Member Upgrade

Now you can call on fast, flexible 24-hour medical care and protection while living and working abroad.

Providing You with low-cost, high-level, medical expenses protection against unforeseen illness or injury while working away from home.

Being able to call on – and afford – first class healthcare is something we often take for granted when living and working in our own home country. Yet when you and your family are based overseas, it isn't always that simple.

Can you be sure that local medical facilities are adequate, particularly if you need specialised care? Could you afford the cost of emergency hospital treatment or ongoing medical attention? What if you are taken ill while traveling and need immediate treatment?

With the Expat HealthCare Plan, you can overcome all these worries quickly, effectively and affordably. The plan will cover all your medical expenses up to US$1.6million / £1million a year AND protect you anywhere in your selected geographical area, at any time, 365 days a year. All for the cost of a single, inexpensive annual premium.

You can enrol as many members of your immediate family as you wish and you and your family will have 24-hour access to an emergency helpline for immediate medical advice and support.

But most importantly of all, you will have the reassurance of knowing that you will always* be fully covered against the cost of unforeseen illness or injury – in and out of your country of residence** – every minute of the day, every day of the year.

This special plan is only available to you, as an IAPA member, and to your family, as well as to members of our sister organisation, Expat Network.

The major benefits of Expat HealthCare Plan include:
Our plan provides the cover you need: Medical Assistance Services: Summary of Benefits

Benefits	Cover
Overall maximum cover for each person per year	US$1.6million / £1million
In-patient treatment As a result of accidental injury or illness, medical expenses including room and board charges, the use of all medical facilities and all medical treatment and services as ordered by a physician.	Full cover (subject to a maximum of 180 days)
Out-patient treatment Charges for medicine, general and specialist consultant fees provided in a physician's surgery and the treatment on a daily basis in a hospital casualty ward or emergency room	Full cover
Nursing at home	Up to 26 weeks
Maternity related complications Available after 10 months cover under this plan	Full cover
Organ transplant Heart, liver and kidneys only	Full cover
Dental treatment Accidental injury and emergency pain relief	US$1,600 / £1,000
Emergency medical transportation	Full cover
Repatriation of mortal remains	US$1,600 / £1,000
Local burial or cremation of mortal remains	US$1,600 / £1,000
Complementary medicine and treatment Including treatment by a chiropractor, osteopath, homeopath and acupuncturist when referred by a physician	Full Cover

Annual Rates - US DOLLAR

Age	Europe	Worldwide Excluding USA / Canada	Worldwide Including USA / Canada
Up to 18	721	845	1953
19 - 35	752	868	1992
36 - 49	793	909	2240
50 - 59	868	995	2453
60 - 64	1307	1509	2463
65 - 69*	1182	1365	2228

Annual Rates - £ STERLING

Age	Europe	Worldwide Excluding USA / Canada	Worldwide Including USA / Canada
Up to 18	452	547	1219
19 - 35	472	543	709
36 - 49	495	568	1400
50 - 59	541	623	1534
60 - 64	818	943	1539
65 - 69*	739	854	1392

* The maximum age at which you may apply for Expat Healthcare Insurance is 64. The Expat Healthcare policy is renewable until age 69.
** Cover outside your Territorial Limit is subject to a limit of US$32,000/£20,000 per Insured Person, per year.

This policy is available to members of IAPA and Expat Network only. For more details, please contact your local membership services office.