Join the Expat Health Club and enjoy complimentary medical coverage and more – all for a membership fee of EU 4,300 / annum.
About Us
In December 2011, the concept of the Expat Health Club was launched.
Expats living across the world were disgruntled and concerned with the complexity and costs associated with buying medical cover – read below (or contact us!) to learn more how we simplified the process and why.
Meet The Guys Behind The Concept
The guys who kicked this all off.
Rory Blair
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Robert Soden
Welcome Address by the Chairman Rory
We Established The First Trust Based Membership For Expats And The First Viable Alternative To The Existing Retail Insurance Market.
Why Did We Feel It Was Necessary To Offer An Alternative To Private Medical Insurance?
We wanted to provide benefits that we felt were necessary to the individuals and families who were working and living overseas – and most importantly – at a price that is affordable.
1.) Have You Purchased Private Medical Cover From An Insurance Company In The Past?
Did you find the process easy and did you fully understand what you were covered for?
With the Expat Health Club Membership it is One price only: EU4,300 per annum. That’s it – no hidden extras and no nasty surprises. We have simplified the process!
2.) We provide benefits that expats actually need.
In the event that any of our members have an Accident, Injury or Illness, your
Expat Health Club Membership will cover you.
3.) The Benefits We Do Not Provide
We decided to cover only impatient costs. Why? Because these are the costs that people generally can afford if something goes wrong.
But can you afford high costs should you have the following examples below?
a) $50,000 for a heart stent.
b) $25-35,000 for replacement hip or knee.
c)$70,000 for 7 nights in intensive care.
Outpatient benefits such as opticians or initial doctor consultation (e.g. runny noses and runny tummys!) are expenditures that the average expat can afford.
BUT THEN YOU HAVE AN ACCIDENT, ILLNESS OR INJURY?
YOU ARE COVERED BY YOUR EXPAT HEALTH CLUB MEMBERSHIP!
Your Membership & Benefits
Cover
As a paid member you receive your free benefits which are automatically activated when you purchase your membership
Your trust membership lasts for 12 months from the date of your membership payment.
Your free benefit of worldwide medical cover does not cover pre-existing medical conditions. Please read our definition here
Membership price €4,300
The wholesale price of €4300 is applicable to individuals aged 18 – 64.
How We Made Medical Cover Simple (and Worth It)
We Set Up
a Trust
Sounds fancy, but here’s the gist:
A Trust is a secure setup that looks after benefits for its members — you. When you join, you pay $4,400 a year, and boom — you’re in. You become a “discretionary beneficiary,” which basically means you get the perks.
Want the legal stuff? Click here to learn more: What’s a Trust, What’s a Trustee, Who’s Who, etc.
We Go Straight to the Source
The Trust buys insurance directly from big-name, AAA-rated Underwriters (like GuardRisk — check them out here).
No agents. No middlemen. Just better prices and better value.
We Cut the
Fluff
You don’t need cover for every little thing. So we keep it simple:
You’re covered for the big stuff — accidents, serious illness, and major injuries. That’s where insurance should step in. For the smaller stuff, it’s usually cheaper just to pay “out of pocket” anyway.
Claims?
Super Easy.
We team up with the Expatriate Health Group, who handle all the paperwork and claims. So if something happens, you won’t be stuck on hold or filling out 20 forms. Click here to see how it works.
Buy your membership online & choose when it starts
18-64 Years
Credit card
Access to your email
Photo of your passport
It takes about 3 minutes
* If you’re aged 65+ contact us for a bespoke membership price +44 (0)20 3633 1539
Frequently Asked Questions
A Trust is a secure setup that looks after benefits for its members — you. View Here
All legitimate claims will be covered by the insurer subject to the terms and conditions of the benefits that are made available to the member). Our insurer is regulated by the FSA Number ### in the UK.
But…always tell the truth…any false claims will invalidate your claim!
Claims will be handed by the Expatriate Health Group and can be accessed via this link.
Anyone who is health conscious – then now is the best time to join! If you exercise, go to the gym, eat fruit and vegetables, (you get the picture!) don’t wait until you have an accident, illness or an injury – these are the “big ticket” stuff that you need to be covered for. And you can become a member worldwide (except USA).
If you are a member of the Expat Health Club then your membership is portable and goes with you.
No. There are no restrictions as long as the hospital or medical provider can provide the necessary care.
You cannot be covered for any Professional or Competitive sports or league competitions.
Your free benefit of worldwide (excl USA) medical cover does not cover pre-existing medical conditions. Read Here.
You do not have a policy with an insurance company. You are a member of the Expat Health Club which purchases medical cover on your behalf from a registered insurer. The Expat Health Club is the policy holder, you are the beneficiary.
Yes – here is the link to the Expatriate Health Insurance claims portal.
No – there zero deductibles for our members.
You submit the claim to the Expatriate Health Group portal and the insurer will deal directly with the hospital. You will be contacted and the date confirmed.
Case Studies and Testimonials
