Individual and Family Plans
Flexible plans. Flexible Lives.
- Evolution Health
- Evolution Health Asia Pacific
- Flexible Choices Asia
- Evolution Health UK
- Evolution Health EU/EEA
Evolution Health Plan
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 25 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 local nationals 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 policy is not available to any applicants whose primary residence is Cambodia, China, Hong Kong, Indonesia, Japan, Laos, Macau, Malaysia, Myanmar, Philippines, Singapore, South Korea, Taiwan, Thailand, Timor-Leste or Vietnam. Residents of these countries should apply for an Evolution Health Plan (Asia Pacific).
This policy is not available to residents of Cuba, Iran, Ireland, Mauritius, North Korea, United Kingdom and the United Arab Emirates.
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 | ✘ | ✘ | ✘ | ✔ | ✔ |
2024 Policy Literature downloads
If your policy started after April 2024 use these documents
| Product Documents |
| Table of Benefits |
| Table of Benefits Direct Customers |
| Policy Wording |
2023 Policy Literature downloads
If your policy started before April 2024 use these documents
| Product Documents |
| Table of Benefits |
| Policy Wording |
Evolution Health Plan Asia Pacific
Evolution Health Asia Pacific is a health insurance product for the Asia Region. If you are resident in Asia this plan provides the known Evolution Health benefits within your area.
This policy is only available to any applicants whose primary residence is Cambodia, China, Hong Kong, Indonesia, Japan, Laos, Macau, Malaysia, Myanmar, Nepal, Philippines, Singapore, South Korea, Taiwan, Thailand, Timor-Leste or Vietnam.
This health insurance Asia 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 | ✘ | ✘ | ✘ | ✔ | ✔ |
2024 Policy Literature downloads
If your policy started after April 2024 use these documents
| Product Documents |
| Table of Benefits |
| Policy Wording |
2023 Policy Literature downloads
If your policy started before April 2024 use these documents
| Product Documents |
| Table of Benefits |
| Policy Wording |
Flexible Choices Asia
2024 Literature
If your policy started after May 2024 use these documents
| Product Documents |
| Table of Benefits |
| Policy Wording |
| Brochure |
| IPIDs |
| Core IP |
2024 Literature
If your policy started after April 2024 use these documents
| Product Documents |
| Table of Benefits |
| Policy Wording |
| IPIDs |
| Core IP |
Evolution Health Plan EU/EEA
If you are based in the European Union we have an EU compliant product designed in conjunction with our partner Morgan Price (Europe) ApS – visit our sister website www.morgan-price.eu
Evolution Health Plan UK
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 25 years, so has our experience and thinking around how the plans should be designed.
This policy is only available to applicants whose primary residence is UK, Northern Ireland, Gibraltar, or Isle of Man.
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 | ✘ | ✘ | ✘ | ✔ | ✔ |
2024 Literature
| Product Documents |
| Table of Benefits |
| Policy Wording |