Short Term Plan


If you need international private medical insurance for between one and three months, our Short Term Plan is the perfect solution. It covers the cost of private medical treatment in the country where you will be living for the Period of Insurance making it an ideal choice for anyone planning to live abroad for a few weeks or months.

Our Short Term Plan customers include new expats wanting to secure private healthcare while they settle into their new home, people working abroad on placements and those travelling or taking extended vacations.

Our Short Term Plan differs from travel insurance as it is designed for people living abroad short term rather than travelling for leisure.

We shall pay, within the selected area of cover and up to the maximum amount of £1,000,000/€1,500,000/$1,500,000 each Period of Insurance, in the event of the following additional or increased benefits:

Pre-authorisation is required for the following;
• All in-patient and day-care surgery and treatment benefits as listed
• MRI (Magnetic Resonance Imaging) scans, (in-patient and day-care treatment only)
• Convalescent facility and nursing care (in-patient only)
• Eye surgery (in-patient and day-care treatment only)
• Dread disease/AIDS (in-patient only)
• Medical evacuation or repatriation
• Expenses for one person accompanying an evacuated / repatriated person,
• Repatriation of mortal remains

In-patient treatment

100% of reasonable and customary charges including:

  • Accommodation, operating theatre and recovery room.
  • Diagnostic procedures.
  • Nursing.
  • Prescription drugs and medicines.
  • Physicians, specialists, surgeons and anaesthetists services. Surgical appliances.
  • Radiotherapy, chemotherapy and oncology.
  • Accommodation in a hospital, nursing home or hotel, when it is medically necessary for a parent (being an Insured Person) to accompany an Insured Person, being a child under the age of 16 who has been admitted into hospital as an in-patient for a maximum of 30 days, up to £30/€45/$45 each day.
  • A cash benefit up to £100/€150/$150 per day for a maximum of 15 days in any one period of cover will be paid to an Insured Person for each 24 hours that the Insured Person elects to be treated in a public, state or charitable hospital, and for which there is no charge made to Us for treatment or accommodation received.

If you need cover for outpatient treatment please purchase our Short Term Plus plan

  • Pre-existing conditions
  • Chronic conditions with the exception of a condition which first manifested itself during the Period of Insurance which requires inpatient admission to a hospital to treat an acute and life threatening
  • Outpatient Treatment
  • Maternity and Childbirth
  • Reparative, Restorative, Routine and Orthodontic Dental Treatment
  • Visioncare
  • Home Nursing
  • Prescribed Medical Aids
  • Rehabilitation / Convalescence
  • Psychiatric, Drug or Alcohol Dependency Treatment
  • Treatments that are not medically necessary as determined by a  medical professional
  • Cosmetic Surgery and Treatments
  • Experimental Treatment
  • Care or treatment arising directly or indirectly from HIV or AIDS
  • Contraception, sterilisations, fertilisation, vasectomy, venereal disease, sexually transmitted diseases, gender reassignment and infertility
  • Professional Sports. Dangerous & Hazardous sports are also excluded unless disclosed to and accepted by us
  • Reckless acts or intentional injury by you


Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal including Madeira and Azores, Romania, Russia: West of the Urals only, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and Vatican City

Worldwide excluding the USA

China, Greece, Guatemala, Honduras, Hong Kong, Israel, Jersey, Mexico, Russian Federation, Singapore, Switzerland, United Kingdom and anywhere in Europe.

Worldwide including the USA

Worldwide, USA, US Minor Outlying Islands

  • Eye Surgery (Illness and Accidents only)
  • Emergency Dental Treatment (Extra-oral impact/accidental only; pain relieving treatment only and to be carried out within 48 hours of accident)
  • Accompanying Travel & Accommodation Expenses – for one person in the event of an emergency evacuation to the nearest appropriate hospital or repatriation of the remains in case of death of an Insured Person. Accommodation expenses will be paid up to the limit of £3,500/€5,000/$5,000 per person for a maximum of 15 days. Return costs to the overseas location will also be covered. All costs
    must be incurred within the Period of Insurance.
  • Compassionate Travel & Accommodation Expenses – up to the limit of £3,500/€5,000/$5,000 per person per event for an early return of an Insured Person to their home country due to serious illness or death
    of a relative in the first degree
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