The Long-Term International Health Insurance Plan for individuals and families working or living overseas.
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.
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
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
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.
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.
The maximum age limit for new customers is 70 years.
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
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.
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.
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.
1. Properly screened blood provided globally within 12-18 hours
2. Remote GP consultations and second medical opinion service if you're uncertain about your diagnosis or a proposed treatment plan
3. Non-medical evacuation services in the event of life-threatening situations arising from political/civil unrest or natural disaster
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 Walsingham House, 35 Seething Lane, London, EC3N 4AH, 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 Walsingham House, 35 Seething Lane, London, EC3N 4AH, 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 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). For members incepting or renewing from 1st April 2023 your insurance continues to be designed, administered, and distributed by APRIL International Care France but insured by Hamilton Insurance DAC. Hamilton Insurance DAC is regulated by the Central Bank of Ireland. Registered Office: 2 Shelbourne Buildings, Crampton Avenue, Ballsbridge, Dublin 4, D04W3V6, Ireland. Registered in Ireland Number 484148.
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.
