Individual and Family Plans
Flexible plans. Flexible Lives.
Evolution Health Plan EU
Evolution Health is an expatriate health insurance product aimed at making it easier and more cost effective for clients to purchase the cover they need. Just as Morgan Price has evolved over the last 21 years, so has our experience and thinking around how the plans should be designed.
This is an international policy designed for expatriates (i.e. persons living/working outside of their home country) and local nationals (i.e. persons living and/or working inside their home country) and their eligible dependants with the exceptions of the United States of America.
The policy is not available to persons or in countries where it would breach any sanction, or where it is prohibited by law or local legislation.
This expatriate health insurance plan has been designed to be as flexible as possible whilst remaining as straightforward as possible for all of our business partners to sell, and their clients to purchase.
There are core elements to all the 5 levels of cover including:
- In-patient and day-patient treatment
- Cancer cover
- Emergency Evacuation benefit
- Use of any hospital within your area of cover (transport costs not included)
The levels of cover then increase in value and cover elements including out-patient treatment, routine dental and routine maternity.
Our excess/deductible is an annual amount per person per policy year.
Evolution Health is open to new business and is also available to customers wishing to switch their current insurance to a Morgan Price plan.
| Standard | Standard Plus | Comprehensive | Premium | Elite | |
|---|---|---|---|---|---|
| Annual limit £/$/€ | 500,000 | 750,000 | 1,000,000 | 1,500,000 | 2,000,000 |
| In-patient and day-patient treatment | ✔ | ✔ | ✔ | ✔ | ✔ |
| Evacuation and repatriation | ✔ | ✔ | ✔ | ✔ | ✔ |
| Treatment for cancer | ✔ | ✔ | ✔ | ✔ | ✔ |
| Cash benefits | ✔ | ✔ | ✔ | ✔ | ✔ |
| Home country cover excluding USA | ✔ | ✔ | ✔ | ✔ | ✔ |
| Out-patient consultations and diagnostics | ✔ | ✔ | ✔ | ✔ | ✔ |
| Treatment for chronic conditions | ✔ | ✔ | ✔ | ✔ | ✔ |
| Emergency treatment outside area of cover | ✔ | ✔ | ✔ | ✔ | ✔ |
| Routine health checks | ✔ | ✔ | ✔ | ✔ | ✔ |
| Organ transplants | ✘ | ✔ | ✔ | ✔ | ✔ |
| Dental | ✘ | ✔ | ✔ | ✔ | ✔ |
| Routine Maternity | ✘ | ✘ | ✘ | ✔ | ✔ |
| Infertility treatment | ✘ | ✘ | ✘ | ✔ | ✔ |
Literature downloads
If your policy started after 1st April 2024 use these documents:
| Product Documents |
| Table of Benefits |
| Table of Benefits Direct Customers |
| Policy Wording |
If your policy started after 1st April 2024 and you are based in Germany use these documents:
| Product Documents |
| Table of Benefits |
| Table of Benefits German |
| Policy Wording |
| Policy Wording German |
If your policy started after 1st April 2024 and you are based in Estonia use these documents:
| Product Documents |
| Table of Benefits |
| Policy Wording |
If your policy started after 1st October 2023 use these documents:
| Product Documents |
| Table of Benefits |
| Policy Wording |
If your policy started after 1st October 2023 and you are Based in Germany use these documents:
| Product Documents |
| Table of Benefits |
| Table of Benefits German |
| Policy Wording |
| Policy Wording German |
If your policy started after 1st October 2023 and you are based in Estonia use these documents:
| Product Documents |
| Table of Benefits |
| Policy Wording |
If your policy started before 1st October 2023 use these documents:
| Product Documents |
| Table of Benefits |
| Policy Wording |
Evolution Health Plan
If you are based outside the European Union we have a compliant product designed in conjunction with our partner Morgan Price International Healthcare Limited – visit our sister website www.morgan-price.com