Frequently Asked Questions

If your question is not answered here, please call us on +44 (0)20 3195 7481 and one of our advisors will be happy to assist you.

Who can apply?

Most persons living or working outside their country of nationality, who are under the age of 61, can purchase cover. To find out if you are entitled please apply on-line.

Who can I cover under my policy?

You can apply to cover yourself, your partner and your dependant children under the same plan. A dependant child is one that is under 18 years of age or 23 years of age if still in fulltime education.

What is a two-year moratorium?

As we do not medically underwrite, we need to ensure that persons applying for cover are not going to inadvertently affect our existing customers. To do this we simply state that a medical problem suffered in the two years before joining us is not claimable until two years after joining us. This would NOT affect claims for new conditions.

Will I need to take a medical?

No. And nor will you have to complete a medical questionnaire.

Which hospitals can I use?

You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorised beforehand.

How is the excess applied?

If you choose to carry any excess, this is applied per medical condition per policy period. This means that if you claim for the same condition twice in the same policy year, we will only apply the excess once.

Will a claim affect my renewal?

Once you are accepted for cover, you will be able to renew on the prevailing rates, regardless of your claiming history. Expatriate Healthcare reserves the right to introduce a no claims discount for members in the future.

What happens if I fall ill outside my area of cover?

You are covered for up to €50,000 of treatment on each trip outside your area of cover for conditions which you have not previously suffered before travel. Accordingly, if you travel regularly in another Area we would ask you to consider whether you should increase your cover?

What happens if I wish to change my mind and cancel my policy?

So long as you have not made a claim, you can cancel your policy in the first 30 days and receive a full refund of premium.

Are you regulated?

Yes, Expatriate Healthcare is authorised and regulated by the Financial Services Authority. Our FSA Firm Reference Number is 307133.

Strategic Insurance Services Limited are authorised to carry on Regulated Activities in accordance with the permissions granted by the FSA under Part IV of the Financial Services and Markets Act 2000.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/Pages/register/ or by contacting the FSA on +44 (0)845 606 1234.

We believe that all our customers, regardless of where the policy was sold, should be entitled to the same regulatory benefits and protections as those purchasing cover in a FSA regulated territory. Accordingly, wherever possible, we shall extend these benefits to all of our customers.

THESE FAQS ARE INTENDED AS A GUIDE. FOR FULL TERMS AND CONDITIONS OF COVER PLEASE REFER TO THE POLICY WORDING.