Make sure you're covered.
Flexicare Short-term International Health Insurance
Moving abroad for a few months?
Why should I get an international short-term insurance?
Short-term insurance covers most of your healthcare needs – day to day and emergencies - in case you need medical attention when you are abroad. This is the best option for individuals and families who are temporarily working or living abroad for less than a year. Choose between a 3, 6 or 9 month policy and we will cover your medical costs such as hospital visits, surgeries, prescription drugs, cancer treatment, diagnostic tests and GP visits. Flexicare will also cover medical evacuations, just in case the treatment you need is not available in your new country. Our plans also include treatment for covid-19.
Your cover is also subject to:
• Policy definitions and exclusions
• Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
• Any policy endorsements, policy terms and conditions and any other legal requirements.
• Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Doctor and specialist visits
Hospitalization
Oncology
Diagnostic tests and vaccinations
Emergency dental treatment
Medical evacuation
Health Services included with your cover
You have access to range of services to help protect you and your family from preventable health risks.
Ready to get your cover?
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Travel or Short-term health Insurance?
Short-term insurance covers most of your healthcare needs – day to day and emergencies - in case you need medical attention when you are abroad. Travel insurance is the best suited for holidaymakers or occasional business travelers and would only cover medical emergencies.
Watch the video to find out more.
Why choose us as your trusted health insurer?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running
1.9M
Worldwide expertise
Growing network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
48hrs
Quick and efficient
Fully completed medical claims processed within 48 hours
Looking for a different solution?
12 months cover
compliant with local regulations
Frequently Asked Questions
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally.
In which countries can I receive treatment?
You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate. If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses. If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling.You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
How do I make a claim?
First, check that your plan covers the treatment you are seeking. Your Table of Benefits will confirm what is covered. Some treatments require our pre-authorisation - These are mostly in-patient and high cost treatments. If the treatment you need requires our pre-approval, we’ll organize payment of your treatment directly with the hospital, where possible. If your treatment does not require our pre-authorisation, you can simply pay the bill and claim the expenses from us.
What is the difference between Travel and international short-term health insurance?
Short-term insurance covers most of your healthcare needs – day to day and emergencies - in case you need medical attention when you are abroad. This is the best option for individuals and families who are temporarily working or living abroad for less than a year. Travel insurance is the best suited for holidaymakers or occasional business travelers and would only cover medical emergencies. Watch this video and discover the difference between International Health Insurance, Short-term and travel insurance.
ITIJ Award Winner
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Note: Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, fitness app, Second Medical Opinion and telemedicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The fitness app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The fitness app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch), limited company governed by the French Insurance Code, and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.