Expat health insurance covers your medical treatment during the first 90 days of each trip within the European Union, the Schengen Area, Andorra, Monaco, San Marino, and Vatican City. There’s no limit on the number of trips. Your home country is covered only after 12 months on your policy, even if it’s in the European Union, and then for up to 6 weeks in total per policy year. For any stay beyond these limits, you need a separate travel or local health insurance. Claims for treatment while traveling require proof of your arrival date.
Which countries does Expat health insurance cover when I travel?
Expat health insurance covers your medical treatment when you travel within the European Union, the Schengen Area, Andorra, Monaco, San Marino, and Vatican City. The Schengen Area includes some countries outside the European Union: Iceland, Liechtenstein, Norway, and Switzerland. The United Kingdom isn’t part of the European Union or the Schengen Area, so medical treatment during trips to the United Kingdom isn’t covered.
Your home country follows different rules, even if it’s in the European Union or the Schengen Area. Expat health insurance covers your home country only after you’ve held your policy for 12 months, and only for up to 6 weeks per policy year.
While you’re traveling, Expat health insurance covers the same medical treatment as in the country you are insured in, under the same terms. This means the same limits and exclusions apply, including the exclusion of pre-existing conditions.
How long can a trip be under Expat health insurance?
Expat health insurance covers trips of up to 90 days each within the European Union, the Schengen Area, Andorra, Monaco, San Marino, and Vatican City. There’s no limit on the number of trips you can take per year. Visits to your home country don’t count as these trips. They follow the separate home country rules.
If a trip lasts longer than 90 days, Expat health insurance covers only the first 90 days. Medical treatment from day 91 onward isn’t covered. If you plan to stay longer than 90 days, you need to arrange a separate travel or local health insurance for the remaining days.
Does Expat health insurance cover me when I visit my home country?
Expat health insurance covers your medical treatment during visits to your home country once you’ve held your policy for 12 months. Your home country is the country of your last residence, as you declared it when you signed up. During your first 12 months, medical treatment in your home country isn’t covered, even if your home country is in the European Union or the Schengen Area.
After 12 months, home country coverage lasts up to 6 weeks in total per policy year. A policy year starts on your policy start date, not on January 1. During a home country visit, Expat health insurance covers the same medical treatment as in the country you are insured in, under the same terms.
How are the 6 weeks of home country coverage calculated?
The 6 weeks of home country coverage under Expat health insurance are a total for each policy year. Every visit to your home country counts toward that total. You can’t choose which weeks are covered.
Coverage for each visit starts on the day you arrive in your home country.
The days of all your home country visits in the same policy year add up, up to a maximum of 6 weeks.
A medical event is covered only if it happens before you’ve used up your 6 weeks for that policy year.
A medical event that happens after your 6 weeks are used up isn’t covered, even if you’re still in your home country.
The 6 weeks reset when your next policy year starts.
If you plan to stay in your home country longer than your remaining weeks of coverage, you need to arrange a separate travel or local health insurance for the extra time.
Examples
2 visits to your home country of 3 weeks each: 3 weeks + 3 weeks = 6 weeks. Both visits are fully covered.
1 visit to your home country of 3 weeks and 1 visit of 4 weeks: 3 weeks + 4 weeks = 7 weeks. The first visit and the first 3 weeks of the second visit are covered. The 4th week of the second visit isn’t covered.
What do I need to make a claim for treatment while traveling?
To make a claim under Expat health insurance for medical treatment while traveling, you need to submit all the usual documentation, and also provide proof of your arrival date. This applies both to trips within the European Union, the Schengen Area, Andorra, Monaco, San Marino, and Vatican City, and to visits to your home country. The proof must be a travel document that shows your name and your arrival date, such as:
A flight receipt, ticket, or boarding pass
A train ticket
A bus ticket
We use your arrival date to check that the medical event happened within your coverage period:
For a trip within the European Union, the Schengen Area, Andorra, Monaco, San Marino, or Vatican City, the medical event must happen within the first 90 days of the trip.
For a visit to your home country, the medical event must happen within your remaining 6 weeks of home country coverage for that policy year.
We cover the claim only if the medical event happened within that coverage period, and if it is eligible for coverage under the regular terms and conditions of your policy.