Expatriate Insurance
Our expatriate insurance solutions are aimed at all people living outside their country of origin. We provide you with comprehensive insurance for expatriates.
Medical insurance, death insurance, repatriation assistance, civil liability.
Please note, the above button opens a form (in French) in a new window. For Google help in translating websites, click here.
Need international health cover fast?
Travelling or already living abroad and need international health cover with an instant quote and online subscription? We recommend Mondassur, a trusted specialist in expatriate health insurance, covering clients in over 190 countries.
Get Your Instant Quote
Expat Insurance: Comprehensive Health Coverage Wherever Life Takes You
Moving abroad is an exciting adventure, but it also comes with important responsibilities - especially when it comes to your healthcare. Whether you are relocating for work, retirement, studies, or a new lifestyle, having the right expatriate insurance ensures you can access quality medical care wherever you are in the world.
At Exclusive Healthcare, we specialise in helping expatriates, international professionals, entrepreneurs, retirees, and families find reliable health insurance solutions that provide peace of mind before, during, and after their move abroad.
What Is Expat Insurance?
Expat insurance is a private international health insurance plan designed for people living or working outside their country of origin. Unlike travel insurance, which is intended for short trips, expatriate insurance provides long-term medical coverage and follows you throughout your stay abroad.
Depending on your chosen plan, your policy can cover healthcare in your country of residence, your home country, or even worldwide. Whether you are moving to France, Europe, Asia, the Middle East, Africa, or North America, expatriate insurance helps you access high-quality healthcare without worrying about unexpected medical expenses.Why Do You Need Expat Insurance?
Healthcare systems vary greatly from one country to another. In many destinations, medical treatment can be extremely expensive, particularly if you require hospitalisation, surgery, or emergency care. Expat insurance protects you against these costs while giving you access to a broad network of healthcare providers. It can also simplify administrative procedures, allowing direct payment to hospitals in many cases and reducing the financial burden when receiving treatment abroad. Most importantly, it provides reassurance for both you and your family, knowing that quality healthcare is always available when you need it.
What Does Expat Insurance Cover?
Coverage depends on the insurer and the level of protection selected, but most international health insurance plans include:
- Inpatient and outpatient medical care
- Hospitalisation and surgery
- Emergency medical treatment
- Specialist consultations
- Diagnostic tests and medical imaging
- Prescription medications
- Cancer treatments
- Maternity care (optional on many plans)
- Mental health support
- Physiotherapy and rehabilitation
- Preventive healthcare
- Vaccinations
- Medical evacuation and repatriation
- Worldwide emergency assistance available 24/7
Optional benefits may also include dental care, optical treatment, wellness programmes, and coverage in the United States.
Who Is Expat Insurance For?
Our expatriate insurance solutions are suitable for:
- Employees on international assignments
- Entrepreneurs and business owners
- Freelancers and digital nomads
- Retirees living abroad
- Students studying overseas
- Families relocating internationally
- Individuals awaiting access to a local healthcare system
No matter your destination, we help you find a policy that matches your healthcare needs, your budget, and your long-term plans.
Can My Family Be Covered?
Yes. Most expatriate insurance plans allow you to include your spouse, partner, and children under the same policy. Family coverage provides a convenient way to ensure everyone benefits from comprehensive healthcare protection, wherever you live. Our advisors will help you compare family plans and identify the most cost-effective solution.
What Is the Difference Between Expat Insurance and Travel Insurance?
Many people confuse these two types of insurance, but they serve very different purposes. Travel insurance is designed for short-term trips and mainly covers unexpected emergencies during a holiday or business trip. Expat insurance is intended for people living abroad for several months or years. It provides ongoing healthcare coverage, including routine medical care, specialist consultations, long-term treatments, and preventive services. If you are relocating overseas, expatriate insurance is usually the most appropriate solution.
Why Choose Exclusive Healthcare?
Choosing international health insurance can be complex due to the wide range of providers, coverage options, exclusions, and pricing structures. At Exclusive Healthcare, we work with trusted international insurance companies to help you compare policies and select the solution that best fits your needs.
Our clients benefit from:
- Personalised advice from experienced specialists
- Access to leading international insurers
- Tailor-made insurance solutions
- Competitive premiums
- Fast quotation process
- Ongoing customer support in English and French
We take the time to understand your situation so that you receive coverage adapted to your destination, lifestyle, and future plans.
Frequently Asked Questions
Is expatriate insurance mandatory?
Requirements vary depending on your destination country. Even where it is not legally required, having comprehensive medical insurance is strongly recommended.
Can I keep my coverage if I move to another country?
Many international health insurance plans offer worldwide coverage, allowing you to remain insured even if you relocate again.
Does expatriate insurance cover pre-existing medical conditions?
Some insurers may provide coverage for pre-existing conditions, while others may apply exclusions or waiting periods. Our advisors will help you identify the most suitable option.
Can I choose my own doctors and hospitals?
Yes. Most plans allow you to visit the healthcare providers of your choice, either within a preferred network or through reimbursement after treatment.
How quickly can my policy start?
Depending on the insurer, coverage can often begin within a few days after your application has been accepted.
Get Expert Advice Before You Move Abroad
Every expatriate has unique healthcare needs. Whether you are relocating alone, with your family, or for business, Exclusive Healthcare will help you compare the best international insurance solutions available.
Contact our team today for a personalised quotation and enjoy reliable health coverage wherever your next destination may be.
