Expacare Choices plans offer coverage in Southeast Asia or worldwide

Health Insurance


Expacare Health Insurance

Expacare is based in the United Kingdom and backed by Lloyd’s of London. It offers individual, family and employer group plans to expats and locals alike.

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Expacare Health Insurance

Key Features

Available to expats and locals up to age 64
Worldwide or Southeast Asia coverage
Pre-existing conditions generally excluded
COVID inpatient treatment covered
Community rating means any annual premium increases will be reasonable and renewal is guaranteed
Direct billing at most big expat hospitals for inpatient stays means you don’t need to pay
Bank transfers and credit card payments available
Employer group plans available with significant discount

Direct Billing Partners

Sample Pricing for a 35-year old


inpatient only
$ 122 Monthly
  • $1,700,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Checkup
  • Routine Dental
  • Maternity

Core Basic

inpatient + outpatient
$ 166 Monthly
  • $1,700,000 Limit
  • Inpatient + Evacuation
  • $2,550 Outpatient
  • Annual Checkup
  • Routine Dental
  • Maternity

Core Intermediate

inpatient + outpatient
$ 174 Monthly
  • $1,700,000 Limit
  • Inpatient + Evacuation
  • $5,100 Outpatient
  • Annual Checkup
  • Routine Dental
  • Maternity

Core Intermediate

+ Dental & Annual Checkup
$ 185 Monthly
  • $1,700,000 Limit
  • Inpatient + Evacuation
  • $5,100 Outpatient
  • $850 Annual Checkup
  • $1,275 Routine Dental
  • Maternity
Best Value

Similar Providers

Personal Discounts

Healthy Lifestyle Discount
$170 deductible
$425 deductible
$850 deductible
From $30/month

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    Expacare Vietnam Insurance

    Frequency Asked Questions

    The Expacare Choices plans for Southeast Asia are available to expats and locals up to age 64 who reside in the following countries: Brunei, Myanmar, Cambodia, Indonesia, Laos, Malaysia, Philippines, Thailand, Vietnam, Christmas Island, East Timor

    If you live outside these countries, there are other options available from Expacare.

    The Expacare Choices plans offer unrivaled discounts for healthy lifestyles — up to 25%.

    All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

    The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

    Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

    Expacare Choices plans offer premium coverage, with excellent discounts.

    • Inpatient only limits: $1,700,000 to $8,500,000
    • Outpatient limits: $2,550 to the Inpatient limit
    • Maternity limits: $11,050 to $25,500
    • Dental limits: $1.275 to $2,550

    Expacare Choices plans offer 3 coverage areas:

    • Southeast Asia (excluding Singapore)
    • Worldwide (excluding USA and Caribbean)
    • Worldwide (not available to US nationals)

    Outside this area, you are covered for unforeseen emergencies and illnesses while traveling for up to 6 weeks. The amount of this coverage will depend on which plan you choose, but the minimum is $34,000.

    It’s important to understand that private health insurance is a for-profit business. People with pre-existing medical conditions represent a risk to profitability, since they are far more likely to make claims than people who are entirely healthy, which affects the bottom line. Insurers manage this risk in a number of ways.

    Most insurers use medical underwriting to assess a potential customer’s risk based on medical history. Then they decide whether to:

    • Exclude certain conditions from the coverage of a policy
    • Impose a fee for covering specific conditions (called loading)
    • Cover certain conditions despite the risk, or offer to reassess a condition at a later date.

    Some insurers offer a moratorium policy: people with conditions that aren’t chronic (persistent, recurring, incurable) can take advantage of this special type of policy, which excludes non-chronic conditions from coverage for typically 2 years before covering them.

    Employer groups of certain sizes can qualify for a policy that disregards participants’ medical history. This is the only way to cover certain conditions.

    All Expacare policies are based on the full medical underwriting model. Applicants with significant pre-existing conditions, particularly chronic conditions, are sometimes denied coverage. Milder conditions are often accepted with loading.

    Expacare, like all legimate international insurers, will cover COVID-19 treatment, subject to the policy rules. This means that inpatient treatment (typically at least an overnight stay) is covered up to the policy’s annual limits. However, if you don’t have outpatient coverage, any outpatient treatment will not be covered.

    COVID-19 testing and vaccinations may be covered under outpatient health check or vaccination coverage.

    Generally, COVID-19 quarantine expenses are not covered by any health insurance policy.

    Tenzing can assist in obtaining a certificate that shows your COVID coverage, for travel or other purposes.

    Your insurance is managed on an annual basis. Like most products, health insurance is subject to price changes, usually in the form of premium increases based on a number of factors.

    Since this is a for-profit business, changes are based in part on past-year performance (generally premiums minus claims plus overhead) and medical inflation.

    All of Tenzing’s international health insurance offerings operate on what is called a community rating basis, which takes into account all the covered individuals in a geographic insurance plan — if the plan did well, premium increases will be low, and vice versa. Any premium or benefit changes apply to everyone in the plan.

    Some insurers use an experience rating approach, which looks at whether each individual’s premiums exceeded their claims and makes adjustments accordingly. This approach can result in wildly differing changes.

    Your age is also a significant factor in determining your premium — as you grow older, your health generally declines and your risk increases. So annual premium changes also reflect your age. The increase can be larger if the insurer uses age bands: imposing a larger increase at 5-year intervals rather than a smaller increase each year.

    Expacare offers direct billing for inpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t need to pay directly.

    The Expacare network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

    Note that outpatient direct billing is not available — you’ll need to pay and make a claim for reimbursement for these services.

    All of Tenzing’s international health plans operate on an annual basis, but some do allow you to make periodic payments rather than all at once.

    For Expacare, the following fees will apply.

    • Quarterly: 4%
    • Semi-annually: 2%

    Expacare Choices offers group health insurance plans that allow employers to provide peace of mind to valued employees.

    There are two types of employer plans:

    • Full medical underwriting (FMU) requires covered individuals to provide medical history, which the insurer uses to assess risk and assign premiums.
    • Employer groups that are sufficiently large can qualify for a policy that disregards participants’ medical history (MHD). This is the only way to cover certain conditions.

    Expacare allows employers to establish plans with as few as 1 employee for FMU, 5 for MHD.


    Patrik Shore Tenzing Pacific Services

    Patrik Shore

    Senior Advisor
    From Sweden & New Zealand
    7 years' insurance experience
    Joined Tenzing in 2019
    Crim Science
    Speaks English and Swedish

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