
Many expats assume they have adequate health insurance, when that may not be the case. Normal health insurance usually only provides cover in a single country. So, there are likely to be costly complexities should you or your family require medical attention abroad. In addition, while you may receive health insurance as a part of your employee benefits package, there are likely to be treatment caps. Furthermore, should you move job, your previous policy terminates with your role, making you financially vulnerable if there is a gap between employers. As such, international health insurance is recommended to ensure you and your family have access quality medical services wherever you are.
However, identifying the right policy amidst a landscape of varying terms, providers, and coverage options can be complex.
We specialise in sourcing and arranging comprehensive international health insurance policies.
We source policies;
We secure policies tailored to fit your personal and budgetary requirements.
We source health insurance that moves with you across countries without requiring a new policy per country.
We source policies that plug the common coverage gaps including specialist healthcare, mental health support and maternity care.
We can source health cover that includes emergency evacuation, including medically assisted transportation and any associated travel and accommodation costs for you and your family.
We make sure your policy offers global coverage and is easy to claim no matter where you are in the world.
We are a wholly independent and privately owned company, free from external constraints. This allows us to explore the market comprehensively, identifying suitable policies well-matched to your circumstances.

Travel insurance generally only covers emergency medical procedures and travel disruptions over a the period of the policy. Whereas international health insurance provides long-term and more comprehensive medical coverage; including check-ups and non-emergency treatments.
Exclusions vary between insurers and policies, but common exclusions include elective or cosmetic procedures, experimental or unproven treatments, and injuries sustained during high-risk or hazardous activities. Some policies may also exclude treatment related to alcohol or substance misuse, self-inflicted conditions, or medical care sought in countries subject to international sanctions. Routine dental and optical care are frequently excluded unless specifically added to your plan.
It is important to review the terms of any policy carefully before committing. We will make sure you understand what is and isn't covered before arranging a policy.
When you seek out an international health insurance policy, an insurer will review your medical history, including any pre-existing conditions. Depending on your specific circumstances, they may then either approve the application as is or they may choose to add clauses to limit or exclude your pre-exiting condition or include additional premiums. In some instances, they may also decide to deny your policy.
We can help source an international health insurance policy that includes maternity coverage. However, insurers may add clauses granting coverage only after a certain amount of time has elapsed. If you are already pregnant and seeking coverage, then it is unlikely you will be approved as pregnancy is considered a ‘pre-existing condition’ by insurers.
If you move to a different country, you will need to inform the insurer. It may be possible for you to continue with your existing plan as is.
Your premium is calculated in consideration of the plan you are choosing, your age, your medical history and where you live.
Most international health insurance policies allow you to add a spouse, partner, and dependent children to your plan. Each family member will typically be assessed individually, meaning their age, medical history, and location will be factored into the overall premium. Adding family members at the outset of a policy is usually more straightforward than adding them later, so it is worth considering your family's coverage requirements from the start.
This will depend on your specific policy and insurer. Some international health insurance policies include coverage in your home country, while others may limit or exclude it. If you are planning to return home, whether permanently or for an extended period, it is important to review your policy terms in advance and notify your insurer. We can help you assess whether your existing coverage remains suitable or whether a different arrangement may better serve your needs.