Expat Medical Insurance
Put your health first with a private medical insurance plan.
An expat medical insurance plan covers the cost of treatment and provides access to quality healthcare wherever life takes you.
Why expats need medical insurance
In 2024, around 517,000 people left the UK, including 77,000 British nationals. Many expats quickly discover that healthcare overseas is often a world apart from what they knew at home.
In some countries, public health services are unavailable, and private treatment can quickly become costly without insurance. Depending on the country, you may also face long waiting times for treatment or limited access to private hospitals.
Expat medical insurance gives you and your loved ones peace of mind with access to quality care, prompt treatment, and financial security against high medical bills. Our policies keep you protected, wherever life takes you.
Why choose Holborn for expat medical insurance?
Living overseas comes with unique challenges, so it helps to get advice from people who really understand what expats go through.
At Holborn, we focus on helping expats. We understand the issues you might face when moving abroad and know how to help you handle them. Here’s why many expats choose us:
Specialists
We specialise in international medical cover designed to move with you, wherever you go.
Independent
Unlike some other companies, we are not tied to a single provider, meaning we can help you find the right plan for your needs.
Flexible options
Private health plans for individuals and families.
What we offer
Individual medical insurance
Individual plans cover just you, but some policies let you make changes and add others if you need to.
Joint medical insurance
Joint plans work like individual ones but cover two people. This can be more affordable than having two separate insurance policies.
Family medical insurance
Works the same as regular medical insurance, but all of your family is covered under one policy. These plans typically allow you to include immediate family members, such as your spouse and children.
Group medical insurance
A group medical insurance plan covers healthcare for a group of people. It is often bought by companies to cover their employees.
To learn more about group medical insurance or get a quote, click here.
Key benefits of expat medical insurance
Coverage
Comprehensive care including diagnostics, therapies, and medications.
Portability
Your plan works outside your home country, so you stay covered wherever you move.
Access
You can access private hospitals and specialists.
Reduced waiting times
Get quicker access to private healthcare, including tests and planned treatments.
How does expat medical insurance work?
Get a quote
Compare plans and find one that fits your needs.
Choose a plan
Select the type of plan, level of cover, and any add-ons.
Start your policy
Pay your premiums to activate and maintain your policy.
Access care
Receive treatment or care at approved clinics or hospitals worldwide.
Make a claim
Submit a claim to your insurer to claim back the cost of care or treatment.
Global health cover when you need it
Don’t leave your health to chance. Expat medical insurance provides the cover you need, no matter where you are in the world.
Expat medical insurance FAQs
It depends on your chosen plan. Policies typically cover hospital treatment, specialist consultations, diagnostics, and outpatient care. Most private healthcare insurance covers cancer treatment, and more comprehensive plans also offer mental health cover.
The price of health insurance can change based on a few things, such as:
- Your age
- The type of policy
- The level of cover
- Your medical history
Talk to our team to get a medical insurance quote that matches your situation.
Yes. Standard health insurance plans only cover you in the UK. Our medical insurance plans are made for people living around the world. You will have the coverage you need both in your country of residence and when you travel.
Health insurance usually covers medical issues that happen after your policy’s start date. You can still get a policy, but pre-existing or some chronic conditions may not be included. Be sure to check the details before you buy.
At Holborn, we are independent. Talk to our experts, and we will help you compare different policies from top health insurance providers who focus on expat needs.
Most policies let you make changes, like adding people to your plan. We also offer special family medical insurance plans that cover your partner and children, allowing you to add or remove dependents as needed.