Terms & Conditions
Here are the key terms and conditions for Expat Healthcare 360 international medical insurance. Please read them carefully so you understand how the cover works, what the policies include, and where to ask us for help.
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Expat Healthcare 360 cover is designed for people living and working internationally. The policy is portable across eligible countries and is intended to support treatment outside the USA unless your final policy documents say otherwise.
If you live in the USA, travel there for an extended period, or expect treatment in the USA, please ask us before applying. USA treatment usually requires a specific travel or local insurance arrangement.
For claims and emergency support, assistance is available across time zones so you can get guidance on treatment, documents, and next steps when something goes wrong abroad.
Coverage Benefits
The exact cover depends on the plan level you choose, your application answers, underwriting, and the final policy schedule. The points below summarise the main benefit families shown across this website.
Inpatient Benefits
Hospital admission, surgery, intensive care, diagnostics, and eligible specialist fees are the core of every cover level.
Outpatient Benefits
Selected tiers include consultations, medication, tests, scans, physiotherapy, and follow-up treatment without a hospital admission.
Wellbeing Benefits
Higher tiers can include preventive checks, vaccinations, optical support, and routine health management.
Dental Benefits
Dental support varies by tier, from emergency-only benefits through to broader dental treatment on the highest plan.
Global Security Benefits
Global Security Benefits are included on all plan tiers, with limits varying by cover level. This is a built-in benefit rather than a separate paid add-on.
Psychology Benefits
Psychology benefits are included on all plan tiers, with session limits varying by cover level. They are a core benefit, not a separate paid add-on.
International Assistance Benefits
All levels include practical assistance, claims guidance, and direct billing support where providers participate.
Evacuation & Repatriation Benefits
Global evacuation and repatriation can be selected during the quote journey for a fixed annual cost per insured person. It is intended for serious medical situations where appropriate care is not available locally.
The assistance team decides whether evacuation is medically necessary, where treatment should happen, and which transport is appropriate. Always contact assistance before making arrangements unless it is impossible in an emergency.
Policy Wording
Your certificate, benefit table, underwriting notes, and full policy wording are the legal documents that govern your cover. Website summaries help you compare options, but the final policy wording takes priority.
Before you rely on cover, check your dates, insured people, selected plan, exclusions, waiting periods, payment terms, and any special conditions added during underwriting.
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Policy Wording - Definitions
Definitions explain the precise meaning of terms used in your insurance documents. They may define medical necessity, eligible treatment, pre-existing conditions, emergency treatment, inpatient care, outpatient care, evacuation, and similar phrases.
If a defined term is used in your schedule or benefit table, read it together with the definition before assuming a treatment is covered.
Policy Wording - Conditions
Policy conditions explain what you must do to keep cover valid and how claims are handled. They include eligibility, accurate disclosure, premium payment, treatment authorisation, claim evidence, and the period of cover.
Policy
The policy is issued by the insurer named in your documents. Expat Healthcare 360 acts as a distributor and support point, not the underwriter.
Language
Communications and policy documents are normally provided in English unless an alternative is confirmed.
Tax
You are responsible for understanding any tax or legal obligations that apply where you live or are resident.
Eligibility for Cover
Eligibility depends on your age, residence, travel pattern, health information, and the insurer's underwriting rules.
Termination of Cover
Cover may end if premiums are unpaid, eligibility changes, material facts were not disclosed, or the policy period expires.
Certificate of Insurance
Your certificate confirms the insured people, dates, selected plan, and any special terms.
Claim Adjudication
Claims are reviewed against the policy wording, medical evidence, invoices, and any pre-authorisation requirements.
Applicable Law
The governing law and dispute process are set out in the final policy documents.
Policy Wording - Exclusions
Exclusions are treatments, circumstances, or costs that are not covered. Common exclusions may include undisclosed pre-existing conditions, treatment outside eligible regions, cosmetic procedures, non-medically necessary care, unapproved evacuation, and claims without required evidence.
Some exclusions or waiting periods may be specific to your application. Always check the underwriting notes and final schedule before arranging treatment.
Summary
Use this page as a practical guide, then rely on the final policy documents for the binding terms. If anything is unclear, contact Expat Healthcare 360 before you apply or before treatment begins.
Need clarification?
Send us your question and we will point you to the right policy wording or help you choose a cover level.