GP & Outpatient Cover for Expats
GP and outpatient care is a vital part of your routine healthcare requirements. At Expatriate Group, we provide flexible and comprehensive cover for your GP and outpatient treatment, ensuring you’re covered for a range of care, from prescription medication to minor surgery.
What is GP Cover?
GP and outpatient cover refers to the healthcare you receive when a hospital stay isn’t needed. It will typically include routine care and treatment for minor injuries or illnesses. This could include consultations with a doctor, prescribed medication, and minor surgery where an overnight stay isn’t required.
What is GP Cover?
Why is private GP insurance important for expats?
In many countries, healthcare costs can be extremely expensive, leaving expats with high costs to pay for even routine care. Private GP insurance with outpatient care for expats means you will be covered for all your healthcare needs.
Private GP health insurance allows expats to access the best possible care in whichever country you’re living in. Often, private healthcare will include GPs who are multilingual, so you’ll be able to find a doctor who speaks your language. Private GP insurance from Expatriate Group means you can always get the treatment you need from the best healthcare professionals, without any extortionate bills to pay.
Why is private GP insurance important for expats?
What GP and outpatient cover do I get?
Expatriate Group provides four different plans, each containing different levels of outpatient care for expats. As standard, our top three plans include cover for family doctor, GP, specialist, and physician consultation fees, as well as outpatient surgeries. All cancer treatment is also covered across all four of our plans.
Prescribed medication and drugs will be fully covered in our Select and Primary+ plans. These plans also include cover for managing chronic conditions, psychiatric care, physiotherapy and alternative medicine sessions, and all required diagnostic tests (including MRI, CAT, and PET).
Our Primary+ Lite plan includes cover for prescribed medication, physiotherapy, and diagnostic tests, with a cap at $/€1,000. Our Primary plan – which is our introductory hospitalisation plan – also includes prescribed medication, diagnostic tests, and physiotherapy associated to any in-patient stay, for pre-hospitalisation and 60 days post-hospitalisation.
What GP and outpatient cover do I get?
Insurance plans
What’s the best international health insurance for professionals?
Expatriate Group is an expert in international healthcare, having provided cover for our customers since 1997. We have four different health insurance plans for professionals, offering a range of features, so you can find the right solution for your specific medical needs.
Select
- Comprehensive plan
- Maternity care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Not covered
Exclusions for expat GP cover
Not all treatment for specific conditions may be included in our GP and outpatient cover, for example, maternity care is only included in our Select plan. Treatment will vary from plan to plan, for example, psychiatric sessions are only included in our Select and Primary+ plans.
You can contact us to discuss your specific requirements and circumstances.
Make a claim
How to claim for expat GP treatment
To recover costs you have already paid for your GP and outpatient care, you can visit expatriate.claims.
If you would like to obtain pre-approval for GP and outpatient costs in excess of $/€/£1,000, you can call +44 20 8181 3818. You should obtain pre-approval as soon as reasonably possible, but at least seven days before your treatment.
To make a claim for your GP and outpatient cover, you will need:
- Proof of ID (passport).
- Proof of your address (utility bill).
- Any supporting medical reports or hospital discharge notices.
- Invoices for any costs incurred.
If you require emergency assistance, you can call +44 (0)20 8181 3818. We can provide you with multilingual support 24 hours a day, 7 days a week, liaising with your doctors and hospitals to ensure you receive the best care.
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.
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| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
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| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
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| Prescribed Medicine and Drugs | |
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| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Oncology/Cancer Treatment | |
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| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£75 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
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| Second Opinion for Surgery | |
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| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
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| Prescribed Medicine and Drugs | |
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Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
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| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
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| Local Ambulance | |
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| Expenses for accompanying Dependent | ||||
| Travel | |
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| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
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| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| Complications of Pregnancy | 100% | $/€/£5,000 | $/€/£5,000 | |
| Normal Delivery | $/€/£7,500* | |||
| Elective Caesarean Operation | $/€/£7,500* | |||
| Non-elective Caesarean Operation | $/€/£7,500* | |||
| Home Delivery | $/€/£7,500* | |||
| Home Nursing following Home Delivery | 5 days* | |||
| New Born Care | $/€/£25,000* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
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| Routine Dental Treatment | $/€/£750 | |||
| Basic Restorative Dental Treatment | $/€/£750 | |||
| Major Restorative Dental Treatment | $/€/£1,000 | |||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Optical Care | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
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| Cervical Smears | |
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| Mammograms | |
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| Prostate Cancer Screening | |
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| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
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