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United Kingdom (UK) - Insurance
The United Kingdom has a social healthcare system in which residents pay taxes to receive services at government-run hospitals. In recent years, private health insurance policies have become more popular.
Saga offers mid-range treatments and comprehensive health care plans for expats; however, it only provides insurance for those aged fifty or older.
April UK Health Insurance provides treatment only, mid-range, and full cover options for any person.
Aviva provides private healthcare for treatment, diagnostic only, comprehensive, and mid-range cover for any resident of the UK.
AXA is a PPP health insurance for treatment, comprehensive and mid-range covers.
BUPA Health Insurance provides diagnostic only or comprehensive covers. It does not allow a transfer of existing cover.
Blue Cross-Blue Shield
Blue Cross-Blue Shield offers expat packages for travellers and full-time UK expats. Covers range in co-pays and deductibles.
Term life, lump sum insurance policies, mortgage life insurance, and whole insurance policies are available to expats in the UK. A lump sum policy can be term or whole in which the entire amount is given at death, whereas others pay out over time. Mortgage life insurance is designed to pay nothing but outstanding mortgage and burial costs.
LV provides lump sum payouts, with a quick and easy online application process.
Saga provides a range of insurance products both in life insurance and other categories for individuals aged 50-80.
Legal and General
Legal and General provides life insurance for people aged 17-84. There is no limit on the expiration of cover.
There are a variety of coverage options available from the Post Office, however cover is provided to individuals aged 18-80, with no specific expiration date, based on the cover option chosen.
Tesco Bank offers a variety of life insurance products for 17-80 year olds. They also have special options for anyone over 50.
Home insurance will cover a rental or purchased home for expats. The insurance can be bought for the building and contents, or contents only in the case of rental insurance. The amount provided for content and building is determined by the policy holder.
Direct Life offers an unlimited cover for buildings, but £50,000 limit on the contents.
There is no specific limit on content cover, and building cover is unlimited at Sainsbury's Bank. There is a discount on home insurance for no-claims of 50%.
Aviva provides a range of insurance products including home, building and contents insurance. Building limit is one million pounds, while the content is limited to £150,000.
Car insurance is attained in a variety of ways based on whether an expat owns a vehicle or needs temporary cover. For drivers using a company car for a period of less than a full year, temporary cover is considered the most affordable option, since it covers only the days the person will be driving the vehicle. Some companies offer temporary cover for under £20 a day. Comprehensive and collision policies are also possible. The most one needs is liability cover when driving a car; however, more insurance is better to avoid hefty fees should an accident occur.
Tesco Bank has a variety of car insurance policies and will include a courtesy car with breakdown cover.
Direct Line varies their car insurance policies to include temporary and year-round policies for expats.
Professional Liability Insurance
Professional liability insurance is required for anyone who owns a business as an expat in the UK. Whether the business is selling goods or services, it must have professional liability insurance in the event an accident happens on the property. It protects the business owner’s personal funds in court, as well as the business itself.
AXA offers professional liability or indemnity insurance to professionals for up to £5 million.
Hiscox is a professional liability insurance company with specific professions covered including IT consultants. They provide particularly useful policies for self-employed people.
Expat Health Insurance Partners
At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.