Expatriates can face many hidden pitfalls to do with health insurance. Not purchasing the right sort of insurance before leaving home can result in you having to pay very costly medical bills out of your own pocket. You might also face problems when temporarily returning home for a holiday.

Marsh, as an insurance broker, provides you with access to many of the world’s major international expatriate health insurers such as QBE, Bupa and GU Health – Helping you to select or tailor the international health coverage that best suits your needs.

Marsh can arrange insurance for:

• Employers who provide their expatriate employees with expat coverage
• Australian expatriates on assignment outside Australia
• Non-Australians on assignment in Australia on a 457 Visa

The policies arranged by Marsh can provide you and your family with broad international health coverage whilst on overseas assignment and when temporarily returning to your home country, including:

• In Hospital cover
• Out Hospital doctor, specialists and diagnostic tests
• Pregnancy
• Dental and Optical, and
• Ancillary benefits (including Pharmaceutical, Physiotherapy etc.)

Cover applies globally (restrictions apply) whilst operating 24-hours a day, including  global emergency assistance and flexible options to meet medical  expenses incurred either through illness or injury.

Employers

Over 300 major international corporations use Marsh to provide cover for expatriate employees of all nationalities.

Marsh policies are specifically designed to enable organisations to provide comprehensive international health cover to their expatriate employees and their accompanying families, however individuals working overseas may also take advantage of this insurance.

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Australian Expatriates

Apart from the need for medical cover whilst on overseas assignment, Australian expatriates may also encounter issues relating to Australian health legislation, which may include Medicare, Medicare Levy Surcharge, and portability of cover. This may affect employees on either temporary or permanent return to Australia.

Marsh can offer solutions to address these issues, some which may require a supplementary policy.

Non Resident (Inpatriate)

If you are entering Australia via a 457 visa, the most common type of working visa, you are required to take out compliant health insurance policy for the duration of your stay in Australia.

Marsh has access to various policy options through a number of insurers in both the domestic and general insurance sectors and can arrange specifically designed compliant cover. Cover arranged with insurers outside Australia will often not be compliant and may prejudice your visa application.

We can also organise health cover for other working visa holders.