Membership Starting Dates

Start immediately – Memberships bought during business hours (Monday to Friday, 9 am to 5 pm United Kingdom time) will be live within 48 hours from the date of purchase. Weekend applications will be live within 48 hours from the start of the next business day (not including national holidays).

Pre-existing conditions

Definition of pre-existing medical conditions: Any disease, Illness or injury, secondary or associated complaint where You have sought or received advice, Treatment or therapy, been submitted to a special diet or shown symptoms in the two years prior to Your Effective Date (whether the condition has been diagnosed or not)

Worldwide medical cover

Worldwide medical cover is a free benefit that comes with your paid membership

Your worldwide medical cover (excluding US)

underwritten by

Guard Insurance Ltd, which is an AAA rated insurer

Medical Membership Benefits

Excess The medical benefits provided through the membership have no excess.

Hospitals This policy can be used in any hospital.
Ensure the hospital provides the care that you need.

Main Exclusions

Outpatient treatment This policy does not cover outpatient treatment unless related to a valid hospitalisation.

Hospitals This policy does not cover routine or restorative dentistry.

Maternity This policy does not cover the cost of maternity or childbirth.

Main Definitions

Outpatient treatment This policy does not cover outpatient treatment unless related to a valid hospitalisation.

Inpatient treatment Treatment received where You are admitted to a Hospital bed overnight.

Daycare treatment Treatment is received in a Hospital where you are admitted to a Hospital bed, but not overnight.

Pre-existing conditions Any disease, Illness or injury, secondary or associated complaint where You have sought or received advice, Treatment or therapy, been submitted to a special diet or shown symptoms in the two years prior to Your Effective Date (whether the condition has been diagnosed or not)

Claiming

Pay & Claim For claims of less than €1000 you should settle your bill and submit your claims online at www.expatriate.claims

Emergency Assistance For claims in excess of €1,000 or where you require emergency assistance call +44 (0)203 285 7248: 24 hours / 7 days

Hospital benefits

100% Private Hospital Bed

100% Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care.

100% Prescribed Medicine and Drugs

100% Diagnostic Tests and Procedures (including MRI, CAT, PET)

100% Oncology/Cancer Treatment

30 days Psychiatric

30 days Home Nursing (following hospitalisation)

€75 a night Hospital Cash Benefit

€2000 Rehabilitation (following hospitalisation)

100% Parent Accommodation

100% Second Opinion for Surgery

€100,000 Organ Transplant

Income replacement

€25,000 Accidental Death and Permanent Total Disability

Employee assistance programme

6 Sessions Accidental Death and Permanent Total Disability

Benefit schedule

€1,000,000.00 Annual Aggregate Maximum

Outpatients & GP Benefits

Pre-Hospital admission and 60 days following a valid hospitalisation

• Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries
• Prescribed Medicine and Drugs
• Diagnostic Tests and Procedures (including MRI, CAT, PET)
• Physiotherapy & Alternative Medicine

100% Oncology/Cancer Treatment

Not covered Management of Chronic Conditions

Not covered Psychiatric

Assistance Services and Special Benefits

100% Emergency Medical Transportation

100% Local Ambulance

€75 per day

Expenses for accompanying Dependent

• Travel
• Accommodation & Subsidence

€5000 Repatriation of Mortal Remains

100% Compassionate Travel

€250 Family Compassionate Travel

€15000 Terminal & Palliative Care

Not covered HIV, AIDS & ARCS

Assistance Services and Special Benefits

€5000 Complications of Pregnancy

Not covered Normal Delivery

Not covered Elective Caesarean Operation

Not covered Non-elective Caesarean Operation

Not covered Home Delivery

Not covered Home Nursing following Home Delivery

Not covered New born Care

Dental Benefits

100% Accidental Emergency Dental Treatment

Not covered Routine Dental Treatment

Not covered Basic Restorative Dental Treatment

Not covered Major Restorative Dental Treatment

Optical Benefits

Not covered Examinations & Lenses (including contact lenses)

Preventative Benefits

Not covered Medical Check-up

Expat Pay

Expat pay is a free benefit that comes with your paid membership

Expat-pay – for your upfront medical bills

What is it?

It’s a facility that provides a simple way to pay for your upfront medical bills, so you’re not out of pocket

You get a digital card that you can use on your phone.

Apple pay, Google pay and Mastercard

How to use it

1. From our website, click on ’24-hour assist & medical claims’, to contact the Expatriate Group Claims directly by telephone or email.

2. A member of the claims team will discuss, then approve and authorise your card.

3. Your card is credited with the exact authorised amount so you can’t overspend.

What is a trust?

What is a trustee?

Who are the trust members?

What are Free benefits?