International Expat Healthcare Plans

Moving and living abroad can be challenging. You can rely on our experienced team of professionals to take care of your health, so that you can enjoy the expatriate experience.

Why choose IPH?

Three levels of cover per plan, from basic to comprehensive
Emergency medical evacuation included for all members
Backed by an insurance giant – underwritten by certain underwriters at Lloyd’s
No waiting period except for maternity/newborn cover
Multi-lingual Medical Assistance Centre open 24/7

Here’s a comparison of our main healthcare policies:


PLAN TYPES	ELITE PLAN	SUPREME PLAN
For residents	of Asia	Worldwide*
Key Features	• Our most popular plan	• Higher benefit limits
	• Highly competitive rates	• Good prices for families
	• Available in US dollars	• Available in US dollars, Pound Sterling, Euros

*Where Lloyd’s is licensed to insure you

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“Thank you IPH for always being there for me and my parents and taking such good care of them. “You always go out of your way to help and give your 100% to make sure all formalities are well taken care of on time and even sometimes ahead of time.”
— Rakhee Melwani, India

“Thank you IPH for always being there for me and my parents and taking such good care of them.

“You always go out of your way to help and give your 100% to make sure all formalities are well taken care of on time and even sometimes ahead of time.”

— Rakhee Melwani, India


IPH ADVANCE PLANS Policy features and benefits limit	A BRONZE £	B SILVER £	C GOLD £
Total Policy limit per person per policy year	£1,500,000	£1,750,000	£2,000,000
In-Patient Cover:
Hospital Services: (medical treatment/services ordered by a physician)	+Full Refund	+Full Refund	+Full Refund
Room and Board**	+Full Refund #	+Full Refund #	+Full Refund #
Intensive Care Unit**	+Full Refund	+Full Refund	+Full Refund
Day-Care Treatment	+Full Refund	+Full Refund	+Full Refund
In-Patient Psychiatric Treatment	+Full Refund (Max 30 days)	+Full Refund (Max 30 days)	+Full Refund (Max 30 days)
Parent Accommodation	+Full Refund	+Full Refund	+Full Refund
External Prosthetic Devices	£2,000	£3,000	£4,000
Daily Cash Benefit for use of public hospital	£250	£250	£250
Out-Patient Cover:
General & Specialist Out-Patient Services	-	+Full Refund*	+Full Refund*
Pathology, Radiology and Diagnostic Tests	-	+Full Refund*	+Full Refund*
Prescribed Drugs and Dressings	-	+Full Refund*	+Full Refund*
Post Hospitalisation Treatment	£2,500	+Full Refund*	+Full Refund*
Acupuncture & Specialist Herbal Treatment	-	-	+Full Refund*
Other Benefits:
Cancer Treatment	+ Full Refund (In-Patient only)	+Full Refund	+Full Refund
Organ Transplant (heart, lung, kidney, liver or bone marrow)	£150,000	£200,000	£250,000
Emergency Medical Evacuation	+Full Refund	+Full Refund	+Full Refund
• Accommodation Expenses for companion	£75 per day Max 15 days)	£100 per day (Max 15 days)	£125 per day (Max 15 days)
Nursing at home - full refund up to	+4 Weeks	+8 Weeks	+26 Weeks
Hospice & Palliative Care (lifetime limit)	£25,000	£30,000	£50,000
HIV & AIDS Treatment (Max 6 years)	£6,000	£6,000	£6,000
Local Ambulance Services	+Full Refund	+Full Refund	+Full Refund
Complications of Childbirth	-	†£1,300	See below
Routine Maternity Care and Childbirth	-	-	†£4,000
Newborn Care	-	†£1,000 (first 14 days)	†£4,000 (first 14 days)
Rehabilitation Treatment	£3,000	£6,000	£10,000
Medical Aids (wheelchairs, knee braces or crutches)	£500	£750	£1,000
Emergency Dental Treatment following accident	£2,000	£3,000	+Full Refund
Accident & Emergency Department	+Full Refund	+Full Refund	+Full Refund
Innocent Bystander in Terrorist Incident	£30,000	£30,000	£30,000
Compassionate Home Visit	+Full Refund	+Full Refund	+Full Refund
Local Burial or Cremation	£7,500	£10,000	£12,500
Repatriation of Mortal Remains	£7,500	£10,000	£12,500
Permanent Total Disability	-	-	£10,000

International Expat Healthcare Plans

Moving and living abroad can be challenging. You can rely on our experienced team of professionals to take care of your health, so that you can enjoy the expatriate experience.

Why choose IPH?

“Thank you IPH for always being there for me and my parents and taking such good care of them.

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