AIA
BT
ClearView
OnePath
TAL
Zurich
MLC
NEOSLife insurance cover for Australian Expatriates is an excellent offer, enabling Australian Expats to protect the things that really matter in their lives. The following Q & As may assist you when considering whether or not you are eligible.Who is considered an Ex-pat?
Compare Life Insurance Quotes
Protect what’s most important to you. It’s easy, convenient and free!
By clicking on ‘Compare and Save Now’ you agree and accept our Privacy Policy and Terms & Conditions.
Who is considered an Ex-pat?
An ‘expatriate’ for insurance purposes is defined as those who maintain and continue to hold Australian Permanent Residency or Citizenship status but intend to work overseas for short periods (6 months – 3+ years) and return to live in Australia in the near future (3-5 years)
Those who maintain and continue to hold Australian Permanent Residency or Citizenship status but intend to work overseas for short periods (6 months – 3+ years) and return to live in Australia in the near future (3-5 years)
I know someone who is currently residing overseas. Can they get cover?
Yes, however generally insurers must be able to establish the following:
- The country where the expat is already working. In some countries, it can be illegal for foreigners to purchase a policy within their country of residence (due to reasons such as inappropriate licences).
- How long the applicant has already been overseas and how long they will remain overseas.
- What the applicant’s intended occupation is while overseas.
- The relevant country category from the Department of Foreign Affairs (DFAT). Generally, most insurers we work with will defer those applicants residing in a country on DFAT 5 (high-risk countries). Generally, most insurers will consider DFAT 4 countries on an individual consideration basis
Get quotes directly from our life insurance partners
| Policy | Maximum Cover | Maximum Entry Age | Expiry Age | |
|---|---|---|---|---|
 Real Life Insurance | ||||
| | Maximum Cover $1,000,000 | Maximum Entry Age 64 | Expiry Age No expiry age if policy remains in force | Get Quotes |
| Get Quotes | ||||
Award-winning Life Insurance with an insurer you can trust. Call 1300 352 904 to speak with a sales specialist | ||||
| Guardian Life Insurance | ||||
| | Maximum Cover $1,500,000 | Maximum Entry Age 64 | Expiry Age No expiry age if policy remains in force | Get Quotes |
| Get Quotes | ||||
Guardian Life Insurance gives you peace of mind knowing there are plans in place to ensure the financial security of your loved ones. Call 1300 736 092 to speak with a sales specialist | ||||
| Zurich Ezicover Life Insurance | ||||
| | Maximum Cover $1,500,000 | Maximum Entry Age 69 | Expiry Age 99 | Get Quotes |
| Get Quotes | ||||
Get your first month’s premium waived. Plus, receive a 10% discount on the second life insured when two applications are submitted at the same time, and both policies are issued. Ts & Cs apply. Consider the PDS. | ||||
What type of life insurance cover can an Expat get?
The following products are available for Expats:
What level of life insurance cover can an Ex-pat get?
Generally, the following levels of cover are available to Expats:
- Term Life Insurance – up to $5 million
- TPD Insurance – up to $3 million subject to age and occupation), and
- Trauma Insurance – up to $2 million (subject to age and occupation) from all sources
- Income Protection – up to $360,000
- Business Expenses – up to $300,000
Are there any conditions that apply for an Ex-pat?
Some of the following conditions may apply:
- The applicant must be an Australian citizen or a permanent resident
- The applicant must intend to return to and reside in Australia within 5 years of taking the policy
- Any medicals or blood tests must be completed in Australia or performed by an English speaking doctor
- All premiums and claims proceeds will be made in Australian dollars
For income protection cover you will generally need a copy of your contract outlining length/term of your work overseas. Most providers are happy to issue policies with a 30 day waiting period, and up to age 65 benefit periods.
Hello,
I am seeking a quote for insurance. I (Australian) will be traveling to Iraq for a six month contract in January 2018 and require coverage for the following:
Evacuation (including Mosul, Baghdad) for conflict and medical
Kidnapping
Emergency health
Life Insurance
Is it possible to obtain a quote for this?
I await your reply.
Jess.
Hi Jess
I am not sure what type’s of insurance will address your specific requirements, however you may want to request a number of quotes:
Firstly for a life insurance quote please complete the above form or call 1300 135 205 as it would be best to talk to a specialist to explain your situation as coverage will depend on a number of risk factors your trip to Iraq may or may not present. Then you may want to request a health insurance quote request then a travel insurance quote request.
I would then review the policies features, benefits and exclusions of the PDS very closely to see if these meet your requirements otherwise you may have to consider alternative types of insurance policies to these and or combinations.