Individuals & Families

EHG is a company that offers medical insurance plans for expats so that if individuals or families have any medical concerns or problems while they are living in another country they will be fully covered. Overseas medical insurance is a must if you are making the leap to living in a new country, even if you are only planning to be there for a few months.

When you are going to live in a new country, you need to consider many aspects of your new life. This can include things like schools, housing, work and adjusting to a new culture and climate. However, by arranging your health insurance in advance you will have one less thing to worry about. A global health insurance plan will help to give you the peace of mind that you need if something does happen, allowing you to get any medical treatment that you need without the huge medical bills that often go hand in hand with it.

A standard healthcare policy issued in your home country will not be able to give you the comprehensive coverage that you need in your new home. The best way to make sure that you have the right level of healthcare cover is to take out an international healthcare insurance policy.

It is a good idea to obtain a new international healthcare policy if your current medical insurance is set to expire while you are abroad. Your new policy will enable you to access the best possible level of healthcare for the lowest possible cost. The team at EHG is able to find a range of low-cost plans which are much more attractive than the alternative – low cost public healthcare that is also low quality, or even paying for the full cost of the medical care yourself.

International Health Insurance remove all risk and make it easier for you to settle in your new country. Make sure you check in advance to see if it is essential for you to have international medical insurance – some countries will not allow expats to use their public healthcare system.

With our help you have access to a variety of insurance providers. It can be difficult to figure out all the different options by yourself and it can make the move to a new country that much harder. To have this weight lifted from your shoulders, talk to a member of our team and we will explain all your options to you. If you prefer, you can simply fill out this quote form.

There are a few things that you need to take into consideration when you are choosing your healthcare plan. A few of these are explained here but if you want a more in-depth description you can take a look at our Insurance Terms page.

Extent of Coverage
If you have good quality medical insurance in place you will not have the worry of what to do when you become ill in a foreign country. You can get medical coverage that just deals with basic requirements or a policy that will cover you for anything and everything. Medical costs around the world are rising dramatically and it is better to have more cover than a policy that is insufficient. If something serious happens to any member of your family you will want the peace of mind of knowing that you have the best protection available.

Consider first how much of a risk you are prepared to take. Are you prepared to risk your health or would you prefer for an insurer to handle that risk? An illness that runs up huge medical bills means that comprehensive medical cover really is the best option as otherwise you would have to pay the bills yourself.

You can get policies at differing rates so you can decide just how much cover you need. Reduced risk coverage means that you will also see reduced premiums. Take a look at our quote page and use the tools available there to discover all your options. If you prefer, speak to a member of our team. EHG is firmly committed to ensuring that you can have affordable coverage that is fast and easy to arrange and that will meet all of your individual requirements.

Geographical Coverage
An international medical insurance plan will provide cover for you no matter where you are. If you want to take a trip to numerous countries your policy will enable you to access top quality healthcare and will then make sure that when you return to your new home country you are covered there too. Cover like this is also the practical option when you go to countries where you could be exposed to tropical diseases or where you will be in dangerous conditions.

Plans like this will offer you coverage to quality healthcare services without the hefty bill that would normally go with it. You need to make sure that the country that you are visiting is included as part of the plan. On a medical insurance plan, geographical coverage could just mean the country that you have moved to or it could mean a whole continent. There are plans that also cover the whole world.

If you have extensive geographical coverage you will not be forced to settle for the cheapest possible healthcare. If you are travelling on a budget and you will be visiting a number of different countries where different languages are spoken, you will also be facing different healthcare systems and different pricing structures. It is also a good idea to consider geographical coverage if you are going to be spending more than a few days in one place or if you want to make the most of your time as an expat by exploring neighbouring countries.

However, if you were to use your standard plan from your home country and then travel to different nations you may find that there is a limit to the type and amount of care that you are entitled to. Some plans offer no coverage overseas at all. An international plan for either the individual or the family is important if you want to have reliable, good quality healthcare available to you no matter which country you are in. You can limit geographical coverage if you know that you are not going to do much travelling.

Level of Public Healthcare Available
You need to consider a few essential points when you are planning your healthcare insurance in a new country. Take a look at the type and quality of healthcare that is available in your new country. Do you get a choice of doctors and hospitals? If the answer is yes you need to make sure that the choices meet your individual requirements or if you will need to have a health insurance policy in place that will give you access to more options. There are some countries where expats have no right at all to use the public healthcare system, so an international medical insurance plan is essential.

If you are used to certain healthcare standards in your home country such as a private room, you may find that it costs much more in your new country, so an international healthcare policy that can offer you this might be a good idea. The more options that you have the better.

Take a look at the different country pages on our website to find out more about the local healthcare situation in your new home country. Complete a quote form if you want to find out more about any aspect of healthcare or give us a call and a member of our team will be happy to answer any questions that you may have on what private healthcare can offer you. We can explain your options to you.