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.

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.

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!

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!

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.