Expatriate health cover for individuals and families

Start with our Core Cover

Worldwide Medical Insurance

When you require treatment while staying in hospital, either overnight or as a day-case

• Covers essential hospital treatment, emergency or planned visit.
• All surgery, cancer treatment and advanced imaging, whether received while staying in hospital or as a visiting patient, are also included.
• Includes cancer treatment in full and transplant services (including donor expenses for organ harvesting).
• You can choose this cover on its own, or together with any combination of options as below.
• You can claim up to AUD$2,400,000 annually.

Add any/all of these 4 options

Worldwide Medical Plus

For specialist treatment where you don’t need to stay in hospital

• Covers you for consultations with a doctor or specialist and medical treatments that do not require a hospital stay. E.g osteopathy or physiotherapy.
• Includes cover for young child care, maternity care, complementary therapies and speech therapy.
• You can claim up to AUD$40,000 annually.

Worldwide Medicines and Equipment

For prescribed medicines and medical equipment

• Covers you for prescription medicines and the rental of medical appliances, such as oxygen supplies or wheelchairs, for after you leave the hospital or clinic.
• You can claim up to AUD$2,500 annually.

Worldwide Wellbeing

For a range of health screenings, vaccinations, dental and optical treatment

• Designed to help you stay healthy.
• Covers medical screenings that can provide valuable early detection of conditions such as cancer.
• Covers dental and optical treatments, which can play an important role in keeping you healthy.
• Covers you for vaccinations, eye tests and preventive dental care.
• You can claim up to AUD$8,000 annually.

Worldwide Evacuation

For when you can’t get the treatment you need in a local hospital

• Covers you for reasonable transport costs to the nearest suitable medical centre, ensuring you get the treatment you need.
• Repatriation gives you the added option of returning to your home country or specified country of nationality, to be treated in more familiar surroundings.
• Covers for transfer of minor children, so that they can be taken to a place where a guardian/relative can care for them until their parent has recuperated.
• Covers for compassionate visits, enabling a relative to visit you if you have a sudden accident or illness and are going to be hospitalised for at least five days or you have received a short-term prognosis. Your relative will also receive a cash sum to help cover living costs during their stay.
• There’s no annual limit on Worldwide Evacuation.

Add USA Cover, if you need it

USA Cover

If you spend most of your time in the USA, then you’ll need to buy USA Cover on an annual basis. However, if you spend most of your time outside the USA, you can choose to add USA Cover to your plan, enabling you to access medical treatment in the USA.

• If you choose to include cover for the USA, we have special arrangements in place if you need to be hospitalised while you are there.
• Includes access to a select network of quality hospitals and other medical treatment providers with direct settlement of all covered expenses when you receive treatment there.
• If your plan includes cover for pre-existing conditions, this cover does not apply in the USA.

Add Cover for Pre- existing conditions

Pre-existing Condition Cover

If you have a pre-existing medical condition, this option could provide you with the reassurance you need.

• While previously your health insurance may have excluded cover for any existing conditions you or a family member may have, you have the opportunity to apply for cover for them as part of this plan.

Add a Deductibles option

Deductibles

You will need to choose from 1-6 levels of deductibles.

• A deductible is the amount you must pay towards covered expenses before we will start paying for your treatment.
• You can choose from a range of different deductibles, allowing you to manage the cost of your plan.
• Once your deductible has been reached, all covered expenses will be paid in line with your benefit limits.