International Health Insurance for UK Expats
As an FCA-authorised broker that has helped arrange over 800,000 policies, WeCovr understands that moving abroad is a thrilling life chapter. This guide to international private medical insurance for UK citizens will help you navigate one of the most critical parts of your planning: securing your health and wellbeing in your new home.
WeCovr's guide to securing cover abroad as a UK citizen
Moving overseas is an adventure filled with new cultures, opportunities, and experiences. Yet, one of the most common anxieties for UK expats is healthcare. The NHS, a service we often take for granted, is residency-based. Once you move abroad, your access to it largely ceases.
This is where International Private Medical Insurance (IPMI) becomes not just a safety net, but an essential part of your new life. This comprehensive guide will walk you through everything you need to know, from understanding what IPMI is to choosing the right policy for you and your family.
What is International Private Medical Insurance (IPMI)?
International Private Medical Insurance is a specific type of health insurance designed for people who live and work outside their home country for an extended period. Think of it as a comprehensive, global version of the private medical insurance UK residents might have.
Its primary purpose is to cover the costs of medical treatment, from routine check-ups to serious emergencies, in the country you've moved to. Unlike standard UK PMI, it is built for the specific challenges of expat life, offering features like cross-border cover and medical evacuation.
Key Distinction: International PMI vs. Travel Insurance
Many expats mistakenly believe their travel insurance will suffice. This is a dangerous misconception. The two products are designed for entirely different purposes.
| Feature | Travel Insurance | International Health Insurance |
|---|---|---|
| Purpose | Short-term trips and holidays (usually up to 90 days). | Long-term residence abroad (12 months or more). |
| Cover Scope | Emergency medical treatment to get you fit to fly home. Lost baggage, flight cancellations. | Comprehensive medical care in your new country of residence, including routine and emergency treatment. |
| Medical Care | Stabilises you for repatriation to the UK for ongoing care. | Provides for your full treatment and recovery in your new country. |
| Exclusions | Often excludes pre-existing conditions or anything non-urgent. | Can be underwritten to cover some conditions (though not chronic ones) and includes routine check-ups (with out-patient cover). |
| Duration | Per-trip or an annual policy for multiple short trips. | Annual, renewable policy designed for long-term living. |
In simple terms: Travel insurance is for holiday emergencies. International health insurance is your new healthcare system when you live abroad.
Why Every UK Expat Should Consider International Health Cover
Relying on the local state healthcare system in your new country can be a gamble. While some nations have excellent public services, others may have long waiting lists, language barriers, or standards that differ from what you're used to with the NHS.
Here are the compelling reasons why IPMI is a must-have:
- Loss of NHS Access: According to official NHS guidance, once you move abroad permanently, you are no longer entitled to NHS medical treatment in the UK, except for in limited circumstances or if you are visiting and need emergency A&E care. You cannot simply fly back to use the NHS for routine treatment.
- Limitations of Reciprocal Agreements: The Global Health Insurance Card (GHIC) has replaced the old EHIC. It provides state-level medical care if you are in an EU country. However, it's not a substitute for proper insurance. It only covers emergency or necessary care, not private treatment, and it won't cover medical repatriation back to the UK.
- Prohibitive Healthcare Costs: In many countries, the cost of medical care can be astronomical. A simple broken leg in the USA could cost tens of thousands of dollars. A serious illness without insurance could lead to financial ruin. A 2024 analysis showed that a single day in a U.S. hospital can average over $3,000 (£2,400).
- Access to High-Quality Care: IPMI gives you access to private hospitals and clinics, often with English-speaking staff, shorter waiting times, and more comfortable facilities.
- Peace of Mind: Knowing that you and your family are covered for any health eventuality allows you to fully embrace your new life without the constant worry of "what if?".
Understanding the Core Components of an International PMI Policy
When you start comparing policies, you'll encounter a range of terms and options. Understanding these is key to choosing the right private health cover.
1. Core Cover: In-patient and Day-patient Treatment
This is the foundation of every IPMI policy. It covers treatment that requires a hospital bed.
- In-patient: You are admitted to hospital and stay overnight (e.g., for surgery, serious illness).
- Day-patient: You are admitted to a hospital or clinic for a procedure but do not stay overnight (e.g., minor surgery, endoscopy).
Core cover typically includes:
- Hospital accommodation charges
- Surgeons' and anaesthetists' fees
- Diagnostic tests (MRIs, CT scans) and X-rays related to your hospital stay
- Cancer treatment (chemotherapy, radiotherapy)
- Intensive care costs
2. Optional Add-on: Out-patient Cover
This is one of the most valuable additions you can make to your policy. It covers medical care that does not require a hospital bed.
- Consultations with GPs and specialists
- Prescription medications
- Diagnostic tests not requiring a hospital admission
- Physiotherapy and other therapies
Without out-patient cover, you would have to pay for every doctor's visit and prescription out of your own pocket.
3. Medical Evacuation and Repatriation
This is a critical feature for any expat.
- Medical Evacuation: If you suffer a serious illness or injury in a location where adequate medical care is not available, this covers the cost of transporting you to the nearest suitable medical facility.
- Repatriation: This covers the cost of returning you to your home country (the UK) for treatment if it's medically necessary.
Imagine you're working in a remote part of Southeast Asia and have a serious accident. Medical evacuation cover would be your lifeline.
4. Area of Cover
Insurers offer different geographical areas of cover, which directly impacts your premium.
- Worldwide: The most comprehensive and expensive option, covering you anywhere on the globe.
- Worldwide excluding USA: A very popular option. It provides global cover but excludes the USA due to its exceptionally high healthcare costs. This can reduce premiums by up to 40-50%.
- Europe Only: A cost-effective choice if you are moving to a European country and don't plan to travel extensively outside the continent.
- Specific Regions: Some insurers offer cover for regions like Asia or the Middle East.
Choose an area of cover that reflects where you will live and travel. You can often add temporary cover for the USA if you plan a holiday there.
The Critical Issue: Pre-existing and Chronic Conditions
This is the most important concept to understand about private medical insurance.
Standard private health insurance, whether for the UK or international, is designed to cover acute conditions that arise after your policy begins. It is generally not designed to cover pre-existing or chronic conditions.
- Acute Condition: A disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery (e.g., a broken bone, appendicitis, pneumonia).
- Chronic Condition: A disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, is likely to recur, or requires palliative care (e.g., diabetes, asthma, hypertension, Crohn's disease).
- Pre-existing Condition: Any condition for which you have had symptoms, medication, advice, or treatment before your policy start date.
When you apply for a policy, the insurer will use one of two main methods to assess your health and decide what they will cover.
Underwriting Explained: Moratorium vs. Full Medical Underwriting
| Underwriting Type | How It Works | Pros | Cons |
|---|---|---|---|
| Moratorium (Mori) | You don't declare your full medical history upfront. Instead, the policy automatically excludes any condition you've had in the last 5 years. This exclusion can be lifted if you go for a set period (usually 2 years) without any symptoms, treatment, or advice for that condition. | Quicker application process. Less initial paperwork. | Lack of certainty. You may only discover a condition isn't covered when you try to claim. |
| Full Medical Underwriting (FMU) | You complete a detailed health questionnaire, declaring your entire medical history. The insurer assesses it and tells you upfront exactly what is and isn't covered. They may apply specific exclusions or, in some cases, charge a higher premium to cover a condition. | Complete clarity from day one. You know exactly where you stand. | Longer application process. Requires you to gather medical information. |
For the peace of mind of an expat, Full Medical Underwriting is often the recommended route. It removes ambiguity and ensures there are no nasty surprises when you need to make a claim thousands of miles from home. An expert PMI broker like WeCovr can guide you through the FMU process to ensure it's as smooth as possible.
How to Choose the Best International PMI Policy for You
With so many providers and options, the choice can feel overwhelming. Here’s a structured approach.
Step 1: Assess Your Personal Needs
- Destination: Where are you moving? Healthcare costs in Dubai are very different from those in Spain. Some countries, like the UAE, legally require you to have health insurance to get a residency visa.
- Your Family: Are you single, a couple, or a family with children? Family policies can cover maternity, vaccinations, and routine check-ups for kids.
- Your Health & Lifestyle: Are you generally healthy? Do you participate in any risky sports? Consider your future needs, such as planning a family.
- Your Budget: Be realistic about what you can afford. It's better to have a solid, affordable policy than an all-inclusive one you can't sustain. You can manage costs by adjusting your excess.
Step 2: Compare Providers and Policies
Don't just look at the price. The best PMI provider is the one that offers the right combination of cover, service, and value for your specific needs. Look at:
- Overall Benefit Limits: Is there an annual cap on how much the policy will pay out?
- Out-patient Limits: Are there sub-limits on consultations or therapies?
- Hospital Network: Does the insurer have a good network of "direct billing" hospitals in your new country? (This is where the hospital bills the insurer directly, so you don't have to pay upfront).
- Customer Service: Do they offer 24/7 support in English? Check reviews and ratings.
Here is an illustrative comparison of what you might look for:
| Feature | Provider A (Example) | Provider B (Example) | Provider C (Example) |
|---|---|---|---|
| Annual Limit | £1,500,000 | £2,000,000 | Unlimited |
| Area of Cover | Worldwide exc. USA | Worldwide exc. USA | Worldwide |
| Out-patient Cover | Up to £25,000 | Fully Covered | Fully Covered |
| Medical Evacuation | Included | Included | Included |
| Excess Options | £0, £250, £500 | £100, £500, £1000 | £0, £400, £800 |
| Direct Billing Network | Extensive | Very Extensive | Global Premium Network |
Step 3: The Value of an Independent PMI Broker
Trying to compare all these variables across multiple insurers is time-consuming and complex. This is where an independent broker shines.
An expert broker like WeCovr works for you, not the insurance companies.
- Expert Advice: We understand the global market and the nuances of different policies.
- Market Comparison: We compare plans from a wide range of leading international insurers to find the one that best fits your needs and budget.
- No Extra Cost: Our service is free to you. We are paid a commission by the insurer you choose, which doesn't affect the price you pay.
- Application Support: We help you with the paperwork, especially for Full Medical Underwriting, ensuring everything is correct.
Country-Specific Considerations for UK Expats
Healthcare systems and insurance requirements vary dramatically around the world.
- EU Countries (e.g., Spain, France, Portugal): While your GHIC provides some cover, it's not enough. Many of these countries have excellent but overstretched public systems. Private cover gives you faster access to specialists and a wider choice of hospitals. For some residency visas, proof of comprehensive private health insurance is mandatory.
- USA: Non-negotiable. The US has no nationalised healthcare system and costs are the highest in the world. Even a minor issue can be financially crippling without robust insurance. "Worldwide excluding USA" policies exist for a reason—insuring you there requires a specialist, comprehensive plan.
- Australia: The UK has a Reciprocal Health Care Agreement with Australia, allowing access to the public Medicare system. However, most expats on temporary visas are required to take out private cover. High-earners may also need it to avoid the Medicare Levy Surcharge.
- UAE (Dubai & Abu Dhabi): Health insurance is a legal requirement for all residents. Your employer is often required to provide a basic level of cover, but many expats choose to top this up with a more comprehensive international plan for better access to private facilities.
- Asia (e.g., Singapore, Hong Kong, Thailand): These destinations are renowned for their world-class private hospitals. IPMI is essential to access this high standard of care, as public options may not be accessible or suitable for expats.
Staying Healthy Abroad: Wellness Tips for Expats
Your health insurance is there for when things go wrong, but staying healthy is your first line of defence. Moving to a new country can disrupt your routines.
- Nutrition: Explore the local cuisine, but find a balance. Use local markets for fresh produce. To help you stay on track with your dietary goals in a new food environment, all WeCovr health and life insurance clients receive complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app.
- Activity: A new climate might change how you exercise. If it's too hot for a midday run, try early morning swims or air-conditioned gyms. Research local hiking trails, sports clubs, or yoga studios to meet people and stay active.
- Mental Wellbeing: Culture shock is real. Stay connected with friends and family back home via video calls. Make an effort to build a new social network. Don't be afraid to use mental health support services, which are often included in comprehensive IPMI plans.
- Sleep: Prioritise a good sleep routine, especially after a long-haul move. It's fundamental to your physical and mental health.
WeCovr: Your Partner in Health
At WeCovr, we do more than just find you a policy. We believe in providing holistic value. When you arrange your private medical insurance through us, you not only get expert, impartial advice but also gain access to exclusive benefits:
- CalorieHero App: Complimentary access to our AI nutrition coach.
- Multi-Policy Discounts: Clients who take out private medical or life insurance with us are eligible for discounts on other products, such as home or travel insurance.
- Exceptional Service: We pride ourselves on our high customer satisfaction ratings and are here to support you throughout the life of your policy.
Can I still use the NHS if I move abroad but keep my UK passport?
What is the difference between travel insurance and international health insurance?
Are my pre-existing medical conditions covered by international private medical insurance?
How much does international health insurance for a UK expat cost?
Take the Next Step to Secure Your Health Abroad
Planning a move abroad is complex, but your health insurance doesn't have to be. With the right advice and the right policy, you can embark on your new adventure with the complete confidence that you're protected.
Let WeCovr help. Get your free, no-obligation international health insurance quote today and speak to one of our friendly, expert advisors.
Why private medical insurance and how does it work?
What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.How does it work?
Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment
Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.
Questions to ask yourself regarding private medical insurance
Just ask yourself:👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?
Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.
Benefits offered by private medical insurance
Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.
Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.
Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.
Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.
Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.
Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.
Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.
Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get private medical insurance early?
👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
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