About

Established in 1995, PHA are specialist Healthcare Intermediaries, with over 30 insurance agencies and clients all over the world. Our customer call centre is open 6 days a week, open 9-7 pm Mon to Fri and 9-1 Sat. We provide specialist free advice on all types of health insurance. We work harder than most other companies to keep you in the best of healthcare. We dispel the mystery of medical insurance and give you the facts about what plans will and will not cover you.

PHA hold a unique library of easy to understand benefit tables, which show you side-by-side comparisons of the benefits and exclusions in detail in ‘Plain English’. Our helpful advisors will answer or find the answer to all of your questions and provide quotations from the whole range of insurers we can offer. This will enable you to make an informed decision and have the Peace of Mind you deserve to know that your healthcare is in safe hands.

The premiums PHA quote are exactly the same as you can obtain direct but in some cases we can offer preferential rates, and look out for our ‘cash back’ offers. By offering you our experienced unbiased advice without any pressure you can obtain the best plan to suit your needs. We receive basic introducer’s commission from the insurance companies for business placed with them, which enables us to offer our services to you totally free.

As a leading private health insurance specialist we at Expat International are acutely aware of how standards of care and facilities vary immensely between countries and continents. This means that you – particularly if your work involves cross-border travel – need choose your healthcare policy and provider with care. Our independent and expert advisors can inform you of the different providers and their different strength, advising you, for example, how some offering better health and hospital networks in the United States than Europe, Africa or the Middle East – and vice-versa.

The same goes for the kind of benefits provided which can include day, in and out-patient treatment, specialist medicines, dressings, GP costs, dental care, home-nursing and around-the-clock advice and assistance helplines.

Navigating the various policies and the benefits they provide in particular territories and marrying them up to your particular circumstances requires experience, expertise and thorough market knowledge.

Finding The Right International Health Insurance Policy For You

In finding the right international health insurance policy there are things you need to take into account about your own life and circumstances – and then weighing up the pros and cons of the various healthcare policies and providers. In narrowing down the many choices you will face you’ll need think about whether you want or feel you need to benefit from day and out-patient care, or specialist treatments for cancers, heart conditions or mental health issues.

Things you should consider include:

• Do you need cover in one or more territories? This is important because providers operate different hospital networks which may be stronger, or weaker, in particular countries and regions.
• Which benefits are most important to you? Things like optical, dental and physiotherapy treatment may be included with some international medical insurance policies, or you may be able to add particular care options.
• How much are you able to spend? Think carefully about how much you can afford as clearly the higher level of cover, the higher the premium.

We Can Help You Find Your International Health Insurance Policy

With so many international health insurance plans available, and with the standards of medical care facilities varying hugely across the world, it’s important that you carefully select the policy that affords you the best protection at the best price. Your personal Expat International advisor will be pleased to help guide you to your personal solution and provide ongoing support, be that amending your future protection to meet your changing circumstances or helping you should you need claim on your policy.