Group International Health Plan

Comprehensive international health insurance solutions for companies with employees working on assignments abroad.

We deliver comprehensive and dynamic international health insurance solutions to suit your global needs when it comes to providing first class medical cover for employees working abroad.

Who is this policy designed for ?

Businesses looking to provide private medical cover for employees working overseas.

Key features

  • A range of solutions to meet all budgets and benefit requirements.
  • Cancer and Chronic medical conditions covered in full.
  • Passive war cover included as standard.
  • Medical History Disregarded underwriting for groups of 10+ employees.
  • Prompt claims settlements within 5 working days.
  • Red24 security services included at no additional cost.
  • Bloodcare Foundation membership included at no additional cost.
  • Best Doctors Second Medical Opinion Service included at no additional cost.

Benefits

 
International
International Plus
Executive
Executive Plus
Overall Aggregate Limit each Certificate period
£1,000,000
$2,000,000
€1,500,000
£1,000,000
$2,000,000
€1,500,000
£1,000,000
$2,000,000
€1,500,000
£1,000,000
$2,000,000
€1,500,000
PRE-AUTHORISATION IS REQUIRED FOR ALL CLAIMS WHERE THE COSTS ARE LIKELY TO EXCEED £2,500/$4,250/€3,500 AND FOR ALL CLAIMS UNDER BENEFITS MARKED*. IF PRE-AUTHORISATION IS NOT OBTAINED, A PENALTY OF £1,000/$1,700/€1,400 WILL BE DEDUCTED FROM YOUR CLAIM SETTLEMENT.

Inpatient Treatment Benefits

 
 
 
 
 
Hospital Services*
Accommodation and meal charges
All inpatient treatment ordered by a Physician, Surgeon and Anaesthetist fees
Intensive care unit charges
Full Refund
Full Refund
Full Refund
Full Refund
Hospital Cash benefit*
Where Inpatient Treatment is provided free of charge
£250/$500/€375 per night
Max 30 days
£250/$500/€375 per night
Max 30 days
£250/$500/€375 per night
Max 30 days
£250/$500/€375 per night
Max 30 days
Parental Accommodation
Where an insured child up to age 17 years is an Inpatient
Full Refund
Full Refund
Full Refund
Full Refund
Daycare Treatment
Where a period of recovery is required in a hospital bed
Full Refund
Full Refund
Full Refund
Full Refund
Inpatient Psychiatric Treatment*
Pre-authorised treatment in a psychiatric unit- available after one year of cover
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Reconstructive Surgery
To restore appearance/function following an accident/illness that occurred whilst covered under your plan.
Full Refund
Full Refund
Full Refund
Full Refund
Accident and Emergency Room Treatment
Full Refund
Full Refund
Full Refund
Full Refund
Organ and Bone Marrow Transplant and Stem Cell Treatment*
For kidney, heart, heart-lung, liver, bone marrow and stem cell. Acquisition and donor costs are excluded.
Up to £100,000/$200,000/ €150,000
Up to £100,000/$200,000/ €150,000
Up to £100,000/$200,000/ €150,000
Up to £200,000/$400,000/ €300,000
Internal Prostheses, Medical Aids and Devices
Which are required intra-operatively
Full Refund
Full Refund
Full Refund
Full Refund
Hospice Care
Palliative care in a hospice
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Local Road Ambulance Services
Full Refund
Full Refund
Full Refund
Full Refund

Post Hospital Treatment Benefits

 
 
 
 
 
Post Hospital Treatment
Consultations and treatment received within 90 days of receiving Inpatient care
Up to £500/$1,000/€750
Covered under Outpatient Services
Covered under Outpatient Services
Covered under Outpatient Services
Rehabilitation Care
To restore health and mobility after injury and illness
£100,000/$200,000/ €150,000
lifetime limit
£100,000/$200,000/ €150,000
lifetime limit
£100,000/$200,000/ €150,000
lifetime limit
£200,000/$400,000/ €300,000
lifetime limit
External Prostheses, Medical Aids and Devices
which are medically required following Inpatient care,
Daycare Treatment or Accident and Emergency Room treatment
Up to £250/$500/€375
Up to £500/$1,000/€750
Up to £750/$1,500/€1,125
Up to £1,000/$2,000/ €1,500

Cancer Treatment

 
 
 
 
 
Oncology, Chemotherapy and Radiotherapy
Treatment, consultations and diagnostics received under Inpatient Care, Day Treatment or Outpatient Services
Full Refund
Full Refund
Full Refund
Full Refund
Cancer counselling
Following a cancer diagnosis with a registered psychologist/counsellor
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500
Artificial Hair Benefit
Wig costs, available following cancer treatment
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500
Up to £1,000/$2,000/ €1,500

Emergency Medical Evacuation Benefits

 
 
 
 
 
Emergency Medical Evacuation*
Evacuation costs for acute medical conditions where local medical facilities are inadequate
Full Refund
Full Refund
Full Refund
Full Refund
Emergency Medical Evacuation – Supplementary Expenses*
Costs of travel to return to place of origin
Hotel accommodation costs for companion
Taxi costs for companion
Accommodation Costs following Inpatient Care
Economy air ticket up to 12 nights
Up to £500/$1,000/€750
Up to 7 nights
Economy air ticket up to 12 nights
Up to £500/$1,000/€750
Up to 7 nights
Economy air ticket up to 12 nights
Up to £500/$1,000/€750
Up to 7 nights
Economy air ticket up to 12 nights
Up to £500/$1,000/€750
Up to 7 nights
Emergency Non-Medical Evacuation*
Evacuation to a safe location in the event of life-threatening situations resulting from political or civil unrest.
Evacuation to a safe location in the event of a natural disaster.
Full Refund
Full Refund
Full Refund
Full Refund
Compassionate Home Travel*
in the event of death of a close family member, available after one year of cover
One return economy air ticket
One return economy air ticket
One return economy air ticket
One return economy air ticket
Repatriation or Local Burial*
where death occurs outside the Home Country not available to applicants aged over 65
Up to £7,500/$15,000/ €11,250
Up to £7,500/$15,000/ €11,250
Up to £10,000/$20.000/ €15,000
Full Refund

Outpatient Treatment Benefits

 
 
 
 
 
MRI CT and PET Scans
Full Refund
Full Refund
Full Refund
Full Refund
Hormone Replacement Therapy
When not related to menopause
Full Refund
Full Refund
Full Refund
Full Refund
Outpatient Services
General Physician fees
Specialist and Consultant fees
Prescription Drugs
X-Rays, diagnostic and pathology tests
Physiotherapy up to 20 sessions
Complementary Therapies
Osteopathy, Chiropractic, Homeopathy and Acupuncture
Not Covered
Full Refund
£50/$100/€75 excess per claim#~
Full Refund
£50/$100/€75 excess per claim#~
Full Refund
£50/$100/€75 excess per claim#~
Chinese Medicine
Consultations and prescriptions provided by a registered Chinese Medicine Practitioner
Not Covered
Not Covered
Up to £200/$400/€300
20% co-insurance
Up to £200/$400/€300
20% co-insurance
Outpatient Psychiatric Treatment
when referred by a Physician, available after one year of cover
Not Covered
Not Covered
Not Covered
Up to £750/$1,500/€1,125
20% co-insurance
Nursing at Home
when prescribed by a Physician
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks

Dental Care Benefits

 
 
 
 
 
Dental Treatment following Accident
to restore or repair sound natural teeth
Full Refund
Full Refund
Full Refund
Full Refund
Routine Dental Treatment
Not Covered
Not Covered
Up to £500/$1,000/€750
20% co-insurance
Up to £750/$1,500/€1,125
20% co-insurance

Maternity Care Benefits

 
 
 
 
 
Normal Pregnancy and Childbirth
available after ten months of cover
Not Covered
Not Covered
Up to £5,000/$10,000/ €7,500
per pregnancy
Up to £10,000/$20,000/ €15,000
per pregnancy
Complicated Pregnancy and Childbirth
available after ten months of cover
Not Covered
Not Covered
Up to £10,000/$20,000/ €15,000
per pregnancy
Up to £25,000/$50,000/ €37,500
per pregnancy
Newborn Care
applicable when a newborn child is enrolled within 14 days
Up to £5,000/$10,000/ €7,500
Up to £5,000/$10,000/ €7,500
Up to £5,000/$10,000/ €7,500
Up to £10,000/$20,000/ €15,000
Congenital Conditions and Birth Defects
When diagnosed within one year of birth
Not Covered
Not Covered
Not Covered
Up to £25,000/$50,000/ €37,500
Lifetime limit

Well Being Care Benefits

 
 
 
 
 
Routine Health Screening
Preventative health checks available after one year of cover
Not Covered
Not Covered
Up to £300/$600/€450
20% co-insurance
Up to £300/$600/€450
20% co-insurance
Vaccination Benefit
Childhood and travel-related vaccinations
Up to £200/$400/€300
Up to £200/$400/€300
Up to £200/$400/€300
Up to £200/$400/€300
Optical Care
Eye testing and the cost of lenses to correct vision available after one year of cover.
Not Covered
Not Covered
Not Covered
Up to £300/$600/€450
20% co-insurance

HIV/Aids Benefit

 
 
 
 
 
HIV/Aids Benefit
available after two years of cover
£10,000/$20,000/ €15,000
lifetime limit
£10,000/$20,000/ €15,000
lifetime limit
£10,000/$20,000/ €15,000
lifetime limit
£10,000/$20,000/ €15,000
lifetime limit

Chronic Conditions Care

 
 
 
 
 
Chronic Conditions Care
Covered within listed benefits
Covered within listed benefits
Covered within listed benefits
Covered within listed benefits

Out of Area Cover

 
 
 
 
 
Out of Area Cover
For emergencies or acute episodes of existing covered conditions
Max 60 days up to
£20,000/$40,000/ €30,000
Max 60 days up to
£30,000/$60,000/ €45,000
Max 60 days up to
£40,000/$80,000/ €60,000
Max 60 days up to
£50,000/$100,000/ €75,000

Additional Services

 
 
 
 
 
RED 24 Services
Included
Included
Included
Included
Blood Care Foundation
Included
Included
Included
Included
Best Doctors - Second Medical Opinion
Included
Included
Included
Included

# A claim is considered to be a course of treatment per diagnosed medical condition.
~ The International Plus, Executive and Executive Plus Plans can be further enhanced by paying an additional premium to remove the £50/$100/€75 excess per claim on the Outpatient Services benefit.

Competitive pricing

  • Premiums quoted in GBP, USD and Euro's.
  • Option to pay quarterly. A 5% administration fee applies to premiums paid in instalments.
  • Premiums can be reduced by up to 50% by applying a voluntary excess.
  • Renewal premiums increases held at an average of 5% over the last 3 years- a figure well below many competitors and medical inflation.

Practical information

  • Group terms available for companies with 3+ employees.
  • Cover for pre-existing and on-going medical conditions for companies with 10+ employees.
  • Bespoke plans available at request, subject to a minimum number of employees.
  • No medical questionnaire required for applicants up to age 64 years.

Associated services

  • A dedicated account executive assigned to your account.
  • Flexible approach applied to claims.
  • All fully documented claims reimbursed within 5 working days.
  • Multilingual support available 24 hours a day.
  • Direct settlements available for all inpatient hospital costs.
  • First class insurance security applied to all policies.
  • Highest service levels in the industry.

Group International Health Plan is a product of APRIL International UK - A British company registered in London (under number 7261287) and with the Financial Conduct Authority (under number 574454) whose headquarters are located at Minster House, 42 Mincing Lane, London, EC3R 7AE, United Kingdom 

This product is designed, administered and distributed by APRIL International UK and insured by either Catlin Insurance Company (UK) Ltd. or Catlin Underwriting Agencies Limited. The services are designed and distributed by APRIL International UK.

A range of solutions to meet all budgets and benefit requirements