Expatriate Healthcare health insurance for expats in Asia
Expatriate Healthcare is a value-focused international private medical insurance (IPMI) provider with a four-plan range that starts lean. IPMIAsia explains the plans, what each covers, how moratorium underwriting works, the pre-authorisation rules, and how the plan fits an expat in Asia.
- Primary is inpatient-focused; Primary+ Lite adds capped outpatient, while Primary+ and Select include full outpatient cover.
- Conditions from the two years before joining are excluded at first and become covered after two continuous treatment-free, symptom-free years.
- Planned inpatient treatment should be pre-approved at least 7 days before a non-emergency admission.
- The area of cover is confirmed at quote, so ask whether the USA can be excluded and whether regional hubs are inside it.
Four plans from lean to comprehensive
Expatriate Healthcare is built for people who want solid international cover without a top-tier price. The range runs from an inpatient-focused entry plan to a comprehensive option, so you match the cover, and the premium, to what you will actually use. Cover is underwritten by Gen Re / Guardrisk, and every plan is available in three currencies.
| Plan | Position |
|---|---|
| Primary | Inpatient-focused; the budget entry point |
| Primary+ Lite | Adds capped outpatient cover |
| Primary+ | Comprehensive, with full outpatient |
| Select | The most comprehensive tier |
All plans are available in USD, EUR or GBP, with benefit limits in the matching currency. Exact limits and your area of cover are confirmed at quote.
What is covered
- Hospital and surgery (all plans): private room, surgeons, anaesthetists, theatre, specialist and nursing fees, and intensive care, at full refund.
- Outpatient: full outpatient cover (GP, specialist, diagnostics including MRI, CT and PET, oncology, physiotherapy) on Select and Primary+; capped on Primary+ Lite; Primary is inpatient-led.
- Evacuation (all plans): emergency medical transport and local ambulance at full refund, with companion travel and accommodation benefits.
- Other: accidental emergency dental on all plans; organ-transplant cover with a limit that scales by plan; HIV/AIDS cover on Select, Primary+ and Primary+ Lite.
Moratorium underwriting: no medical questions
Expatriate Healthcare uses moratorium underwriting, which keeps the application simple: there are no medical questions when you apply. The trade-off is in how pre-existing conditions are treated.
- Any condition you had, or were treated or advised on, in the two years before joining is automatically excluded at the start.
- Each of those conditions becomes covered once you have gone two continuous years treatment-free and symptom-free for it after joining.
- Genuinely new conditions that arise after you join are covered from day one.
It is a clean, low-friction way to get covered if your recent health has been stable. If you have an ongoing condition that needs regular treatment, a moratorium will keep excluding it, and an insurer that offers full medical underwriting may be able to accept it on declared terms instead. Our pre-existing conditions guide compares the two approaches.
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Claims and pre-authorisation
- Planned inpatient treatment should be pre-approved as soon as reasonably possible, and at least 7 days before a non-emergency admission.
- Emergencies and evacuation are covered on every plan. Emergency transport moves you to the nearest appropriate facility, with accompanying-family travel benefits.
- Plans are serviced in your chosen currency (USD, EUR or GBP), which avoids exchange friction on claims.
Expatriate Healthcare for expats in Asia
The area of cover is confirmed at quote, so the first question for anyone in Asia is whether the USA can be left out and whether the area you are offered covers the countries you move between. For a family in Vietnam, Indonesia or the Philippines, that usually means asking whether treatment in a regional hub such as Singapore or Bangkok is inside the area, since a serious case in a lower-cost country is often treated there. Our guide to regional versus worldwide cover in Asia sets out how to think about that.
Evacuation at full refund on every plan, including the entry-level Primary, is the feature most relevant to the region. In a country where the nearest suitable hospital for a complex case may be in another country, evacuation and companion travel are not extras; they are the core of what a lean plan needs to do. The currency choice is a second practical point: US dollars line up with most of the Asian market, while a British or European family paid in sterling or euros can hold the plan and claim in their own currency.
The moratorium basis suits people whose recent health has been stable and who want a quick application. IPMIAsia includes Expatriate Healthcare in its whole-market comparison through Nomi, so the lean Primary plan can be set against both the rest of the value end of the market and the comprehensive plans above it.
Relevant country pages: Vietnam, Indonesia, the Philippines, Thailand, Malaysia, Singapore, Hong Kong and Japan.
Who Expatriate Healthcare suits
A strong fit if you are price-conscious and want dependable cover for what really matters, hospital treatment and emergency evacuation, without paying for a top-tier comprehensive plan. The choice of USD, EUR or GBP is useful if you are paid or billed in one of them, and the moratorium application is quick if your recent health has been stable.
Worth comparing if you want extensive routine outpatient, dental and maternity as standard, the very highest benefit limits, or you have an ongoing condition that a moratorium would keep excluding. Browse all insurers or read the cost guide for Asia.
Frequently asked questions
Who underwrites Expatriate Healthcare?
What is the cheapest Expatriate Healthcare plan?
Is medical evacuation included?
Do I need a medical exam to apply?
Which currencies can I be covered in?
Can I exclude the USA if I live in Asia?
Expatriate Healthcare against the whole market
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This page is general information, not personal or medical advice, and is based on Expatriate Healthcare plan documentation; exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. Expatriate Healthcare and related names and logos are the property of their respective owners.