Types of International Medical Insurance

International medical insurance can be broken down into two main categories: travel insurance and expatriate medical insurance.

Travel Insurance

Cover for short-term trips (under 12 months) overseas. Travel insurance comes in four formats:

1. Travel Medical Insurance
2. Trip Cancellation Insurance
3. Medical Evacuation Insurance
4. Flight Accident Insurance

For a more in depth definition of each type of travel insurance, click on the links above.

Expatriate Medical Insurance

Major medical cover for long-term stays overseas (over 12 months).   

Many expatriates live permanently abroad and require comprehensive cover for their global lifestyles.

Some Expat medical insurance policies are also available to local nationals who would like the right to seek treatment anywhere in the world.

A solid policy should contain annually renewable coverage (irrespective of medical condition), hospitalization, outpatient treatment, transplant cover and medical evacuation.  

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