What is the difference between international health insurance and travel insurance?

International health insurance is designed for expatriates or anyone living, working, or travelling abroad for an extended period. Generally, international health insurance will provide access to leading private medical facilities, with a wide range of comprehensive medical insurance benefits. Whilst most travel insurance policies will provide emergency medical coverage before returning you to your home country, and feature alongside core benefits such as travel delays, cancellations, baggage, and belongings.

Do I need to fill out a medical questionnaire?

New customers under the age of 65 years, will qualify for our Moratorium underwriting term, which does not require a completed medical questionnaire. The Moratorium specifies that any pre-existing medical conditions that have been diagnosed, treated, consulted, or had symptoms in the past 2 years will be excluded from cover.

Am I too old to take out international health cover?

The maximum age limit for new customers is 70 years.

How can I reduce my premium?

There are 7 Voluntary Excess options to choose from to reduce your annual premium. £100 / $200 / €150 5% discount£250 / $500 / €375 10% discount£500 / $1,000 / €750 15% discount£1,000 / $2,000 / €1,500 20% discount£2,500 / $5,000 / €3,750 30% discount£5,000 / $10,000 / €7,500 40% discount£10,000 / $20,000 / €15,000 50% discount

What cover is available outside the chosen zone?

If you choose to be insured on an Area One ‘Worldwide excluding the USA and Caribbean’ basis you will have access to an Out of Area benefit which grants 60 days of cover for acute medical treatment in the USA and Caribbean per policy year. Area Two ‘Worldwide’ coverage is also available.

What are my payment options?

The plan is available in GBP, USD and EURO’s and can be paid on an annual, quarterly, or monthly basis.In some countries an additional Insurance Premium Tax may apply on top of the premium. We will let you know if this applies to you.

Will I have cover for pre-existing medical conditions?

The plan is not intended to provide cover for medical conditions that have been in existence in the two years immediately prior to its start date. Any medical condition that is already in existence will not be eligible for cover, unless you have purchased our benefit add on for Pre-existing Condition Cover.

Comprehensive International health insurance choices made easy

The Long-Term International Health Insurance Plan for individuals and families working or living overseas.

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Are you going abroad long term?

Simple, affordable private health insurance solutions that are designed to meet your global medical needs

Our Long-Term plan ensures you have prompt access to leading private medical treatment throughout the world. From cancer cover to MRI scans and maternity care - our team will take care of you and your family every step of the way. You can choose from a range of options to meet your needs and budget.

Have a question or need more information?

+44 (0) 203 418 0470

Monday to Friday, 9am to 5pm (GMT)

Local phone charges may apply

The benefits you'll have abroad whilst you're with us

1st class service and support whenever you need us
Freedom to choose where to be treated within your area of cover
24/7 multi-lingual assistance in the event of medical emergencies
Multi-currency claims settlement within 5 working days
Access to leading medical facilities throughout the world

What does our cover include?

International
- Overall limit
  
  Overall annual plan limit £1,000,000 / $2,000,000 / €1,500,000
- Inpatient cover
  
  All treatment provided by a physician when admitted to Hospital as a registered inpatient, including surgeon and anaesthetist fees and accommodation charges.
- Post-hospital treatment
  
  Consultations and treatment received within 90 days of inpatient care to restore health and mobility after injury or illness
- Cancer cover
  
  Consultations, diagnostic tests and treatment received that is related to a diagnosis of cancer
- Emergency medical and non-medical evacuation
  
  Costs related to emergency transportation and medical care to transport you to the nearest hospital where appropriate care and facilities are available to treat your medical condition. It also includes the evacuation to a place of safety if your life is in danger as a result of sudden political or civil unrest or in the event of a natural disaster
- Vaccination
  
  Childhood and travel-related vaccinations
- Chronic condition treatment
- Out of area cover
- Outpatient cover
  
  Consultations and treatment provided by a General Practitioner or Specialist, diagnostic tests, prescription medication, physiotherapy and complementary therapies.
- Routine dental treatment
  
  Dental examinations, fillings, diagnostics, operative and gnathological procedures and dentures
- Mental health cover
  
  Treatment and prescription medication provided by a Physician or a Consultant Psychiatrist for psychological and psychiatric disorders.
- Routine health checks
  
  Preventative health checks available after one year of cover
- Maternity care
  
  Teatment relating to pre and post-natal care, the costs of childbirth, medically necessary surgical procedures and treatment of medical conditions arising during the antenatal stages
International Plus
- Overall limit
  
  Overall annual plan limit £1,000,000 / $2,000,000 / €1,500,000
- Inpatient cover
  
  All treatment provided by a physician when admitted to Hospital as a registered inpatient, including surgeon and anaesthetist fees and accommodation charges.
- Post-hospital treatment
  
  Consultations and treatment received within 90 days of inpatient care to restore health and mobility after injury or illness
- Cancer cover
  
  Consultations, diagnostic tests and treatment received that is related to a diagnosis of cancer
- Emergency medical and non-medical evacuation
  
  Costs related to emergency transportation and medical care to transport you to the nearest hospital where appropriate care and facilities are available to treat your medical condition. It also includes the evacuation to a place of safety if your life is in danger as a result of sudden political or civil unrest or in the event of a natural disaster
- Vaccination
  
  Childhood and travel-related vaccinations
- Chronic condition treatment
- Out of area cover ++
- Outpatient cover
  
  Consultations and treatment provided by a General Practitioner or Specialist, diagnostic tests, prescription medication, physiotherapy and complementary therapies.
- Routine dental treatment
  
  Dental examinations, fillings, diagnostics, operative and gnathological procedures and dentures
- Mental health cover
  
  Treatment and prescription medication provided by a Physician or a Consultant Psychiatrist for psychological and psychiatric disorders.
- Routine health checks
  
  Preventative health checks available after one year of cover
- Maternity care
  
  Teatment relating to pre and post-natal care, the costs of childbirth, medically necessary surgical procedures and treatment of medical conditions arising during the antenatal stages
Executive
- Overall limit
  
  Overall annual plan limit £1,000,000 / $2,000,000 / €1,500,000
- Inpatient cover
  
  All treatment provided by a physician when admitted to Hospital as a registered inpatient, including surgeon and anaesthetist fees and accommodation charges.
- Post-hospital treatment
  
  Consultations and treatment received within 90 days of inpatient care to restore health and mobility after injury or illness
- Cancer cover
  
  Consultations, diagnostic tests and treatment received that is related to a diagnosis of cancer
- Emergency medical and non-medical evacuation
  
  Costs related to emergency transportation and medical care to transport you to the nearest hospital where appropriate care and facilities are available to treat your medical condition. It also includes the evacuation to a place of safety if your life is in danger as a result of sudden political or civil unrest or in the event of a natural disaster
- Vaccination
  
  Childhood and travel-related vaccinations
- Chronic condition treatment
- Out of area cover +++
- Outpatient cover
  
  Consultations and treatment provided by a General Practitioner or Specialist, diagnostic tests, prescription medication, physiotherapy and complementary therapies.
- Routine dental treatment ++
  
  Dental examinations, fillings, diagnostics, operative and gnathological procedures and dentures
- Mental health cover
  
  Treatment and prescription medication provided by a Physician or a Consultant Psychiatrist for psychological and psychiatric disorders.
- Routine health checks
  
  Preventative health checks available after one year of cover
- Maternity care
  
  Teatment relating to pre and post-natal care, the costs of childbirth, medically necessary surgical procedures and treatment of medical conditions arising during the antenatal stages
Executive Plus
- Overall limit
  
  Overall annual plan limit £1,000,000 / $2,000,000 / €1,500,000
- Inpatient cover
  
  All treatment provided by a physician when admitted to Hospital as a registered inpatient, including surgeon and anaesthetist fees and accommodation charges.
- Post-hospital treatment
  
  Consultations and treatment received within 90 days of inpatient care to restore health and mobility after injury or illness
- Cancer cover
  
  Consultations, diagnostic tests and treatment received that is related to a diagnosis of cancer
- Emergency medical and non-medical evacuation
  
  Costs related to emergency transportation and medical care to transport you to the nearest hospital where appropriate care and facilities are available to treat your medical condition. It also includes the evacuation to a place of safety if your life is in danger as a result of sudden political or civil unrest or in the event of a natural disaster
- Vaccination
  
  Childhood and travel-related vaccinations
- Chronic condition treatment
- Out of area cover ++++
- Outpatient cover
  
  Consultations and treatment provided by a General Practitioner or Specialist, diagnostic tests, prescription medication, physiotherapy and complementary therapies.
- Routine dental treatment +++
  
  Dental examinations, fillings, diagnostics, operative and gnathological procedures and dentures
- Mental health cover ++
  
  Treatment and prescription medication provided by a Physician or a Consultant Psychiatrist for psychological and psychiatric disorders.
- Routine health checks ++
  
  Preventative health checks available after one year of cover
- Maternity care ++
  
  Teatment relating to pre and post-natal care, the costs of childbirth, medically necessary surgical procedures and treatment of medical conditions arising during the antenatal stages

Become our member in just a few clicks

Step 1

Create your plan

Simply select the health benefits that matter to you
Step 2

Get a quote

Get a price and choose your preferred currency and payment frequency
Step 3

Sign-up online

Review your plan details and complete your online application

The benefits of our Long-Term International Health Insurance Plan

Our Long-Term healthcare insurance solutions are suitable for expatriates of most nationalities as well as many local nationals around the world.

And, if you travel from one country to another, our insurance plan will keep you protected every step of the way with continued access to the same level of care, so long as the country you're moving to is within your chosen area.*

You can also choose to reduce your premium by selecting a voluntary plan excess.

^{*There are some countries where the plan is not available due to local insurance regulations or exchange controls}

Save all useful documents

A few extra things to know about our Long-Term Health Insurance plan

What is the difference between international health insurance and travel insurance?

International health insurance is designed for expatriates or anyone living, working, or travelling abroad for an extended period. Generally, international health insurance will provide access to leading private medical facilities, with a wide range of comprehensive medical insurance benefits. Whilst most travel insurance policies will provide emergency medical coverage before returning you to your home country, and feature alongside core benefits such as travel delays, cancellations, baggage, and belongings.
Do I need to fill out a medical questionnaire?

New customers under the age of 65 years, will qualify for our Moratorium underwriting term, which does not require a completed medical questionnaire. The Moratorium specifies that any pre-existing medical conditions that have been diagnosed, treated, consulted, or had symptoms in the past 2 years will be excluded from cover.
Am I too old to take out international health cover?

The maximum age limit for new customers is 70 years.
How can I reduce my premium?

There are 7 Voluntary Excess options to choose from to reduce your annual premium.
£100 / $200 / €150                              5% discount
£250 / $500 / €375                             10% discount
£500 / $1,000 / €750                          15% discount
£1,000 / $2,000 / €1,500                    20% discount
£2,500 / $5,000 / €3,750                    30% discount
£5,000 / $10,000 / €7,500                 40% discount
£10,000 / $20,000 / €15,000            50% discount
What cover is available outside the chosen zone?

If you choose to be insured on an Area One ‘Worldwide excluding the USA and Caribbean’ basis you will have access to an Out of Area benefit which grants 60 days of cover for acute medical treatment in the USA and Caribbean per policy year. Area Two ‘Worldwide’ coverage is also available.
What are my payment options?

The plan is available in GBP, USD and EURO’s and can be paid on an annual, quarterly, or monthly basis.
In some countries an additional Insurance Premium Tax may apply on top of the premium. We will let you know if this applies to you.
Will I have cover for pre-existing medical conditions?

The plan is not intended to provide cover for medical conditions that have been in existence in the two years immediately prior to its start date.
Any medical condition that is already in existence will not be eligible for cover, unless you have purchased our benefit add on for Pre-existing Condition Cover.

Tips and Information

What our customers say

4.5 / 5

I strongly recommend APRIL International. Overall I think APRIL is an honest, efficient, no-surprises insurer with excellent service. I think APRIL is a great option, especially for expats.

2/22/2023

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We have had the privilege of being part of APRIL International for over 18 months now. The team promptly communicates and renders a superb service.

2/11/2023

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APRIL International provided a good service. Great Easy Claim app for users. Very quick feedback & efficient.

2/3/2023

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Long-term international health insurance plan is designed & managed by APRIL International UK, a British company registered in London (under number 7261287) and with the Financial Conduct Authority (under number 574454) whose headquarters are located at Minster House, 42 Mincing Lane, London, EC3R 7AE, United Kingdom.

1. If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited.

APRIL International UK, a British company registered in London (under number 7261287) and with the Financial Conduct Authority (under number 574454) whose headquarters are located at Minster House, 42 Mincing Lane, London, EC3R 7AE, United Kingdom.

AXA XL Insurance Company UK Limited (Firm Reference No 423308) and AXA XL Underwriting Agencies Limited (Firm Reference Number 204848) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: 20 Gracechurch Street, London, EC3V 0BG, United Kingdom (under numbers 05328622 and 01815126).

2. If your insurance is contracted from within the EU/EEA the product is designed, administered and distributed by APRIL International Care Europe a trading name of APRIL International Care France and insured by XL Insurance Company SE. XL Insurance Company SE is regulated by the Central Bank of Ireland. Registered Office: 8 St. Stephen’s Green, Dublin 2 D02 VK30, Ireland (under number 641686).

APRIL International Care France a French company registered in Paris (under number 309 707 727) and with ORIAS (under number 07 008 000) whose headquarters are located at 14 rue Gerty Archimède - 75012 PARIS France

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