Individuals

The relationships that we have developed with major international health insurance companies allow us to offer reduced rates to our clients, in comparison to dealing directly with the insurer.

Our advisors can provide detailed quotes for expatriates worldwide. In order to receive a comprehensive medical insurance quote please contact our consultants.

We can advise the expatriate individual on health insurance policies that are extremely flexible; plans can be tailored to include chronic conditions, travel, maternity, dental and numerous other conditions. The policies can be customized to select only inpatient and no outpatient cover, this allows the individual to pay a lower premium but still be covered in emergencies for hospitalization and surgery costs. We can also include a deductible (excess) to keep your premiums low.

The international health insurance plans can be provided for individuals or families. A special feature of the policy is that the plans are guaranteed renewable meaning that your medical costs will be covered by the insurer for your whole life. Your premiums will typically change as your age increases but will only rise with the average. Regardless of how many claims or large claims being made in the previous year your premium will stay the same. Individual premiums are not dependant on nationality or occupation and are instead based on your country of residence and your age.

If you return to your home country or relocate to another country you can normally take your plan with you and the coverage will stay the same.

Our consultants can advise you of the most appropriate policy for you if you are suffering from a pre-existing condition. Please contact our advisors for assistance and a quote.