Expatriate Group
Short Term International Health Insurance
The Expatriate Group Short Term International Health Insurance is an international health plan for individuals travelling abroad for periods of 2 to 11 months, with enrollment possible up to age 65. Coverage can be selected worldwide or for a more limited area, and the policy is not renewable, so a new policy is needed for a further period.
Offered by 
Who is this insurance for?
- Individuals travelling abroad for periods of 2 to 11 months.
- Enrollment possible up to age 65; the main insured is at least 18.
- Whether you spend all your time in one country or hop between destinations.
- Those who want instant cover from the start date and 24-hour support.
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Instant healthcare cover
Cover from the moment of purchase, or from a start date up to 90 days in advance.
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24-hour support
Emergency assistance is available 24 hours a day and 365 days a year.
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Worldwide or a limited area
Choose Worldwide, Worldwide excluding North America, or a more limited area.
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Unrestricted access to hospitals
Comprehensive protection comparable to Expatriate Group's longer-term cover.
What is covered?
Click a section open to see what is and what is not covered.
What is covered
- Private hospital bed, surgery, anaesthetists, specialist, physician and nursing fees, and intensive care.
- Prescribed medicine and drugs, and diagnostic tests including MRI, CAT and PET.
- Oncology and cancer treatment.
- Psychiatric treatment in hospital, up to 30 days.
- Home nursing following hospitalisation, up to 30 days.
What is not covered
- Pre-existing conditions from the two years before your Effective Date, whether or not diagnosed.
- Costs relating to pregnancy or childbirth, including any secondary or associated problems.
- Hazardous activities, unless accepted by the insurer in writing.
Maximum reimbursements
- Annual maximum
- €/£/$1,000,000 to €/£/$5,000,000, per plan
- Psychiatric treatment in hospital
- 30 days
- Home nursing after hospitalisation
- 30 days
Please note
Inpatient and day care treatment, and claims likely to exceed €/£/$1,000, must be pre-approved by the claims department at least 7 days before treatment, where possible.
Benefits and excesses are in the same currency in which you pay your premium.
What is covered
- Emergency medical transportation.
- Local ambulance.
- Expenses for an accompanying dependant.
- Repatriation of mortal remains.
- Compassionate travel.
Maximum reimbursements
- Accompanying dependant
- €/£/$75 to €/£/$150 per day, per plan
- Repatriation of mortal remains
- €/£/$5,000 to €/£/$10,000, per plan
Please note
If you require emergency medical assistance, contact the medical assistance provider on +44 (0)20 3285 7248 or assist@expatriategroup.com, 24 hours a day, 365 days a year.
What is covered
- New accidents and illnesses which you would not have reasonably expected prior to travelling.
- Trips of no more than 30 days, from leaving your area until you return to it.
- Up to €/£/$50,000 per insured person, per trip.
What is not covered
- Other claims incurred outside your Geographical Treatment Area.
Maximum reimbursements
- Maximum per trip
- €/£/$50,000
- Maximum trip length
- 30 days
Points to note
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No cover for pre-existing conditions
Pre-existing conditions are any condition, disease, illness or injury, secondary or associated complaint where you have sought or received advice, treatment, therapy, been submitted to a special diet or shown symptoms in the two years prior to your Effective Date, whether or not diagnosed.
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Excess per condition
The excess (or: deductible) is applicable per condition, per person, per insurance year.
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Not renewable
Short Term Healthcare policies cover a specific time frame and are not extendable or renewable. You can purchase a new Short Term policy or International Healthcare policy to cover another period; either would be a separate and distinct policy.
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No pregnancy, childbirth or preventive care
On a Short Term policy, all costs relating to pregnancy or childbirth, including any secondary or associated problems, are excluded, and the Preventative Services benefit does not apply.
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Pre-approval above €/£/$1,000
All inpatient and day care claims, and claims likely to exceed €/£/$1,000, must be pre-approved by the claims department at least 7 days before admission or treatment, where possible: +44 (0)20 3285 7246 or claims@expatriategroup.com.
Frequently asked questions
Liever persoonlijk advies? Onze adviseurs kijken met u mee naar uw situatie, uw bestemming en de voorwaarden die daarbij horen.
Vraag gratis adviesPremie berekenen
Bereken uw premie met de vergelijkingstool
Voor deze verzekering is geen eigen premietool beschikbaar. In onze algemene vergelijkingstool berekent u een premie-indicatie en ziet u meerdere verzekeraars naast elkaar. Aanvragen doet u niet in de tool, maar via JoHo Insurances.
Naar de vergelijkingstoolHow to apply for this insurance
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Choose your area of cover and duration
Select the right area category for the countries you will visit, and an expiry date greater than 2 months and within 11 months of your chosen start date.
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Calculate your premium and apply online
Fill out the online quote and application tool. Cover is effective from the moment of purchase, or you can choose a start date up to 90 days in advance.
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Pay the premium in one go
The Short Term Healthcare plan is only available as a one-off premium payment. Cover will not be effective until the premium has been received.
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Receive your policy documents
You will receive confirmation and policy documents by email, and a hard copy in the post along with your membership card.
What do you need?
- Your chosen start date (up to 90 days ahead) and expiry date (2 to 11 months later).
- The area of cover that matches the countries you will visit.
- The date of birth of the main insured, who is 18 to 65 years old at the start date.
Application
Alternative application route
Do you have a question about this insurance?
We are happy to answer your questions about Expatriate Group Short Term International Health Insurance. Fill out the contact form at https://www.expatverzekering.nl/forms/expatriate-group-short-term-international-health/.
Waarom afsluiten via JoHo Insurances
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Dezelfde premie
U betaalt via JoHo Insurances dezelfde premie als wanneer u de verzekering rechtstreeks bij de verzekeraar afsluit.
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Gratis persoonlijk advies
Vul het adviesformulier in en u krijgt een gratis advies dat is afgestemd op uw persoonlijke situatie en plannen.
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Hulp bij schade en declaraties
Loopt er iets mis of komt u er met een declaratie niet uit, dan helpen wij u en bemiddelen wij bij de verzekeraar.
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Nederlandstalig aanspreekpunt
U spreekt of mailt in het Nederlands met ons kantoor in Leiden, ook als u aan de andere kant van de wereld woont.
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AFM-erkend bemiddelaar
JoHo Insurances is een door de AFM erkend bemiddelaar (nr. 12043929) in verzekeringen.
Emergency assistance
Contact met JoHo Insurances