Expatriate Insurance and Inpatriate Insurance

The expatriate/inpatriate insurance product covers employees for medical assistance and repatriation whilst seconded on business outside their country of residence.

Zurich has built a team and service offering which is singularly focused on delivery of excellent service to you and your employees. This includes the assistance services of Zurich Assist worldwide, with locally based personnel servicing you with expertise, empathy and understanding. So in addition to the security of one of the world’s largest general insurance companies, Zurich provides a high quality, local claims service focused on you and your employees needs.

How to apply

Insurance Broker

Get a quote or apply through an insurance broker

Phone NIBA:Find a Broker - Phone NIBA phone number 1300 53 10 73 Find a broker

An insurance broker can help to
determine the most appropriate
insurance for your business needs.

Zurich leads the way with revolutionary product and service features:

  • Clear and easy top follow policy wording
  • Access to our Blackberry®-based Zurich Travel Locator service*
  • Personal accident and sickness benefits
  • Dependent children definition includes physically or mentally disabled children of any age
  • Escalation of claims benefit linked to Australian Consumer Price Index (CPI)
  • Six month salary definition applies.

*Conditions apply.

Standard Features & Benefits

  • Medical Primary and Specialist Outpatient Care
  • Maternity Care Expenses and New Born Child Expenses
  • Prescribed Medicines
  • Dental Expenses
  • Ancillary Expenses
  • Emergency Return Home
  • Repatriation of Mortal Remains
  • Personnel Replacement.

Summary of features

Feature Summary

Zurich Assist Access to the worldwide services for Emergency Assistance including:
  • Access to medical practitioners for emergency assistance and advice
  • Medical repatriation / evacuation
  • Advice and assistance with lost luggage (including passport).

Zurich Travel Locator Service Mobile, Blackberry® based service delivering relevant, timely and location specific:
  • travel
  • health and
  • security information to mobile professionals.

It responds to the need for accurate information and allows travellers to make decisions on-the-go to travel emergencies, emerging threats or difficult situations they may encounter.

Medical & additional expenses Medical and additional expenses incurred by the insured person following injury or sickness occurring during the period of insurance for expenses such as:
  • Medical and specialist inpatient care
  • Medical and specialist outpatient care
  • Maternity expenses
  • Dental expenses
  • Ancillary expenses
  • Emergency transportation expenses

Medical Repatriation and Emergency Evacuation Benefits include reasonable expenses incurred for medical repatriation and emergency evacuation, such as those described below, incurred by an insured person following injury or sickness and incurred during the period of insurance:
  • Airfares (economy where possible) in transporting insured persons to the nearest recommended hospital
  • Airfares in transporting an adult to accompany an insured person under the age of 16 who is being repatriated
  • Pre and post hospitalisation accommodation.

Personal accident and sickness
  • Accidental Death benefit
  • Lump sum capital benefits for listed disablements
  • Loss of income benefits
  • Lump sum surgery benefits
  • Fractured bones benefits
  • Dental benefits.

Personal liability cover Cover for insured persons legal liability to pay damages in respect to:
  • Bodily injury caused to other persons; and
  • Loss of damage to property.


Expatriate Insurance PDS

Type: pdf (2.1Mb)

Effective date: 20 November 2015

Expatriate Insurance Proposal

Type: pdf (182Kb)

Inpatriate Insurance PDS

Type: pdf (2.1Mb)

Effective date: 20 November 2015

Inpatriate Insurance Proposal

Type: pdf (181Kb)


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