Health Insurance For Expats

Are you looking to move abroad? Non-EU citizens moving to France, Spain, Italy and Portugal  need health care insurance. This guide will discuss the different types of health insurance available for expats and help you choose the right policy for your needs.


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What is an expat?

An expat, also known as expatriate, is anyone who lives outside of their native country. This could be a person travelling and or working in another country of citizenship, for either long term or temporary reasons.

If you are an expat from the UK, you are still considered to be a UK citizenship.

Why do expats get health insurance?

  • To apply for visas
  • To protect themselves from harm
  • To access the best treatment when needed
  • To reduce financial pressure if anything happens
  • To top up business health insurance

Which Expats Need
Health Insurance?

Here are few expats who may need it:
  • Remote workers, also known as digital nomads
  • Professionals living and working abroad
  • Retirees living abroad
  • Government and personal services contractors
  • Families traveling internationally
  • Health care and nonprofit workers
  • Individuals traveling internationally
  • Missionaries


You &

your family

What Do You Need Covered?

Whether you’re looking to live or work in France, Portugal, Spain or Italy, you need the best health insurance. We compare healthcare providers to match non-EU citizens with the right provider. Have a read below and think about what health insurance protection is right for you.

Maternity Care

We know that when you are expecting a baby, you need to feel confident that appropriate care is available.

Once you have been covered by the policy continuously for 12 months, if you become pregnant, you can be covered for your antenatal appointments in the run up to the big day and for the delivery itself. And to get you back on your feet in those early days, you could also get home nursing for 5 days after home delivery.

Complementary Medicine Therapies

Should you be prescribed complementary treatment, you can get cover chiropractic help, osteopathy, homeopathy, and acupuncture.

We know how important complementary medicine and therapies can be, particularly when an illness or injury is ongoing, so your cover could be extended to ensure you are are as comfortable as possible.

Dental Care

Your general health and well-being also extends to your dental health. Good dental health requires regular and routine check-ups and resulting restorative treatment can be costly.

You could be covered for routine check-ups and treatment. Plus, in the event of further treatment being required, both basic and major restorative treatment.

Optical Care

Changes to your eyesight are inevitable. That’s why a policy that covers the cost of an annual eye examination could be helpful.

Where there is a change to your prescription you could be covered for the cost of prescription lenses (including standard contact lenses).

Medical Expenses

Medical expenses are the costs to treat or prevent an injury or disease. When not covered with international healthcare insurance these costs can be extortionate.

To prevent you from these excessive expenses, you may want to check if your policy includes medical expenses. Some plans cover GP services, outpatient and any hospitalisation costs.

Emergency Assistance

In the event of an emergency, your insurance provider could include assistance service and arrangements for you to be transported to the nearest location for appropriate treatment.

24 hour emergency medical assistance is not standard in all healthcare plans, so be sure to check your policy.

Addtional Benefits

Take a look at the options and details, to determine the best medical insurance policy for you and your loved ones. Complete the form and we will review your details and get back to you with the best options and pricing for coverage tailored to your specific needs.

Get a customised health insurance quote for your needs

  • Varying levels of plans and price points
  • Paying monthly or annually
  • Excess that meets your needs
  • Auto renewable for constant protection


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Frequently Asked Questions

What is an expat?

An expat, also known as expatriate, is anyone who lives outside of their native country.

This could be a person travelling and or working in another country of citizenship, for either long term or temporary reasons.

What is travel insurance?

Travel insurance is financial protection against risks and financial losses that incur whilst travelling.

It can cover a range of medical and health issues, depending on the type and level that you purchase.

How much is expat medical insurance?

Insurance prices vary depending on the provider you choose to go with and the type of coverage you’re after. Costs may also vary depending on  your medical history and if you have any current diagnosed conditions.

You’ll need to share all relevant data to receive an accurate quote. Failure to provide accurate data may lead to invalid insurance.

Do I need expat insurance to travel to the EU?

To apply for most extensive visas in Europe, you will need travel insurance.

What is the excess on health or medical insurance?

The excess is the money you pay to claim on the insurance. You can often choose the amount of excess you are willing and able to pay when choosing the insurance product you buy.

If you do not use your insurance then you will not need to pay for the excess. However, if you use your insurance multiple times then you may need to pay the excess multiple times.

Will I need medical or health insurance?

The type of insurance you require depends on the type of visa you are applying for and the level of protection you are investing in.

Whether you are eligible for health or medical insurance will depend on the type of insurance provider you go with.

Some insurance companies tailor specifically to medical conditions such as cancer, whereas other insurance providers may not cover these illnesses.

Can I buy expat health insurance last minute?

Yes, you can buy health insurance just before you leave the country. If you have already moved abroad then you can (and should) still buy insurance to protect yourself.

Should I renew my travel insurance?

Deciding whether to renew your travel insurance depends on your personal circumstance.

However, if you decide to renew insurance, you should compare and check different providers to ensure you get the best price.

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