Expatriate Healthcare brochure

totally dedicated to expatriates™
www.expatriatehealthcare.com
“Better for you because expatriate insurance is all we do”
International Healthcare
Regional Healthcare
Travel
Term Life
Income Replacement

2 www.expatriatehealthcare.com

I would like to welcome you to Expatriate Healthcare:
we are a company whose sole purpose is to provide
products and services to protect you and your family
whilst you are living and working overseas. Because
that’s all we do, we can focus all of our attention on
making sure that you are provided with the right plans
and a first class service.
Expatriate Healthcare was established at the start of
the century as a private medical insurer for expatriates
and since then we have grown our suite of products
beyond healthcare to provide you with a total personal
protection solution. This includes comprehensive
products for travel, life, income replacement and our
flagship international private medical insurance.
We take great pleasure in the service we provide our
customers and proudly display recent feedback we have
received on our website at www.expatriatehealthcare.
com, so please don’t just take our word for it – come
online and see what others are saying about us.
As well as providing in-depth information about our
services, the website also provides an opportunity to
review the latest expat news, which we update daily,
and obtain instant quotations for all the plans that we
provide. As part of your experience with us, we’ll send
you a monthly newsletter telling you the experiences of
other expats all around the world.
At Expatriate Healthcare we understand that customers
expect different things from their insurance. Our
Healthcare plans have been designed with this in
mind, providing sensibly priced products without
compromising on benefits. We have also introduced
Premium Rewards on our international plan, giving
customers further control over their premium (see page
6 for more information).
Wherever you live, whatever your circumstances, we
believe that Expatriate Healthcare is the right choice
for you.
Lee Gerry
Group Underwriting Manager
“
”
5 International Healthcare
About the Plans
Premium Rewards
Key Features
Benefit Schedule
8 Regional Healthcare
About the Plans
Benefit Schedule
10 Travel
About the Plan
Benefit Schedule
13 Term Life
15 Income Replacement
www.expatriatehealthcare.com 3

As our name would suggest, our plans are designed especially for you
The Expatriate Healthcare plans have been created by experienced insurance professionals, using the
culmination of many years of knowledge in the global private medical insurance market, to bring to
you a selection of plans to suit all requirements and budgets.
To provide plans which are rich in benefits, but sensible on price, the International Plan has been split
into three product lines:
Covering the unexpected
The Primary Plan has been designed to provide the essential elements of international private
healthcare aimed at covering the high cost of hospitalisation treatment and evacuation cover.
Because we believe that your plan should cover all aspects of hospitalisation; your plan will include
pre-hospitalisation tests and consultations, as well as post-hospital out-patient, consultations, tests
and medication. Of course, the Emergency Assistance and Repatriation benefits are standard, to ensure
that, wherever you are in the world, if treatment isn’t available where you are, we’ll make sure that
you get to a hospital that can provide you with the appropriate care.
Every day assistance
The Primary+ Plan provides all of the benefits of our Primary, as well as comprehensive outpatient
cover; giving you access to your family doctor, outpatient specialists and physicians, alternative
treatment (such as osteopathy, homeopathy and acupuncture).
We know that sometimes medical conditions can’t be cured with a single visit or course of medication.
Therefore Primary+ also covers you in the event that you suffer from a chronic medical problem, where
lifelong treatment, drugs and consultations can be a great financial burden.
Always there
The Select Plan is simply one of the most comprehensive private medical insurance plans available.
Select is aimed at providing a total solution to your healthcare needs. Not only does Select provide you
with excellent cover in the event of an illness – it also provides preventative benefits, to help ensure
that medical conditions are diagnosed and treated at the earliest possible stage.
The Select level of cover includes dentistry, maternity, optical care (including prescription glasses
or contact lenses), an annual routine medical check-up, preventative heath screening (including
mammograms, cervical smears, PST screening) and travel vaccinations.
International Healthcare Insurance
Instant Cover
24 Hour Support
No Hospital Restrictions
Comprehensive Protection
Chronic & Terminal Cover
No Out-of-pocket Hospital
Expenses

Optical Care
Changes to your eyesight are
inevitable. That’s why Expatriate
Healthcare provide a benefit covering
the cost of an annual eye exam for
each person insured under the policy.
Where there is a change to your prescription we will also cover
you for the cost of prescription lenses (including standard
contact lenses).
Complementary Medicine/
Therapies
Should you be prescribed
complementary treatment, we
cover chiropractic help, osteopathy,
homoeopathy and acupuncture.
Emergency Assistance
In the event of an emergency, one
simple call to Expatriate Healthcare’s
assistance service provider and
arrangements will be made for you to
be transported to the nearest location
for appropriate treatment.
Through AXA Assistance, our multilingual 24-hour support
partner, we will liaise with you, your family and the local
healthcare services, keeping you continually updated. AXA
Assistance has 2,500 experienced employees in 37 countries,
covering 5 continents.
AIDS/HIV and Chronic
Conditions
We understand that not all medical
conditions can be cured.
Chronic conditions usually require you
to have regular check-ups, nursing
care and routine or daily medication. Thankfully, with the right
medical support, many people can live a relatively normal life
whilst suffering with a chronic condition. However, the financial
implications can be devastating.
We support you by providing benefits in respect of both HIV and
chronic conditions.
Medical Expenses
We provide cover for inpatient and
outpatient medical costs, liaising with
medical staff and ensuring that you
are receiving appropriate treatment.
Should any member of your family fall ill and require emergency
medical transportation, we provide a round-trip airfare ticket
for one accompanying dependant insured under the policy.
Preventative Care
Your health and well-being and that
of those you love and value is of
paramount importance. Expatriate
Healthcare is committed to keeping
you all healthy by providing regular
health checks and tests. These include vaccinations, annual
medical check-ups and cervical smears.
We even provide for prostate cancer screening and
mammograms for the over 45’s.
Maternity Care
We know that when you are expecting
a baby, you need to feel confident that
appropriate care is available.
Once you have been covered by the
policy continuously for 12 months,
if you become pregnant, we provide for your antenatal
appointments in the run up to the big day and for the delivery
itself. And to get you back on your feet in those early days, we
also allow for home nursing for 5 days after home delivery.
Dental Care
Your general health and well-being
also extends to your dental health.
Good dental health requires regular
and routine check-ups and resulting
restorative treatment can be costly.
Expatriate Healthcare understand that prevention is always the
better solution so we provide you with cover for routine check-
ups and treatment plus, in the event of further treatment being
required, both basic and major restorative treatment.
Premium Rewards
Premium Rewards are our way of rewarding customers who remain claims free by discounting
future premiums by up to 20%. Simply put: if you don’t make a claim in a policy year you can earn
a discount of up to 10% on your subsequent annual premium, up to 15% for two years without a
claim and up to 20% for 3 years claims free or greater.
If you are a Select customer claims under the Maternity, Dental, Optical or Preventative Services
will not affect your entitlement to Premium Rewards.
Premium Reward
Claim Free Period
1 year -5% -10%
2 years -7.5% -15%
3+ years -10% -20%
Key Features
Not applicable to all plans - please refer to the Benefit Schedule on page 7.

Benefits
Annual Aggregate Maximum:
Excess Options:
€1,000,000
Nil, €5,000
€1,500,000
Nil, €50, €100,
€250, €5,000
€5,000,000
Nil, €50, €100,
€250, €5,000
Inpatient & Daypatient Benefits
Room and Board 100% 100% 100%
Treatment and Surgeries 100% 100% 100%
Intensive Care 100% 100% 100%
Anaesthetists’ and Operating Theatre Fees 100% 100% 100%
Specialist, Physician and Nursing Fees 100% 100% 100%
Prescribed Medicine and Drugs 100% 100% 100%
Diagnostic Tests and Procedures 100% 100% 100%
Oncology 100% 100% 100%
Psychiatric 30 days 30 days 30 days
Hospital Cash Benefit €75 per night €100 per night €150 per night
Parent Accommodation 100% 100% 100%
Outpatient Benefits
GP Consultations
Pre-hospital admission
and 60 days following
discharge
100% 100%
Specialist and Physician Fees 100% 100%
Prescribed Medicine and Drugs 100% 100%
Diagnostic Tests and Procedures 100% 100%
Physiotherapy €3,000 (10 sessions) €3,000 (10 sessions)
Oncology 100% 100%
Psychiatric - €3,000 (10 sessions)
Outpatient Surgery 100% 100% 100%
Home Nursing following Hospitalisation 30 days 30 days 30 days
Rehabilitation following Hospitalisation €2,000 €2,000 €2,000
Alternative Medicine and Treatment - €3,000 (10 sessions) €3,000 (10 sessions)
Additional Benefits
Local Ambulance Service 100% 100% 100%
Prosthesis €2,000 €2,000 €2,000
Out of Area Cover 30 days (€50,000) per trip 30 days (€50,000) per trip 30 days (€50,000) per trip
Second Opinion for Surgery 100% 100% 100%
Special Services
Organ Transplantations €100,000 €150,000 €300,000
Chronic Conditions - €2,000 €2,000
HIV, AIDS & ARCS - €50,000 lifetime €50,000 lifetime
Terminal & Palliative Care €15,000 €20,000 €30,000
Assistance Services
Emergency Medical Transportation 100% 100% 100%
Expenses for accompanying Dependent
- Travel
- Accommodation & Subsistence
100%
€75 per day
100%
€100 per day
100%
€150 per day
Repatriation of Mortal Remains €5,000 €5,000 €10,000
Compassionate Travel 100% 100% 100%
Family Compassionate €250 €250 €250
Maternity Benefits
Complications of Pregnancy €5,000 €5,000 100%
Normal Delivery - - €7,500
Elective Caesarean Operation - - €7,500
Non-elective Caesarean Operation - - €7,500
Home Delivery - - €7,500
Home Nursing following Home Delivery - - 5 days
New Born Care - - €25,000
Dental Benefits
Routine Dental Treatment - - 80% (€750)
Basic Restorative Dental Treatment - - 80% (€750)
Major Restorative Dental Treatment - - 80% (€1,000)
Accidental Emergency Dental Treatment 100% 100% 100%
Optical Benefits
Examinations & Lenses - - €150
Preventative Services
Travel Vaccinations - - 100%
Medical Check-up - 100% 100%
Cervical Smears - - 100%
Mammograms - - 100%
Prostate Cancer Screening - - 100%
Benefit Schedule
The following provides an overview of the benefits provided by our International Healthcare.
This is a summary of benefits and should be read in conjunction with the Policy Wording and any
endorsements. The limits shown are per person, per period of cover; unless otherwise stated.

Providing expatriates with the right level of cover and service at an
affordable price...
...is something that Expatriate Healthcare is passionate about. That’s why we have tailored an
affordable product especially for residents of Spain, Cyprus, Portugal, Gibraltar and Andorra.
Expatriate Healthcare’s Regional Healthcare insurance covers you in your country of residence and your
country of nationality too1
. Therefore if you spend a lot of time in your country of nationality - or you
simply want to take extended holidays there – this is the plan for you. It even covers you for any trip
anywhere in the world up to 30 days, giving you full worldwide protection2
.
The Primario private healthcare range has been designed and arranged into 3 different products,
allowing you to select a plan which is going to meet your personal requirements and expectations:
No frills
Primario Budget plan is our most affordable level of cover. The Primario Budget plan is a core ‘no frills’
hospitalisation plan. The plan has been designed for those seeking to protect themselves against in-
patient hospitalisation costs.
Covering the unexpected
The Primario Plan is our comprehensive hospitalisation plan, providing up to €1,000,000 of cover,
ensuring that you don’t suffer from any large out-of-pocket expenses for unexpected healthcare needs.
The Primario Plan also continues your cover once you have left hospital, providing 60 days follow-up
care for post-hospital consultations, tests or routine care.
Comprehensive Cover
Looking to cover treatment received at your GP surgery, as an out-patient or in a hospital? Our most
comprehensive regional product, giving you excellent insurance protection for most non-elective
medical treatments received in a hospital or at your doctor’s surgery. Protecting you from a range of
costs including ambulance, specialist care, routine laboratory tests, scans, GP care and physiotherapy
– as well as lots more. Primario Más allows you to receive treatment without worrying about the cost
of the care.
1
Where you are an EU national.
2
Does not apply to the Primario Budget plan, which covers you in your country of residence only.
Regional Healthcare Insurance
Full Medical Cover
Guaranteed Acceptance
for Ages 0-70
Cover for Life
Chronic Illness Cover
as Standard
From as Little as €27
Per Month

Benefit Comparison
Annual Aggregate Maximum: €50,000 €1,000,000 €1,000,000
Excess: €50 ** €50 ** €50 **
Hospital Benefits
Room and Board 100% 100%
Inpatient and Day-care Treatment and Surgeries 100% 100%
Intensive Care 100% 100%
Anaesthetists’ and Operating Theatre Fees 100% 100%
Specialists’ and Physicians’ Fees and Nursing Fees 100% 100%
Prescribed Medicine and Drugs 100% 100%
Diagnostic Tests and Procedures 100% 100%
Psychiatric - 100% (max 30 days) 100% (max 30 days)
Hospital Cash Benefit - €75 per night €100 per night
GP & Outpatient Benefits
Outpatient Surgery 100% 100%
Specialists’ and Physicians’ Fees for Consultations * 100%
Diagnostic Tests and Procedures 100%
Prescribed Medicine and Drugs - 100%
Physiotherapy - 10 sessions
Home Nursing following Hospitalisation - 100% (30 days) 100% (30 days)
Rehabilitation Treatment following Hospitalisation - 100% (€2,000 max) 100% (€2,000 max)
Alternative Medicine and Treatment - - 10 sessions (€2,000 max)
Additional Benefits
Local Ambulance Service €200 per period of cover 100% 100%
Prosthesis (artificial body parts) - 100% (€2,000 max) 100% (€2,000 max)
Second (and if necessary third) Opinion for Surgery - 100% 100%
Special Services
Organ Transplantations - operation only - 100% (€100,000 max) 100% (€150,000 max)
Chronic Conditions (stabilisation) Inc in Hospital Benefit max 100% 100%
Chronic Conditions (curative) Inc in Hospital Benefit max 100% 100%
Chronic Conditions (routine treatment) - - 80% (€2,000)
HIV, AIDS & ARCS - - €50,000 lifetime
Assistance Services
Emergency Medical Transportation - 100% 100%
Expenses for accompanying Dependant - Round trip ticket Round trip ticket
Repatriation of Mortal Remains - €5,000 €5,000
Family Compassionate Travel €250 €250 €250
Maternity Benefits
Complications of Pregnancy - 100% (€5,000 max) 100% (€5,000 max)
Dental Benefits
Emergency Dental Treatment following Accident - 100% 100%
Area of Cover
Country of Residence 100% 100% 100%
Country of Nationality (Europe) - 100% 100%
Outside of Area - €50,000 per trip €50,000 per trip
* Limited to €75 per period of cover where not received in connection with a valid hospitalisation, except under the Primario Mas plan,
where benefit is refunded at 100%. ** Option to reduce excess to Nil is available.
Benefit Schedule
The following provides an overview of the benefits provided by our Regional Healthcare plans.
This is a summary of benefit and should be read in conjunction with the Policy Wording and any
endorsements. The limits stated are applicable per person, per period of cover; unless otherwise
stated.
Up to
€50,000
per period
of cover
Up to €1,500
per period
of cover Limited to the 60 days
immediately following
a valid hospitalisation

Unrestricted travel insurance from Expatriate Healthcare
By their very nature, expatriates like to travel. Expatriate Healthcare are pleased to be able to offer
Annual Multi-Trip travel insurance for residents of the European Union, so you can now buy your travel
insurance for the year and forget about it!
Expatriate Healthcare’s AMT Travel Insurance allows you the freedom to travel as frequently as you like
with complete peace of mind.
You can select trip lengths of 31, 45 or 60 days. So long as your trip isn’t longer than the pre-selected
period you can take as many trips as often as you like making the policy ideal for those who travel
frequently – or those who just want the peace of mind to know that their insurance has been sorted
out for another year.
The policy provides excellent coverage, protecting your healthcare costs; cancellation or curtailment
of your holiday; loss or damage to your personal items and money; personal accident cover; and more.
Benefits can also be further tailored to provide the following:
Winter Sports Package
21 days cover per year against the loss, damage or theft of your ski equipment; cover
for replacement equipment hire if your own is damaged or delayed in transit; the
unused portion of passes, equipment hire and tuition fees in the event of your illness
or injury; Piste Closure; Delay due to avalanche.
Business Equipment Package
Cover for the loss, damage or theft of your Business Equipment; cover for
replacement Business Equipment hire if your own is damaged or delayed in transit;
loss, theft or damage to Business Money.
Golf Equipment Package
Cover for the loss, damage or theft of your Golf Equipment; cover for replacement
Golf Equipment hire if your own is damaged or delayed in transit; the unused portion
of green fees, equipment hire and tuition fees in the event of your illness or injury.
Buy your cover online now at www.expatriatehealthcare.com
Travel Insurance
Instant Cover
Comprehensive Protection
No Maximum Trip Limit
Winter Sports Option
Golf Cover Option
Business Equipment Option

Schedule of Benefits, Limits and Excesses
BENEFITS LIMITS EXCESSES
A Cancellation & Curtailment Up to €3,000 €45 (€25 loss of deposit)
B Emergency Medical and other expenses Up to €2,000,000 €45
including emergency assistance services
C Hospital Benefit €15 per day up to €200 N/A
D Personal Accident Max Benefit €10,000 N/A
Loss of Limbs or Sight €10,000 (aged under 65)
Permanent Total Disablement €10,000 (aged under 65)
Death Benefit €5,000 (aged 18 - 64)
All Benefits €1,000 (aged under 18)
E Baggage, Baggage Delay and Passport Up to €1,000 €75
Single Item Limit €200
Valuables Limit in total €300
Unreceipted Items Limit Up to €300
Unreceipted Single Item Limit €75
Replacement Passport Up to €200 N/A
Delayed Baggage Up to €200 (€50 per 12 hours)
F Personal Money Up to €200 €45
Cash Limit €200
Cash (aged under 18) €50
G Personal Liability Up to €1,000,000 €250
H Delayed Departure €10 per 12 hour period N/A
Up to €100
I Holiday Abandonment Up to €3,000 €45
J Missed Departure Up to €250 €45
K Catastrophe Cover Up to €500 €45
L Overseas Legal Expenses and Assistance Up to €5,000 €300
Winter Sports cover available upon payment of an additional premium and shown on validation certificate
(Limited to 21 days per policy)
M1 Ski Equipment
Owned Up to €300 €45
Hired Up to €300
M2 Ski Hire €25 per day up to €300 N/A
M3 Ski Pack €50 per day up to €300 N/A
M4 Piste Closure €25 per day up to €300 N/A
M5 Delay Due to Avalanche Up to €300 €45
Business cover available upon payment of an additional premium and shown on validation certificate
N1 Business Equipment Up to €1,500 €45
Computer Equipment Single Item Limit €750
Samples Limit €400
Delayed Business Equipment €100 per day up to €500 N/A
Emergency Courier of Essential Business Equipment Up to €400 €45
N2 Business Equipment Hire €100 per day up to €500 N/A
N3 Business Money Up to €500 €45
Cash Limit €200
Golf cover available upon payment of an additional premium and shown on validation certificate
O1 Golf Equipment Up to €1,000 €45
O2 Golf Equipment Hire €50 per day up to €250 N/A
O3 Non Refundable Golfing Fees €50 per day up to €250 N/A
Benefit Schedule
Worldwide travel insurance for residents of the EU.

Providing financial security for your family’s future
A death in the family is a terrible event with which to have to come to terms. But what if that death
occurs to one of the main income providers? Such a loss can have an even more significant effect on
those left behind.
Level Term Life Insurance
Level term life insurance protects your family from the financial loss that they would suffer in the
event of your death. The policy pays a lump sum, as determined by you at the outset, in the event of
your death occurring during the term of the insurance.
Level term life insurance provides cover for a fixed annual premium for the duration of the cover and
you can select cover for a term of 1 to 10 years. The sum insured remains ‘level’ for the period of cover
(it is not a reducing amount as provided for by some policies) so the full amount of the sum insured
would be payable regardless of when a death occurred during the cover.
A couple may also choose to obtain cover on a dual life, first death basis. Providing protection against
the death of both parties, with the sum being payable to the other in the event of a claim, or other
nominated grantee.
Indication of Premium
What to do next
For an indication of how much Level Term Life will cost you, please contact one of our advisors on +44
(0) 20 3195 7481 or go to www.expatriatehealthcare.com/term-life.htm to obtain an instant and free
online quote.
Expatriate Healthcare’s level term life insurance, designed with expats in mind, is underwritten at
Lloyd’s of London.
Term Life Insurance
Comprehensive ‘any cause’
Cover
1-10 Year Cover Term
Worldwide Protection
Underwritten @ Lloyd’s
of London
Fixed Premiums
Designed with Expats in mind
Age Female Male
35 €135 €135
45 €135 €175
55 €278 €433
Premiums shown assume 1 year term. Premiums shown are annual. Premiums shown exclude taxes and levies.
Premiums shown are based on a non-smoker resident in the EU.

Financial peace of mind for when you’re unable to work
Income Replacement Insurance protects you and your family by providing you with a lump sum payment
if you can no longer attend your normal occupation due to accident or illness. The policy can be extended
to provide you with a weekly benefit if your time away from work is likely to only be temporary.
Permanent Disability Insurance
What would you do if an accident or illness permanently stopped you from being able to attend your
normal occupation? What alternative occupations are accessible? What would happen to your earning
potential?
Expatriate Healthcare’s income replacement insurance pays you a lump sum in the event that you are
unable to attend your normal occupation due to an accident or an illness – securing the financial future
for you and your family.
Permanent Total Disability benefits are available up to ten times your normal gross annual salary, for
people aged between 18 to 65 years of age.
Accidental Death
Your death is likely to have an affect on your family beyond the physical loss that is endured; the
financial loss of the death of a primary wage earner is difficult to appreciate. A lump sum payment,
decided by you at the outset of the policy, is paid to your designated grantee, affording your family
with financial security in the event of your death. Cover is available for 18 – 65 year olds, with an
amount payable of up to 10 times your gross annual salary.
Temporary Total Insurance
You don’t have to be permanently disabled to suffer a financial loss. Long term disability through
accident or illness is likely to affect your income and your ability to pay your bills.
Expatriate Healthcare Temporary Total Disability cover provides a number of choices to allow you to
tailor cover to match your own personal circumstances. Benefits are payable weekly and are calculated
based on your net weekly salary when the cover is purchased. Benefit payments can start from as soon
as your 14th day of disability; payable for up to 2 years.
The weekly benefit payments provide you with the peace of mind to know that, when you can’t work
through accident or illness, you will still be able to continue to meet your financial commitments.
For a free, no obligation and instant quotation, visit us online at
www.expatriatehealthcare.com. Click the tab for Income Replacement!
Income Replacement Insurance
Usual Occupation Cover
Lump Sum for Accidental Death
Lump Sum for Permanent Disability
Weekly Benefit for
Temporary Disability
Underwritten @ Lloyd’s of London
Designed with Expats in mind

Third Floor
36-38 Botolph Lane
London EC3R 8DE
United Kingdom
t +44 (0)20 3195 7481
f +44 (0)870 428 5141
e info@exphealth.com
Insurance products from Expatriate Healthcare:
International Healthcare
Regional Healthcare
Travel
Term Life
Income Replacement
For an instant and free online quotation, visit us at
www.expatriatehealthcare.com

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