Life insurance for Australian Expatriates

Life 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.

Q. 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)

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Q. 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

Buy Life Insurance Directly

Policy	Maximum Cover	Maximum Entry Age	Expiry Age
NobleOak Direct Life Insurance		$15,000,000	69	99	Get Quote More Info	Protect your family with Life Insurance and pay on average 20%* less when compared with other insurers. T & Cs apply. Consider the PDS. Issuer is NobleOak Life Limited ABN 85087648708. AFSL 247302.
Zurich Ezicover Life Insurance		$1,500,000	69	99	Get Quote More Info	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.

Q. What type of life insurance cover can an Expat get?

The following products are available for Expats:

• Term Life Insurance
• Trauma Insurance
• Income Protection
• TPD Insurance

Q. 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

Q. 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.