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Long term expat health insurance policy - what's covered?
Long term expat health insurance policy - what's covered?
Dajana avatar
Written by Dajana
Updated today

Below we provide a coverage overview for our long term expat health insurance policies.

In general, all of the plans will cover medical care for new conditions, accidents and injuries that first commence after your coverage commences. There is also the option to choose a plan with additional medical and non-medical extras to best suit you.

Please note: The coverage listed does not apply to pre-existing issues unless it is specifically stated in the policy terms.

COVERAGE

Basic

Advanced

Overall limit

€1,500,000

€1,500,000

INPATIENT SERVICES

Inpatient hospital service
- Accommodation
- Meals
- Medical treatment

Inpatient psychiatric treatment


Max 30 days


Max 30 days

Reconstructive surgery

Rehabilitation

€150,000 lifetime limit

€150,000 lifetime limit

Accident and emergency room treatment

Internal Prostheses, Medical Aids and Devices

Hospice/palliative care


Max 15 days


Max 15 days

Ambulance services

OUTPATIENT TREATMENT BENEFITS

Basic

Advanced

MRI, CT and PET Scans


€30 excess per claim


€30 excess per claim

General Physician fees


€30 excess per claim


€30 excess per claim

Specialist and Consultant fees


€30 excess per claim


€30 excess per claim

Prescription Drugs and Dressings


€30 excess per claim


€30 excess per claim

X-Rays, diagnostic and pathology tests


€30 excess per claim


€30 excess per claim

Physiotherapy
Up to 20 sessions when referred by a Physician


€30 excess per claim


€30 excess per claim

Complementary Therapies
Osteopathy, Chiropractic, Homeopathy and Acupuncture when referred by a Physician


€30 excess per claim


€30 excess per claim

DENTAL CARE BENEFITS

Basic

Advanced

Dental Treatment following an Accident

Dental Treatment
Available after 6 months of cover

€750

€1,125

WELL BEING BENEFITS

Basic

Advanced

Routine Health Screening
Preventative health checks available after 1 year of cover

€450

€750

Vaccinations
For children or for travel purposes

€300

€300

CANCER TREATMENT

Basic

Advanced

Oncology, Chemotherapy and Radiotherapy*

Cancer counselling
Following a cancer diagnosis with a registered psychologist/counsellor

€1,500

€1,500

Artificial Hair Benefit

€1,500

€1,500

EMERGENCY MEDICAL EVACUATION/REPATRIATION

Basic

Advanced

Emergency Medical Evacuation*
Evacuation costs for acute medical conditions where local medical facilities are inadequate

Emergency Medical Evacuation – Supplementary Expenses*
Cost of travel to place of origin
Hotel accommodation costs for companion Taxi costs for companion
Accommodation costs following Inpatient Care

Economy air ticket Up to 12 nights Up to £500/$1,000/€750 Up to 7 nights

Economy air ticket Up to 12 nights Up to £500/$1,000/€750 Up to 7 nights

Compassionate Home Travel*
In the event of the death of a close family member, available after 1 year of cover

1 return economy air ticket

1 return economy air ticket

Repatriation or Local Burial*
Where death occurs outside the Home Country

€11,250

15,000

TELEHEALTH

Basic

Advanced

Teleconsultation
Access to licensed doctors around the world via phone for non-emergency conditions


Additional full Refund up to €150 for prescription drugs following consultation


Additional full Refund up to €150 for prescription drugs following consultation

MENTAL HEALTH BENEFITS

Basic

Advanced

Outpatient Psychiatric Services
General Physician and Consultant fees > Prescription Drugs


€30 excess per claim


€30 excess per claim

Outpatient Psychiatric Therapies
Counselling, Cognitive Behavioural Therapy and Psychotherapy

€1,500

€3,000

MATERNITY CARE BENEFITS

Basic

Advanced

Normal Pregnancy and Childbirth
Available after 18 months of cover

€9,000

Complicated Pregnancy and Childbirth
Available after 18 months of cover

€18,000

Complications of Pregnancy
Available after 18 months of cover

ADDITIONAL BENEFITS

Basic

Advanced

HIV/AIDS
After 2 years on the plan

€15,000

€15,000

Out of Area Cover
For emergencies and acute episodes of existing covered medical conditions

€45,000
Max 60 days

€60,000
Max 60 days

You can obtain a quote and sign up to our long term expat health insurance here.

If you have any further questions, please don't hesitate to reach out to us via our support page.

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