Key Features of Expacare Plans

Expacare’s plans are designed to be comprehensive while offering several routes to reduce your annual premium, making them stand out in the competitive expat insurance market.

• Exceptional Lifestyle Discount: Expacare offers an “unrivaled” Lifestyle Discount of up to 25% for individuals who meet certain healthy living criteria. This is one of the highest discounts available on the market.
• High Annual Limits: Plans offer premium coverage with very high annual limits, ranging from approximately $1,700,000 up to $8,500,000 for inpatient benefits.
• Targeted Regional Coverage: The “Choices” plans specifically cater to residents of Southeast Asia (excluding Singapore), in addition to worldwide coverage options (excluding USA and Caribbean).
• Broad Eligibility: Available to expats and locals up to age 64 (for Southeast Asia plans).
• Community Rating: Like the industry standard, annual premium increases are based on the overall claims experience of the entire plan pool, offering predictable and reasonable renewal terms.

Does Expacare International Health Insurance cover pre-existing medical conditions?

Expacare policies use Full Medical Underwriting (FMU). This means applicants must disclose their full medical history for assessment.

• Individuals: Pre-existing conditions are generally excluded, though milder conditions may be accepted with a premium loading (fee). Chronic or significant conditions may lead to a denial of coverage.
• Groups: Employer groups of 5 or more employees can qualify for a policy with Medical History Disregarded (MHD), which is the only way to guarantee coverage for pre-existing conditions.

Will my Expacare Health Insurance premiums increase over time, and what factors influence the renewal cost?

Yes, premiums are reviewed annually. Expacare uses a Community Rating system, which factors in general medical inflation and the collective claims performance of all policyholders in your specific geographic plan pool. Additionally, your age is a significant factor, leading to premium increases as you move into older age bands.

Does Expacare Health Insurance offer group policies for businesses?

Yes, Expacare offers flexible group health insurance plans.

• A plan can be established with as few as 1 employee (under Full Medical Underwriting).
• Groups seeking the significant benefit of Medical History Disregarded (MHD) must meet a minimum size of 5 employees.

How Much Does Expacare International Health Insurance Cost?

Expacare is known for its competitive pricing, especially when customers utilize the available discounts that lower the base premium.

A. Leveraging Discounts to Lower Your Premium

Expacare offers straightforward ways to reduce your annual payment:

B. Payment Flexibility Fees

While Expacare operates on an annual contract, you can choose to spread your payments throughout the year for an additional fee:

Final Verdict & How to Get Started

Expacare is an excellent choice for expats who prioritize financial security (backed by Lloyd’s of London) and the opportunity to significantly control their insurance costs through deductibles and, uniquely, a large lifestyle discount. Their low minimum size for MHD corporate plans (5 employees) also makes them highly attractive to small-to-medium-sized businesses.

Tenzing Pacific Services can help you compare Expacare insurance with other providers so you can find the best suited plan. Our experts provide independent advice, ensuring you get meaningful choices and the coverage that meets your unique needs.

Fill the form or contact us today to get started.