Reliable Medical Coverage
HCI are a London based private medical insurance company who have been specialising in the international health insurance market for more than 15 years. We offer health insurance plans to expats of all nationalities no matter where in the world they are now calling home.
Personal health insurance is critical for this global community, because often local medical care is off-limits to non-residents, or very expensive so if you are looking for affordable health insurance then consider HCI. We offer a wide range of health care plans to suit any needs or budget. We think we have among the best private health insurance plans available because we are experts in this market and with many years of experience behind us, we know what is important to people living away from home. Read more »
Like others, you will probably be looking to buy health insurance to ensure that if the unexpected happens, you can get the private health care you need, when and where you need it. International health care can be very expensive so it’s important to get health insurance so that in the event of a medical problem you can focus on getting better while we take care of the health care costs.
You can get an online health insurance quote in just seconds and our friendly staff are always available to explain how the health insurance rates are calculated based on the health plan you select, your age and country of residence. Of course, medical insurance quotes are only part of the story though. When you buy medical insurance from HCI we provide not only great private health insurance, but, critically we back this up with a first class, responsive service 365/24/7 wherever in the world you are. Many of our staff are expats themselves, so they know of the challenges of living away from home and having to deal with a new way of life, culture and medical system. They also speak a wide range of languages.
Our plans cover everything from GP visits and lab tests all the way through to complex surgical procedures. We also have coverage for dental and optical costs, wellness checks and maternity benefits. Some of our plans even now include the ability to have a new born child’s stem cells collected and stored for future use in a world first for a health insurance company.
And if you are an employer looking to provide coverage for your overseas based staff, we also offer group schemes to ensure that when your staff are working for you, healthcare costs are one thing they don’t need to worry about.
Assuring Your Life
Have you ever considered what would happen to your loved ones if you were to die unexpectedly? As the head of your household, your family members’ financial security is a must. Having an effective home security system or a good medical insurance plan is a good start, but family protection insurance can ensure they can continue to live the life you want for them when you are no longer there to provide it to them personally. Purchasing life insurance is a way of ensuring their financial security because the future is never as certain as we’d like it to be. A life insurance policy from HCI will provide that additional peace of mind that comes from knowing you’ve done the best for your family. Read more »
These days we are often weighed down with responsibilities and work commitments can place our families’ safety and financial security at risk, especially in a new country. Some jobs involve specific hazards that can’t be avoided easily. From army professionals, electrical installers and pilots to miners or workers in contact with chemical substances; there are often implicit dangers in many jobs. It might not even be a physical risk, but an indirect political threat. Are you a self-employed lone worker? If so, it may be a good idea to start considering our life insurance rates because while life insurance won’t lessen the dangerous nature or location of your work, it can lessen the financial impact on loved ones if the worst was to happen.
Unfortunately, not all countries are equal when it comes to security standards, and not all employers offer a life insurance policy to cover the risk their staff may face. Another worry is that not all life Insurance companies will cover you away from your country of citizenship. Terrorism, local disputes and the trade and circulation of illicit arms increases the hazard level in some regions. If you’re an expatriate, your risk may be even greater. Living abroad is not an easy thing and foreigners are more vulnerable to risk, especially parents when it comes to their children’s’ wellbeing.
From whole life insurance (permanent policy) to term life insurance (if you just want to get life cover for a certain period) HCI always guarantees affordable rates. Get the best life insurance policy at a great price. HCI provides life insurance quotes online. You can request a personal quotation in just in a few seconds.
Are you a frequent traveller? If so, you must be already familiar with the basic documents required, such as visas or medical travel insurance. But are you also aware of the importance of buying your travel insurance at the same time you book your travelling arrangements? The key is that if you buy your travel insurance when you pay for your tickets and accommodation, if you are then unable to travel due to an unexpected event taking place (a sudden illness, for example) your insurance policy can repay some or all of your lost deposits.
When travelling nobody expects to become ill or have an accident; but these things can happen so it’s best to take steps to lessen the risk and also protect yourself from financial loss by buying travel and health care coverage for the country you’ll be visiting, but also the stops you may make on your way there. Read more »
Two main issues might arise when it comes to health care in foreign countries. On one hand, medical resources, treatments and hospitalisation in certain countries can be very expensive. Not matter how healthy you are, illnesses and injuries can strike anytime and the risk can be greater when you are in a foreign location, with different foods and physical environments. Even a simple cold or infection can spoil a holiday and leave a serious dent in your wallet. Travellers could also experience more serious medical misadventures like appendicitis, breaking a bone or getting a local disease such as malaria or yellow fever. This can definitely put the traveller at great risk, especially if local medical costs are high or where adequate treatment of medical conditions are hard to find.
HCI travel insurance packages can help you to get the quality medical services you need. And if the local healthcare standards are inadequate, we can arrange for you to be taken to a more appropriate facility elsewhere. It’s nice to know that we can provide medical finance assistance, but we also want to ensure that you have access to the best clinic if you become ill.
Apart from medical expenses, HCI also covers other type of unexpected events such as lost baggage; missed or cancelled flights; flight delay compensations, etc.) Our travel policy is varied and coverage is flexible from single trip insurance to business trip and annual multi trip policies for the most active travellers.
Start checking holiday deals and get your trip insured with HCI!
Student First Class Cover
Planning to study in UK? Congratulations, you’ve come to the right place because HCI offers a customised student insurance package that will cover all of your student insurance needs. Whether you have plans to study abroad in the UK or you are already an international student here in any school; university or college in England or the UK, you really need a personal student health, travel & property insurance plan. Still don’t have one? It is time to look at what HCI offers.
We know that international students are on a tight budget, so we offer affordable (some would even say cheap) health, travel & property insurance for international students; Our policy provides affordable insurance which matches your needs no matter what type of scholar you are – so whether you are here to learn a language, a technical skill or working on a master’s programme or internship don’t let the unexpected ruin your UK studies. Get your overseas study insurance before moving to the UK and we’ll even cover your travel to get here including lost baggage. Read more »
Wondering why is it so important to get student insurance if you are studying in the UK? Whilst it’s not mandatory to be insured, it makes a lot of sense to ensure you can focus on your studies without needing to worry how you will cope if the unexpected happens. Student medical insurance in particular is important because although the UK has very high standards of healthcare, the costs can be extremely high and beyond the budgets of many foreign students.
And while medical expenses are possibly the biggest risk an international student faces, they are not the only ones. There are non-refundable student fees; lost passports; stolen or damaged property; return home costs and even student liabilities. Our policy covers all of these risks and more, our aim is to ensure that if the unexpected does happen, we are here to help.
And if you are the parent of an international student, knowing your child has an appropriate student health insurance policy in place will surely give you the peace of mind, knowing that if the unexpected does happen, there’s a UK based insurer looking after them. An education abroad may be the best gift you can give to your son or daughter – but don’t leave anything to chance - choose the best health insurance for students and let them start packing for their adventure of a lifetime!
As an employer of staff based offshore you have a duty of care to ensure staff safety is a priority – and to make sure they are always able to access the best medical care should the unexpected happen. This is part of your employers liability and the good news is that HCI can help when you decide the time is right to arrange a group insurance policy for employees.
HCI not only provides comprehensive insurance for individuals, but we also offer insurance for groups. Our group insurance plans are adaptable to your special needs. Three different types of group insurance are available within our offer: group health insurance, group travel insurance and group life insurance. You can get flexible cover for your staff with HCI whether it is corporate insurance you need, or just a small group insurance programme for a handful of staff. Read more »
Our group health plan provides attractive discounted group insurance rates and underwriting concessions.
Group Medical Insurance for Businesses
Our employer health insurance plans are designed to make sure that while they are based overseas, coping with unexpected medical bills is one thing your employees won’t need to worry about. These group health insurance plans form an important part of your employee benefits package and protect your liability as an employer.
There’s also the peace of mind that comes from knowing that if your staff do have a medical emergency, you can have them treated quickly so they can resume their work as quickly as possible.
Travel Insurance for Employees
A corporate travel insurance plan is a convenient way to ensure your staff are always covered whenever they head overseas on any business trip, even those arranged at the last minute. We can provide a group travel insurance quote for your company no matter how many staff you have and how often they travel. Business travel insurance is more affordable than arranging individual policies for every individual trip.
You probably bought your insurance policy because of the peace of mind it provides, but hoped that you would never need to use it. But if the unexpected happens, making an insurance claim is the moment of truth – will your policy protect you in the way you hoped it would?
Having to make a claim means that something has happened that you probably wish hadn’t – a medical situation that demands a quick response. Here at HCI we know that our insurance claims management process is probably the most important interaction you are likely to have with us. That’s why we have an emergency line that operates 24 hours a day and a team of staff ready to assist you no matter what the situation may be.
Whether you are making compensation claims for bills you’ve already paid, or are seeking approval for treatment you need in the future we will respond with speed and efficiency. Our health insurance claim process has been designed to reduce the stress that comes when having to make a claim when you are not feeling your best. We want to take care of the costs associated with your medical treatment and let you focus on getting well again.
The expat community is our main audience and we love to take good care of them. HCI provides excellent insurance for expatriates. Living overseas can be exciting, but it also has its challenges and risks so an expat abroad will want the peace of mind that comes from knowing that if the unexpected happens, they are covered.
Are you a foreigner living abroad? If so, we offer excellent health insurance for foreigners and expatriate travel insurance at very good rates.
Expat Health InsuranceIf you live and work abroad, you will need to get your expat health insurance arranged as soon as possible. Accidents or ill health can strike at any time and accessing the best medical treatment can be both difficult and expensive if you don’t have the best expat health insurance. Don’t let the unexpected ruin your expat life experience. Contact HCI today.
Expat Travel InsuranceExpatriates are often regular travellers who love to discover new places and communities. Knowing this, apart from offering international medical insurance, HCI also provides travel insurance for expats living abroad who want to travel further afield or visit home.
One of our key advantages as a global insurance company for expats is that we can provide cover no matter where in the world you may be living. Our service network extends worldwide, so we provide insurance with an international context, regardless of your nationality or current location.
Our mission is to provide affordable international health care, along with a range of other insurance solutions for the expat community. Whatever your specific requirements are, from international medical insurance to travel and life insurance, we have the global scope to ensure you can get the cover you need no matter where in the world you are.
- Family assurance
- Key for improving the quality of life
- International coverage
- Protection and security
- Financial peace of mind
- Assure your family's wellbeing
- Travel all together
- Worldwide availability
- Enjoy special rates
Betting on Health Innovations
We’re fond of backing avant-garde medical breakthroughs. Our recently introduced maternity cover benefit; cord blood stem cells banking, promises to be one of the biggest medical trends in the near future. We’re delighted to offer free umbilical cord storage to new purchasers of our Premium and Executive medical insurance policies.
There are an astonishing and growing number of medical uses for stem cells and HCI are delighted to be able to offer parents of new born babies private cord blood banking free of charge when they buy a new Premium or Executive private health insurance policy. This is a rich added benefit because the costs of stem cell banking and stem cell preservation would otherwise remain a privilege for the few.
Their Future in Your Hands
Stem cells treatments for cancer and diabetes, among other medical conditions have already shown positive results. Similarly Stem cells injections can help regenerate tissues, bones and fight infection. Although stem cells therapy is still a new and growing science, progress is accelerating and stem cells banking is definitely a worthwhile investment in your family’s future health. Outstanding medical advances related to cell processing have been achieved in the last decades and all signs point to an expanding medical revolution as more as greater uses of these stem cells are uncovered.
- Heart attack
- Spinal cord injuries
- Multiple sclerosis
- Cerebral palsy
- Liver disease
- Cystic fibrosis
- Sickle cell anaemia
- Disease treatment
- Bone and tissue regeneration
- Vital organs regrowth
Cord Blood Storage
By offering free umbilical cord stem cell banking to policyholders, HCI are leading the way in the insurance industry. Offering the chance to have your new born baby’s stem cells extracted and stored for future medical use for them and their immediate family members as a standard feature of our medical coverage is giving these families the opportunity of a longer and healthier future.
Because we strongly believe in the enormous potential of stem cell science, we have incorporated a cord cell banking service as an automatic but exclusive benefit within selected health insurance offers.
How Does Stem Cell Banking Work?
Buy an HCI medical policy featuring the stem cells banking service and when your baby is born a technician will remove blood and tissue from the placenta and umbilical cord. They will then be sent to a lab where the stems cells will be separated from the blood plasma, these will then be stored cryogenically indefinitely until they are needed. The baby is not harmed in any way as the extraction occurs after the birth- in fact the baby is not touched at all in the process and nor is the mother.
After the cells are collected and stored, they are available for future medical use should they be needed by the donor they were taken from or any of the donors immediate family (siblings or parents). With stem cells, their future is in your hands!Back to Top