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Expatriate Healthcare

Q: What's the cheapest Expatriate Healthcare plan?

Primary is the entry point — inpatient-focused, covering hospitalisation and evacuation at a lower premium with routine outpatient kept minimal. Primary+ Lite, Primary+ and Select step up cover and price.

A value-focused international health insurer — strong on the essentials and evacuation, with a tiered range that starts lean. Here's how the plans work and who they suit.

Last updated: 25 June 2026 · Reviewed by IPMIcompare

PlansPrimary · Primary+ Lite · Primary+ · Select

Underwritten byGen Re / Guardrisk

UnderwritingMoratorium — no medical questions to apply

CurrenciesUSD · EUR · GBP

EvacuationIncluded on all four plans (full refund)

Pre-authorisationPlanned inpatient — at least 7 days ahead

Best forKeeping the premium down without losing the essentials

On this page

Plans & cover levels
What's covered
Underwriting
Claims & pre-auth
Who it suits
FAQ

Expatriate Healthcare is built for people who want solid international cover without the top-tier price tag. The range runs from an inpatient-focused entry plan up to a comprehensive option, so you can match the cover (and the premium) to what you actually need. Cover is underwritten by Gen Re / Guardrisk, and plans are available in three currencies.

Plans & cover levels

Four plans, stepping up from lean to comprehensive:

Plan	Position
Primary	Inpatient-focused — the budget entry point
Primary+ Lite	Adds capped outpatient cover
Primary+	Comprehensive with full outpatient
Select	The most comprehensive tier

All plans are available in USD, EUR or GBP, with benefit limits in the matching currency. Exact limits and your area of cover are confirmed at quote.

What's covered

Hospital & surgery (all plans): private room, surgeons, anaesthetists, theatre, specialist and nursing fees, and intensive care — at full refund.
Outpatient: full outpatient (GP, specialist, diagnostics incl. MRI/CT/PET, oncology, physiotherapy) on Select and Primary+; capped on Primary+ Lite; Primary is inpatient-led.
Evacuation (all plans): emergency medical transport and local ambulance at full refund, with companion travel and accommodation benefits.
Other: accidental emergency dental on all plans; organ-transplant cover (limit scales by plan); HIV/AIDS cover on Select, Primary+ and Primary+ Lite.

The value angle: the inpatient-focused Primary plan protects you against the big, expensive events for a lower premium — a sensible choice if you mainly want to cover hospitalisation and evacuation rather than routine GP visits.

Underwriting & pre-existing conditions

Expatriate Healthcare uses Moratorium underwriting, which keeps the application simple — there are no medical questions when you apply. The trade-off is how pre-existing conditions are handled:

Any condition you had, or were treated or advised on, in the two years before joining is automatically excluded at the start.
Each of those conditions then becomes covered once you've gone two continuous years treatment- and symptom-free for it after joining.
Genuinely new conditions that arise after you join are covered immediately, from day one.

It's a clean, low-friction way to get covered if your recent health has been stable. New to how underwriting works? Our guide to underwriting and pre-existing conditions compares Moratorium with the alternatives in plain English.

Claims & pre-authorisation

Planned inpatient treatment should be pre-approved as soon as reasonably possible, and at least 7 days before non-emergency admission.
Emergencies and evacuation are covered on every plan — emergency transport moves you to the nearest appropriate facility, with accompanying-family travel benefits.
Plans are serviced in your chosen currency (USD, EUR or GBP), which avoids exchange friction on claims.

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Who Expatriate Healthcare suits

A strong fit if you're price-conscious and want dependable cover for the things that really matter — hospital treatment and emergency evacuation — without paying for a top-tier comprehensive plan. The currency choice (USD/EUR/GBP) is handy if you're paid or billed in one of those.

Worth comparing if you want extensive routine outpatient, dental and maternity as standard, or the very highest benefit limits — a comprehensive plan from another insurer may serve you better. Comparing the market shows it side by side on price and cover.

Frequently asked questions

Who underwrites Expatriate Healthcare?

Cover is underwritten by Gen Re / Guardrisk. Expatriate Healthcare distributes and administers the plans.

What's the cheapest Expatriate Healthcare plan?

Primary is the entry point — it's inpatient-focused, so it covers hospitalisation and evacuation at a lower premium, with routine outpatient kept minimal. Primary+ Lite, Primary+ and Select step up the cover (and price) from there.

Is medical evacuation included?

Yes — emergency medical transportation and local ambulance are included on all four plans at full refund, along with companion travel and accommodation benefits.

Do I need a medical exam to apply?

No — Expatriate Healthcare uses Moratorium underwriting, so there are no medical questions when you apply. Conditions from the two years before joining are excluded at the start and can become covered after two continuous treatment-free years, while genuinely new conditions are covered from day one.

Which currencies can I be covered in?

USD, EUR or GBP, with all benefit limits expressed in the currency you choose — useful if you're paid or billed in one of them.

General information, not personal or medical advice, based on Expatriate Healthcare plan documentation — exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. Expatriate Healthcare and related names/logos are the property of their respective owners.