Expat Insurance

Our Expat Insurance is the complete insurance package that covers your every possible need as an expat abroad. It’s the only health insurance in the world that is portable AND adaptable to more than 15 different social securities! Flexible and fully comprehensive, for expats and employers.

Expat Insurance

Our Expat Insurance is the complete insurance package that covers your every possible need as an expat abroad. It’s the only health insurance in the world that is portable AND adaptable to more than 15 different social securities! Flexible and fully comprehensive, for expats and employers.

Create your own personal policy

with absolute essential covers such as medical care, assistance, personal protection (accident and critical illness), income protection, term life insurance, household goods and baggage, and personal non-contractual liability.

Portable and adaptable

Thanks to our time and money-saving Chameleon Principle, you get a smart plan that adapts to every country you move to. Full coverage or topping up local social security, without paying double. Or put your policy in Sleeper mode when receiving an employers’ policy.
 All this without new medical underwriting.

For all forms of working abroad

Expatriation, posting, cross-border working, salary-split. We always have the correct solution, without paying double.

For everyone with a link to Europe

Are you a European national? Do you live as a non-European in Europe? Do you work for a European company in- or outside of Europe? Then this plan is suited for you.

Single point of contact

for different social security and health care systems. No matter where you are, we will ensure you receive the best treatment and are on hand to offer you local advice and support.

24/7

Our multilingual alarm centre is available 24 hours a day, 7 days a week. Whether it's a medical emergency or a problem with your home, our representatives are on hand to offer all the support you need.

Module 1: Medical Treatment Costs

This part of Expat Insurance covers you for any medical expenses you might have, such as:

  • hospitalization costs;
  • ambulatory treatment in case of accident or illness
  • medicines
  • dental care
  • vaccinations

and more...

Module 2: Assistance Abroad

This module also forms part of your Core plan and offers support worldwide in case of:

  • referral service for doctors/hospitals
  • linguistic assistance in case of a claim
  • medical repatriation/ evacuation, or repatriation of mortal remains
  • repatriation in case of natural disaster or political instability
  • early return in case of death of a familiy member or major damage to your house

 

and more...

Module 3: Personal Protection

Optional Module 3 is fully flexible and can be tailored to suit your personal requirements. It is designed to pay out a lump sum in case of a covered incident such as:

  • death by accident
  • permanent or temporary disability
  • critical and incurable illness

 

Module 4: Income Protection

Module 4 is optional and is available for all working persons, as well as temporarily non-working persons, who gave up their own career to follow their partner abroad. It is designed to guarantee your income in case you are temporarily or permanently unable to work due to:

  • either economic or physical disability following a private or occupational accident, illness or a complicated pregnacy. In case of (temporary or permanent) disability, this guarantee pays the insured pension according to the degree of disability of the insured person.
Module 5: Personal belongings on the move

This optional Module is designed to protect your most important and valuable objects, whether at home or during your travels for business or pleasure.

Module 5 covers:

  • home contents and household furniture for fire, explosion, lightning strikes, natural disasters, storms, flooding by burst pipes or water tanks, damages by riots, strikes, malintent, burglary, robbery and even the breaking of glass plates and mirrors;
  • baggage;
  • all risk personal valuables worldwide.
Module 6: Personal Liability

Our Liability Coverage is the final optional Module that you may wish to consider as part of your Expat insurance policy. It is designed to cover accidents you may have in your private life that cause damage or harm to a third party or their property. It also guarantees legal assistance against the third party if you are hurt or if your property is damaged.

Need more information?
Download the brochure, or contact us.

Get your smart insurance.

Request a quote