ExpaCare - International Medical Insurance

ExpaCare - International Medical Insurance with a difference!


ExpaCare: Your Trusted Global Health Insurance Provider for Over 40 Years

With a legacy spanning more than four decades, ExpaCare stands as one of the world’s most established global health insurance providers. In a dynamic international healthcare market, ExpaCare has not only weathered the changes but thrived, providing clients with unwavering consistency and the assurance of reliable coverage.

Expacare’s commitment to understanding and addressing the unique needs of our members has been the cornerstone of our success. Through meticulous fine-tuning of our services and products, we ensure that you receive precisely the healthcare plan you need, at a price that aligns with your budget. This personalized approach, coupled with the peace of mind that comes from working with a seasoned insurance provider, is what sets ExpaCare apart.
At ExpaCare, they believe in the power of a personal touch. We recognize the immeasurable reassurance that quality healthcare insurance, coupled with a friendly voice on the other end of the phone, can provide – especially in times of crisis.

Our enduring presence in the industry is a testament to our unwavering commitment to high service standards. We are not chasing quick wins; instead, we aim to cultivate long-term relationships with our members. This commitment to quality service is underpinned by a diverse range of products tailored to meet the evolving needs of today.

Understanding the uniqueness of each member, we offer a series of flexible products that cater to a spectrum of international healthcare needs. Whether you are an individual or part of a group, ExpaCare is dedicated to ensuring that you receive the cover and service you both expect and deserve.

As proud members of the Association of International Medical Insurance Providers (AIMIP), we align with a philosophy that seeks to enhance the understanding of insurance products and services globally. AIMIP’s role as an industry advisory body further strengthens our commitment to excellence, providing guidance on product development, claims management, fraud prevention, regulatory issues, and training requirements.

Worldwide Health Insurance Plans

ExpaCare’s comprehensive range of flexible international plans is designed with you in mind, ensuring coverage that travels with you wherever you go. Tailor your chosen cover plan, from basic hospital coverage to more comprehensive options, including treatment for cancer, chronic illnesses, out-patient and family doctor services, maternity care, dental treatment, wellness, and optical care.

All the plans automatically include cover for emergency medical evacuation, offering peace of mind against unexpected events. For young travelers and students studying worldwide, ExpaCare Health Insurance offers specially curated plans with a range of benefits to cater to your unique needs.

Starting with the Core module, providing comprehensive cover benefits, you can customize your plan by adding optional benefits of your choice. From outpatient cover to mental health services, choose from different levels of coverage that suit your requirements.

Cancer & Chronic:

Tailor your coverage for cancer and chronic illnesses, with options to meet your specific needs.

Maternity Care:

Select from various levels of coverage for maternity benefits, including routine care, complications, emergency care, newborn care, and IVF treatment.

Dental, Wellness, Optical:

Customize your plan for routine and restorative dental care, wellness services, and optical care, including eye tests, prescription glasses, and contact lenses. At ExpaCare, they stand ready to be your unwavering partner in health, offering not just insurance but a commitment to your well-being that has stood the test of time.

Young Traveller Plan: Tailored Coverage for the Next Generation

For young globetrotters and students exploring the world, ExpaCare presents the Young Traveller Plan, offering two distinct levels of cover to meet the unique needs of the adventurous and ambitious. With the Young Traveller and Young Traveller Plus options, both plans provide a robust set of benefits to ensure comprehensive coverage wherever your journey takes you.

Benefits Included on Both Plans:

In-Hospital & Day-Patient: Coverage for hospitalization and day-patient treatments. Out-patient Surgery: Ensuring coverage for necessary outpatient surgical procedures. Emergency Medical Evacuation: Crucial protection against unexpected medical emergencies requiring evacuation.

Ambulance Services: Swift and efficient ambulance services to transport you to medical facilities. Dental Treatment following an Accident: Coverage for dental treatment resulting from accidental injuries.

CT, MRI & PET Scans: Access to advanced diagnostic scans for precise medical assessments. Cancer & Chronic Illness Lifetime Benefit USD 85,000: A lifetime benefit specifically designed for cancer and chronic illnesses, providing financial support up to USD 85,000.

Young Traveller PLUS: Enhanced Outpatient Coverage

For those seeking an extra layer of protection, the Young Traveller PLUS plan goes beyond the basics by including additional outpatient benefits. This coverage encompasses doctor consultations, prescription drugs, and physiotherapy, ensuring comprehensive healthcare for young individuals on the move.

Area of Cover: Worldwide (excluding USA, Bermuda, and all islands of the Caribbean)

Overall Policy Limits:

Young Traveller: USD 1,700,000
Young Traveller PLUS: USD 1,700,000

Key Features:

Freedom to Choose: Select your preferred doctor or medical facility for personalized care.
Emergency Case Management: 24/7 emergency case management by Healix Worldwide and Air Health International in South Africa.
Cancer and Chronic Lifetime Limit: Both plans offer a lifetime limit of USD 85,000 for cancer and chronic illnesses.

Plan Conditions:

Currency: US Dollars
Eligibility: Must be aged 12 to 24 years
Pre-existing Conditions: May be excluded.
Maternity: A ten-month waiting period applies.

ExpaCare’s Young Traveller Plan is not just insurance; it’s a passport to worry-free exploration for the next generation. Offering flexibility, choice, and peace of mind, our plans empower young individuals to embrace new horizons with confidence.

Table of Benefits

Policy Wording