About us
Critical Illness Insurance for Expats
A financial safety net for life’s most serious health events.
Being diagnosed with a critical illness such as cancer, stroke, or a heart attack is devastating—especially when you’re far from home. Medical treatment, time off work, and lifestyle changes can quickly lead to significant costs. That’s where critical illness insurance comes in.
At InterExpat, we help expatriates protect themselves and their families with insurance that provides financial support in the face of serious illness—so recovery, not money, becomes the focus.
Expert Advice for Your Health Insurance Journey
Finding the right health insurance can be overwhelming. Let our licensed advisors guide you through the process with unbiased advice. We partner with multiple top-tier insurers to give you more choice and the best coverage suited to your needs.
What Is Critical Illness Insurance?
Critical illness insurance pays out a lump-sum benefit upon the confirmed diagnosis of a covered serious illness. It’s designed to help cover:
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Treatment costs not fully covered by health insurance
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Travel and accommodation for specialized care
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Loss of income due to time off work
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Household expenses during recovery
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Home modifications or long-term care needs
Covered conditions typically include:
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Cancer (certain stages)
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Stroke
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Heart attack
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Kidney failure
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Major organ transplant
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Multiple sclerosis
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Coronary artery bypass surgery
Each policy defines covered illnesses and required severity levels for payout.
How It Works for Expats
With international insurers such as April International, Allianz, and Now Health, expats benefit from:
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One-time lump sum payouts upon diagnosis
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Coverage available as a standalone policy or rider to health insurance
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Global eligibility, regardless of your country of residence
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Payouts that are not tied to specific treatment providers
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Optional premium waivers during treatment
This coverage is especially useful when standard health plans don’t cover non-medical expenses that arise during major illness recovery.
What to Consider Before Buying
Ask these questions before selecting a policy:
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What illnesses are specifically listed and covered?
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What is the lump-sum amount and can I choose the level?
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Are there waiting periods or exclusions (e.g., pre-existing conditions)?
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Can I add coverage for spouse or dependents?
We’ll help you understand the fine print and select coverage that aligns with your risks, goals, and financial situation.
Serious Protection for Serious Situations
Critical illness coverage helps you focus on healing—not bills. Let Interexpat guide you toward the right safety net for life’s biggest health uncertainties.
