This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Expatriate Group
This is Expatriate Group's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Expatriate Group — International Private Medical Insurance Policy Wording, June 2026 (v.20260611) — showing every published column.
From the insurer's published documents
| Annual Aggregate Maximum | ||||
|---|---|---|---|---|
| Benefit currency to match premium denomination. | ||||
| Benefit | select | primary + | primary + lite | primary |
| Annual Aggregate Maximum | €/£/$5,000,000 | €/£/$1,500,000 | €/£/$1,000,000 | €/£/$1,000,000 |
| Income Replacement | ||||
| Benefit | select | primary + | primary + lite | primary |
| Accidental Death and Permanent Total Disability†† For Terms and Conditions see separate PAI Policy Wording. | €/£/$100,000 | |||
| Hospital Benefits | ||||
| Benefit | select | primary + | primary + lite | primary |
| Private Hospital Bed | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Prescribed Medicine and Drugs | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Oncology/Cancer Treatment | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | €/£/$150 per night | €/£/$100 per night | €/£/$100 per night | €/£/$75 per night |
| Rehabilitation (following hospitalisation) | €/£/$2,000 | €/£/$2,000 | €/£/$2,000 | €/£/$2,000 |
| Parent Accommodation | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Second Opinion for Surgery | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Organ Transplant | €/£/$300,000 | €/£/$150,000 | €/£/$150,000 | €/£/$100,000 |
| Outpatient & GP Benefits | ||||
| Benefit | select | primary + | primary + lite | primary |
| Family doctor, GP, Specialist and Physician consultations fees (including outpatient surgeries) | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Prescribed Medicine and Drugs | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | Outpatient benefits capped at €/£/$1,000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | Outpatient benefits capped at €/£/$1,000 | |
| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | €/£/$100,000 | €/£/$20,000 | ||
| Oncology/Cancer Treatment | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Psychiatric* = Excludes costs incurred in first 12 months. | 10 sessons €/£/$3,000 | 10 sessions €/£/$3,000* | ||
| Assistance Services & Special Benefits | ||||
| Benefit | select | primary + | primary + lite | primary |
| Emergency Medical Transportation | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Local Ambulance | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Assistance Services & Special Benefits | ||||
| Expenses for accompanying Dependant: | ||||
| Benefit | select | primary + | primary + lite | primary |
| Travel | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Accommodation & Subsistence | €/£/$150 per day | €/£/$100 per day | €/£/$100 per day | €/£/$75 per day |
| Assistance Services & Special Benefits (continued) | ||||
| Benefit | select | primary + | primary + lite | primary |
| Repatriation of Mortal Remains | €/£/$10,000 | €/£/$5,000 | €/£/$5,000 | €/£/$5,000 |
| Compassionate Travel | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Family Compassionate Travel | €/£/$250 | €/£/$250 | €/£/$250 | €/£/$250 |
| Terminal & Palliative Care | €/£/$30,000 | €/£/$20,000 | €/£/$20,000 | €/£/$15,000 |
| HIV, AIDS & ARCS | €/£/$50,000 (lifetime) | €/£/$50,000 (lifetime) | €/£/$50,000 (lifetime) | |
| Maternity | ||||
| Benefit | select | primary + | primary + lite | primary |
| Complications of Pregnancy* = Excludes costs incurred in first 12 months. | 100%* | €/£/$5,000* | €/£/$5,000* | |
| Normal Delivery* = Excludes costs incurred in first 12 months. | €/£/$7,500* | |||
| Elective Caesarean Operation* = Excludes costs incurred in first 12 months. | €/£/$7,500* | |||
| Non-elective Caesarean Operation* = Excludes costs incurred in first 12 months. | €/£/$7,500* | |||
| Home Delivery* = Excludes costs incurred in first 12 months. | €/£/$7,500* | |||
| Home Nursing following Home Delivery* = Excludes costs incurred in first 12 months. | 5 days* | |||
| Newborn Care* = Excludes costs incurred in first 12 months. | €/£/$25,000* | |||
| Dental | ||||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Benefit | select | primary + | primary + lite | primary |
| Accidental Emergency Dental Treatment | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate | 100% refund to policy annual maximum aggregate |
| Routine Dental Treatment | €/£/$750 | |||
| Basic Restorative Dental Treatment | €/£/$750 | |||
| Major Restorative Dental Treatment | €/£/$1,000 | |||
| Optical | ||||
| Benefit | select | primary + | primary + lite | primary |
| Examinations & Lenses (including contact lenses) | €/£/$150 | |||
| Preventative | ||||
| Benefit | select | primary + | primary + lite | primary |
| Medical Check-up* = Excludes costs incurred in first 12 months. | €/£/$300 | €/£/$250* | ||
| Travel Vaccinations | 100% refund to policy annual maximum aggregate | |||
| Cervical Smears | 100% refund to policy annual maximum aggregate | |||
| Mammograms | 100% refund to policy annual maximum aggregate | |||
| Prostate Cancer Screening | 100% refund to policy annual maximum aggregate | |||