Do I need visa insurance?
In many countries, you will be entitled to access public healthcare only once you have successfully applied for your residency. The amount of time it takes to process can vary from country to country, but often it can take weeks or even years. Expats will typically need a temporary residents visa during this time, which will not qualify them to access public healthcare. In the interim, you will be expected to prove that you have the means to cover the cost of expensive healthcare costs.
Expat Visa PLUS insurance plan keeps you protected by ensuring you’re covered for any sudden and emergency healthcare costs that occur whilst you’re waiting for your residency or in support of your visa application or work permit. With Expat Visa PLUS protection, you can avoid facing high costs for healthcare, and you can rest assured that you’ll always be able to get the treatment you need.
Do I need visa insurance?
Why choose Expatriate Group for your visa insurance?
Expatriate Group is an expert in healthcare for expats living and working abroad. We know how important it is for you to be able to access the healthcare you need, and we understand that often medical needs can occur suddenly. That’s why we designed our Expat Visa PLUS plan, to ensure you’re always protected for sudden and unforeseen costs.
With Expatriate Group, you’ll have access to a 24/7 helpline, open 365 days a week, so you’ll always be able to speak to a member of the team, whenever you need to. You can contact us via phone, email, or our online chat service, whichever you prefer. Our friendly and knowledgeable team will be on hand to provide guidance and assistance for your healthcare needs.
Some international health insurance providers operate a network of hospitals, meaning you’ll only be covered if you go to specific facilities – but we don’t. Expatriate Group knows that in an emergency situation, your health is paramount, so you’ll be able to choose a hospital that’s most convenient for you and that with which you are most comfortable.
Why choose Expatriate Group for your visa insurance?
Benefits of visa insurance for expats
Our expat visa insurance is designed to keep you covered for emergency treatment while you wait for your visa to be processed. It covers 100% of the costs associated with requirements such as air ambulance, reparation for medical treatment, treatment from physicians, nurses and specialists, surgery, and hospitalisation, with a €35,000 annual maximum aggregate benefit. It also includes prescribed medicines and care management.
Our visa insurance also provides cover up to €150 for emergency dental treatment, to ensure immediate relief of any pain. Plus, you’ll be covered up to €250 for required physiotherapy and/or chiropractic treatment.
Benefits of visa insurance for expats
Exclusions to visa insurance
The full list of exclusions can be found in the Expat Visa PLUS Visa Insurance Policy. It should be noted that our visa insurance is only intended to cover you for emergency treatment that’s required while you wait for your residency. It will not cover non-emergency treatment, extended treatment, or treatment that can wait until you return to your country of residence.
For full international Private Medical Insurance cover, please refer to our Expatriate Healthcare policies for complete peace or mind.
Any medical claim that is likely to exceed €1,000 will need to be pre-authorised by us by contacting contact Expat Assist on +44 (0)20 8181 3818 (24 hours a day / 7 days a week).
Exclusions to visa insurance
The Expat Visa PLUS insurance
The Benefit Schedule
Below is a summary of what is included with our expat visa insurance. Amounts shown are the maximum per policy, except where otherwise stated. For more information get in touch with Expatriate Group today.
| Annual maximum aggregate benefit (€35,000) | |||
|---|---|---|---|
| Air Ambulance | 100% | ||
| Accompaniment | €100 per day up to €500 | ||
| Repatriation for Medical Treatment | 100% | ||
| Care Management | 100% | ||
| Acute/emergency Sickness and Injury | 100% | ||
| Treatment by authorised physicians, nurses and specialists | 100% | ||
| Hospitalisation (semi-private rooms) | 100% | ||
| Surgery, anesthesiologist | 100% | ||
| Prescribed medicines, dressings | 100% | ||
| Local transport to and from the place of treatment | 100% | ||
| Treatment by physiotherapists and chiropractors | €250 | ||
| Medically Necessary required durable medical equipment | 100% | ||
| Emergency dental treatment for immediate relief of pain | €150 | ||
| Repatriation of Mortal Remains | 100% | ||
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Visa Insurance FAQs
Who is eligible for cover
When does cover stop
Cover can be renewed for a period of up to two years. Or when residency has been approved, whichever is the sooner.
Who is the insurer
Expat Visa PLUS plan is underwritten by HDI Global Specialty SE, a specialty lines insurer. It is owned by HDI Global SE, part of the Talanx Group. HDI Global have operations in 9 locations and access to a global network of more than 175 countries through the HDI Global SE network. HDI Global Specialty also enjoys the same financial strength as HDI Global SE. S&P: A+ (Outlook Stable). A.M. Best: A+ (Outlook Stable).
Pre-existing
If I need to be repatriated, which country will I be taken to
We will always endeavour to treat you in the country in which you are residing for short-term conditions. However, in the event of high cost and/or long term treatment we will repatriate you to your original country of residence. If you require long term international private medical insurance cover please see our Expatriate Healthcare suite of products.
