About

 

Currently run by Beverly Cook, Expacare Insurance company offer a level of support that few international medical insurance providers can match. They combine a reputation for providing a caring, responsive approach to customer care with excellent premiums to match.Expacare Health Insurance have been providing international medical insurance for expatriates and international travellers alike for over 15 years.

They give cover across the world and hold a suite of high quality medical insurance products that brings together high levels of benefits and service. Expacare Health’s wide choice of global health insurance plans and Expacare insurance services are designed to be flexible, allowing you to choose the best cover for you. The ability to make a policy bespoke to your needs and budget is a fantastic proposition that Expacare insurance offers.

Each Expacare member has the ability to deal with their own claims specialist straightaway. These people are medical insurance experts and will hold your hand through the entire claims process. This is provided through their specialist claims handler Helix. It is this interaction which has given Expacare a reputation for being an industry leader in servicing.

Expacare ltd helps to make the whole process of getting the very best medical treatment simple, no matter where in the world you may be living or working. An online claims service providing 24/7 claims support and pre-authorization, access to Expacare World, their dedicated online global Expacare network of carefully selected doctors and medical facilities across more than 175 countries worldwide (including Expacare Mauritius, Expacare Dubai, Expacare Hong Kong, Expacare Lebanon, Expacare Malaysia, and Expacare UK) mean you will take comfort in choosing Expacare ltd as your insurance provider.

 

Plans

 

What do Expacare Health Insurance Choices plans cover?

Expacare offers a host of attractive medical insurance policies that are competitively priced when it comes to both benefits and premium. The health insurance plan options available are Expacare Choices Standardcare, Expacare Choices Executivecare and Expacare Choices Specialcare.

 

Expacare Choices Standardcare

The Standardcare plans cover 100% inpatient and day-patient treatment benefits. However, their outpatient treatment coverage is limited. They do not cover the following benefits:

• Consultations and diagnostic services with doctors or specialists

• Monitoring and treatment of chronic conditions

• Out-patient psychiatric treatment

• Prescription drugs

• Vaccinations

• Hormone replacement therapy (HRT)

• Physiotherapy

• Occupational therapy

• Complementary therapies (acupuncture, chiropractic, homeopathy, kinesiotherapy and osteopathy)

• Dental treatment

• Wellness benefit

• Maternity care (routine)

• Maternity care (with complications)

• Treatment for birth defects and congenital conditions

• HIV and AIDS treatment

• Rehabilitation for alcohol and drug addiction

 

Expacare Choices Executivecare

The Executivecare plans additionally cover what the Standardcare plans do not provide coverage for except the following benefits which the former still do not cover:

• Dental treatment

• Wellness benefit

• Maternity care (routine)

• Maternity care (with complications)

• Treatment for birth defects and congenital conditions

• HIV and AIDS treatment

• Rehabilitation for alcohol and drug addiction

 

Expacare Choices Specialcare

The Specialcare plans offer comprehensive medical coverage for the aforementioned benefits that the Executivecare plans still do not cover.

 

 

Useful Info

On the whole, backed by Lloyd’s, Expacare Health Insurance Choices policies provide expatriates all over the world with access to a suite of from Expacare. As an Expacare Choices member, you will be offered the following benefits and services:

• 24/7 global support: Expacare’s global claims teams are multi-lingual so there is never a communication barrier. All are ready to deal compassionately with emergencies and non-emergencies and resolve the complex challenges which may arise when requiring medical support abroad.

• Lifestyle rewards: If you exercise regularly, drink responsibly and don’t smoke then we believe you should be rewarded accordingly. Their Lifestyle Rewards offer up to 25% discount on premiums for individual and family Plans.

• Medical evacuation and repatriation handled by CEGA, one of the world’s leading providers of medical and security assistance, travel risk and claims management services

• Efficient emergency services for expatriates in Sub-Saharan Africa. Health International Group, the parent company of Expacare, is in charge of Expacare’s own emergency system provider which is based in Johannesburg, South Africa.

If you need to submit a claim, you can get online access to Expacare Claim Form here