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International Health Insurance Coverage for Expatriate Families

Protect your family by choosing the right medical plan for your family.
Distinct from local medical insurance policies, the International Health Insurance assures Expatriate families access to both private and public medical treatment facilities across the world, delivering higher annual limits, extensive benefits and coverage. A customizable insurance plan for the family is a mandate for today’s global families.

Distinct from local medical insurance policies, the International Health Insurance assures Expatriate families access to both private and public medical treatment facilities across the world, delivering higher annual limits, extensive benefits and coverage. A customizable insurance plan for the family is a mandate for today’s global families.

Rest assured, partnering with Tygate ensure you and your family are given the perfect shield that is within you budget. We will maximise you r benefits and discuss how we can add on wellness, dental and maternity options to meet the needs of your family

How to choose the right plan?

Choosing the right medical insurance is to key to ensuring you and your family have access to quality medical care. It will protect you and your family in the event of a medical emergency or if you require treatment for an acute medical condition. Have peace of mind that evacuation to a centre of excellence is available if required.

Speak to a Tygate advisor about how we can cut through the jargon and source the most comprehensive and competitive plan for you and your loved ones.

Policy Benefits

The key element of any policy is the in-patient benefit. This provides coverage for accidents, severe illness, medically necessary surgical procedures which are typically expensive and require hospitalization. Out-patient benefits include cover for both in-patient treatment and medical treatment which does not require a hospital stay.

In-patient

  • Private or shared rooms
  • Inpatient surgical procedures – includes surgeon’s and anesthetists fees
  • Intensive care
  • Cancer treatment
  • Organ Transplant services
  • Diagnostic procedures
  • Advanced medical imaging (CT, MRI and PET scans)
  • Kidney failure and dialysis
  • Specialist consultations
  • Dental emergency
  • Emergency evacuation – includes travel costs for an accompanying person, their accommodation and compassionate visits
  • Medical repatriation – includes repatriation of mortal remains
  • Psychiatric care & Psychotherapy

Out-patient

  • Medical practitioners & Specialists consultations
  • Out-patient surgical procedures
  • Diagnostic tests
  • Dental accidents
  • Prescription medication
  • Maintenance of chronic illness conditions
  • Chiropractic treatment & Physiotherapy sessions
  • Osteopathy & Acupuncture treatment
  • Podiatry & Chiropody
  • Traditional Chinese medicine & Homeopathy treatment
  • Dietician consultation
  • Psychiatric care & Psychotherapy
  • Speech therapy
  • Therapeutic aids & medical appliances
Add-ons
Value Add

Optional Top-up Benefits

  • Maternity coverage
  • Dental care
  • Health & wellness checks
  • Vision
  • Accidental Death and Autopsy
  • Terminal illness coverage
  • Travel insurance
  • Life insurance
  • Income protection
  • Child vaccinations
  • Travel vaccination

Added Features

  • Private or public hospital coverage
  • Coverage for specific pre-existing medical conditions
  • Easy claim processes, quick refunds & online tracking of claims
  • Discount for family
  • No-claim discount
  • Direct billing – provided in some countries by some insurers
  • Pre-approval for expensive treatment costs
  • Lifetime renewability
  • Optional 24-month moratorium or full medical underwriting (FMU)
  • Helplines for medical advice
  • Money-back guarantee period
  • Various payment methods & payment terms options
  • Smartphone application

Coverage Areas

We offer a wide coverage area, however for an expatriate family, it is important to consider a worldwide policy excluding the USA. International Health Insurance coverage ensures quality treatment for any illness or injuries, anywhere in the world, and avoids the need for switching to a new policy for each region or country that your family relocates to.

Tygate Locations

Our Partners

Our Quick Process

1 ) Understanding Your Family's Needs

Our detailed needs analysis involves us asking the right questions from the offset. A quick and easy process that removes the jargon to ensure we optimize you and your family's benefits and secure the most competitive rates.

2 ) Bespoke Benefits

Our access to full market review helps find providers to best suit your family's needs. From the area of cover to pre-existing conditions, we elaborate and offer bespoke benefits, finding tailored plans saving you time, cost and effort.

3 ) Ease and Efficiency

As trusted brokers, our relationships with providers helps find the best benefits and premium. We evaluate plans, understand local regulations, trends, and the know-how of optimizing policy add-on benefits and exclusions. We assist with the application process and ensure a positive outcome.

4 ) Personal Support

We work closely with you to ensure the plan is implemented on your preferred start date. Our complimentary services include claim support and mediation, guidance on online tools, finding a doctor and network provider lists. We provide a full benefits review at renewal, offer cost containment options, and negotiate perfect renewal rates for best customer satisfaction.

Why worry about medical protection when you can leave it to the experts?

We can find the best cover and negotiate the best price for you.

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