International Health Insurance

Are you planning on travelling and/or working abroad? Don’t forget to take the right health insurance with you!

Our International Health/Medical Insurance policy is designed for individuals of any nationality who are living, travelling, or working outside of their home country on a temporary basis. If you are taking a trip overseas, for any period of up to a year, SJL Insurance Services can ensure you are covered worldwide*.

So, if you are unlucky enough to fall ill or have an accident requiring medical assistance, SJL can ensure you are taken care of as if you were in your home country. Unlike most standard international health/medical insurance policies, SJL can give you access to the best private medical facilities, wherever you are. Our policy is portable so even if your trip takes you to multiple countries, SJL can ensure you remain protected every step of the way.

Award Winning In-House Claims Team
Lloyds of London Commercial Broker
Independent Broker Since 2001

Having the correct insurance policy in place before you travel will save you time, money, and inconvenience. Instead of being patched up and sent home for further treatment, you will receive the best care available, and can continue your travel plans with minimal disruption.

At SJL we work with a leading healthcare provider to give our policy holders access to a range of international health/medical benefits including the following:

Medical Expenses

Hospital Services inclusive of the below – Full refund

Accommodation and meal charges
Inpatient treatment
Physician fees
Surgeon and anaesthetist fees
Intensive Care unit charges

Accident & Emergency Room Treatment
Full refund

Day Care Treatment
Full refund

Outpatient Services

GP, Specialist and Consultant fee
Prescription drugs and dressings
X-rays, diagnostic and pathology tests, including MRI, CT, and PET scans
Physiotherapy (up to five sessions)

Medical Evacuation & Repatriation

Emergency medical evacuation – Full refund
Local road ambulance – Full refund
Emergency non-medical evacuation – Full refund

Please note that the following policy terms apply:

The premium for the whole duration of your policy must be paid on, or before, the start date
Premiums can be paid in GBP, US Dollars, or Euros
A policy can be purchased for a minimum of one month up to a maximum of twelve months and can only be purchased in whole months. Policy extensions can be granted on request
Health/medical insurance policies are not designed to provide cover for medical conditions that have been in existence for two years immediately prior to the policy start date. Any medical conditions that are already in existence will not be eligible for cover unless you have purchased additional pre-existing condition cover
Your policy will automatically cancel if you are in your home country for a consecutive period of 30 days

*Excluding the USA and Caribbean.

International Health Insurance Frequently Asked Questions

What is international health insurance?

International health insurance is specialist medical cover designed for individuals, families, and employees living, working, or travelling abroad. It helps provide access to private healthcare, medical treatment, hospital care, and emergency support worldwide.

Who needs international health insurance?

International health insurance is suitable for expatriates, business travellers, overseas workers, remote employees, digital nomads, and individuals relocating abroad. It is also valuable for companies with employees working internationally.

What does international health insurance typically cover?

International health insurance can include cover for inpatient and outpatient treatment, emergency medical care, hospital stays, specialist consultations, surgery, prescription medication, cancer treatment, mental health support, and medical evacuation depending on the policy.

Does international health insurance cover emergency medical treatment abroad?

Yes. Most international health insurance policies provide cover for emergency medical treatment overseas, including hospital admissions, ambulance transport, emergency surgery, and urgent medical care while outside your home country.

What is medical evacuation cover?

Medical evacuation cover helps arrange and pay for emergency transport to the nearest suitable medical facility or repatriation to your home country if adequate treatment is not available locally. This is particularly important for individuals working in remote or high-risk regions.

Can international health insurance cover pre-existing medical conditions?

Some international health insurance providers may offer cover for pre-existing medical conditions, depending on the condition, underwriting assessment, and policy terms. In some cases, exclusions or additional premiums may apply.

Is international health insurance different from travel insurance?

Yes. Travel insurance is generally designed for short trips and emergency situations, while international health insurance provides longer-term medical cover for people living or working abroad. International policies often include more comprehensive healthcare benefits and ongoing treatment cover.

Can businesses provide international health insurance for employees?

Yes. Many employers offer international private medical insurance as part of employee benefits packages for staff working overseas. Group policies can help businesses support employee wellbeing while ensuring access to quality healthcare abroad.

How much does international health insurance cost?

The cost of international health insurance depends on factors such as age, destination country, level of cover, medical history, policy excess, and whether additional benefits such as dental or maternity cover are included.

Why is international health insurance important?

Healthcare costs can be extremely expensive in some countries, and access to quality treatment may vary significantly. International health insurance provides financial protection, access to private healthcare, and peace of mind for individuals and businesses operating overseas.

Get a International Health Insurance quote for the cover you need,
and have peace of mind knowing that you're protected.