The Best International Health Insurance Options for You

Living the expat life is all about adventures, but it’s essential to keep your health in check. Let’s dive into everything you need to know about international health insurance for expats, starting with understanding your options.

What is International Health Insurance?

doctor explaining international health insurance

International health insurance is a type of health coverage specifically designed for people living and working outside their home country. It provides peace of mind and financial protection in case of medical emergencies, regular health check-ups, and other healthcare needs while living abroad.

Picture this: you’re living your best life abroad, but suddenly, a medical emergency strikes! That’s where international health insurance swoops in with tailored protection for expats like you, no matter where life takes you.

Types of Health Insurance Plans

types of health insurance

When considering health insurance as an expat, it’s essential to understand the different types of plans available. Each type of plan is designed to meet specific needs and circumstances. Here’s a detailed breakdown of the four main types of health insurance plans:

1. Local Health Insurance

Local health insurance plans are provided by local insurers in your host country. These plans are ideal for expats who plan to stay in the country long-term and are integrated into the local healthcare system. Local health insurance plans often have a more extensive network of healthcare providers and may offer more comprehensive coverage, including preventive care and pre-existing condition coverage.

2. Travel Health Insurance

Travel health insurance plans provide short-term coverage for travelers, typically up to 12 months. These plans are designed for tourists, business travelers, and students, and are not intended for long-term residents. Travel health insurance plans often have a more limited network of healthcare providers and may not offer comprehensive coverage.

3. International Health Insurance

international health insurance illustration

International health insurance plans offer global coverage, making them ideal for expats who frequently travel or live in multiple countries. These plans provide comprehensive coverage, including emergency medical evacuation and repatriation. International health insurance plans often have a wider network of healthcare providers and may offer additional benefits, such as dental and vision coverage.

4. Group Health Insurance

group health insurance

Group health insurance plans are often provided by employers to cover multiple individuals under a single plan. These plans can be customized to meet the needs of the group and may offer more comprehensive coverage, including preventive care and pre-existing condition coverage.

Why Do I Need International Health Insurance as an Expat?

Living abroad can be exciting but it comes with its challenges, especially when it comes to healthcare. International health insurance ensures you have access to quality medical services, can avoid high out-of-pocket expenses on health emergency situations, and comply with local insurance requirements, making your stay overseas smoother and more secure.

why you need international health insurance

From unexpected medical bills to navigating foreign healthcare systems, international health insurance has your back, ensuring you can focus on exploring new horizons without any worries.

Top International Health Insurance Providers for Expats

Choosing a reliable international health insurance provider is crucial as it involves the consideration of various factors. We have taken our time to provide you with some of the top service providers from all over the world. Here are some of the top international health insurance providers known for their expat-friendly plans:


Allianz worldwide care logo

Allianz International Medical Insurance is a great option for people who want the backing of one of the largest companies in the world. They offer a wide range of international health insurance plans known for their flexibility and comprehensive benefits, with robust customer support and easy claim processes.


Cigna healthcare logo

Cigna Global is a great option for expats who want an extensive network and highly customizable benefits. They offer comprehensive coverage in almost any country, with three core plans: Silver, Gold, and Platinum. Their comprehensive plans can be tailored to suit each client’s individual needs, and they offer 24/7/365 customer service. Coverage options include outpatient, worldwide (or cover excluding the USA), health and wellbeing, medical evacuation, and vision/dental.

AXA Global

axa logo

AXA Global Healthcare is perfect for people who want a large global company with a global team. They offer extensive coverage options and a strong network of healthcare providers, with plans tailored to meet the needs of expats worldwide.

AIA Group

AIA Group is a great option for expats moving to countries in Asia, such as China and Singapore. They offer international health insurance, retirement insurance, life insurance, and accident protection, with A.M. Best rating AIA Group divisions separately depending on the nation they are operating in.


GeoBlue logo

GeoBlue Xplorer is ideal for US citizens moving abroad and people moving to the USA. They offer unlimited medical maximum, the most comprehensive benefits in the industry, and members are not required to pay a deductible for standard services such as office visits, preventative care, and outpatient prescriptions.

International Medical Group (IMG)

International Medical group logo

IMG Global Medical Insurance is a great choice for customers who need a wide array of options at a budget-friendly price. They offer four plan options and additional optional modules, with the freedom to choose your healthcare provider wherever you are in the world. You can also choose your coverage area to reflect your geographical area of need.

William Russell

William Russell logo

William Russell is perfect for people who want a personal touch and do not need extensive USA coverage. They offer four plan tiers, each one built around your specific needs, with excellent benefits including top-notch coverage for cancer care and extensive preventive care coverage. Rates can be customized via the deductible you choose and your selected area of coverage.

Bupa Global

bupa Health international health insurance logo

Bupa Global is a great option for citizens of select countries who want the reassurance of the Bupa brand. They offer coverage in the UK and select European countries, with a global team of advisers and health experts who speak multiple languages. A.M. Best has given Bupa Global a B++ rating.

Now Health International

NowHealth Logo Global

Now Health International is ideal for people who want an economical plan with simple options and little or no USA coverage. They offer quality medical coverage worldwide that foreigners living abroad can easily access, with one of their best health insurance plans for international clients being the Now Health WorldCare Plan. A more affordable option is their SimpleCare plan.

Integra Global Health Insurance

integraglobal logo

Integra Global Health Insurance is perfect for expats seeking a bespoke plan tailored to their needs. They specialize in providing health plans to individuals, corporations, and organizations with unique protection needs, covering expatriates, marine professionals, jet setters, and other people with specialized risks. They aim to develop unique international health insurance options that offer outstanding protection, excellent value, and hands-on unbeatable personal service.

Tips for Choosing the Right Plan

Age and Health Status

Consider your age and any pre-existing conditions. Some plans might be more favorable for older individuals or those with specific health needs.

Destination and Local Healthcare System

Research the healthcare system in your destination country. Ensure your plan provides adequate coverage for local medical costs and includes benefits like medical evacuation if necessary.

Coverage Area and Maximum Out-of-Pocket Expenses

Check the geographical coverage of the plan. Some plans offer worldwide coverage, while others might be limited to specific regions. Understand the out-of-pocket maximums to avoid unexpected expenses.

Pre-Existing Condition Coverage and Maternity Care

Look for plans that cover pre-existing conditions and maternity care if applicable. This can be crucial for avoiding high costs and ensuring comprehensive care.

Staying Protected Abroad: Additional Tips and Resources

protected family
Illustration: Designed by Freepik

Regular Check-Ups and Vaccinations

Stay on top of your health with regular check-ups and necessary vaccinations. This can prevent illnesses and help manage any chronic conditions effectively.

Emergency Funds and Evacuation Plans

Always have an emergency fund and be aware of your plan’s evacuation procedures. In case of severe medical emergencies, this can ensure timely and efficient care.

Research and Understanding Local Healthcare Systems

Familiarize yourself with the local healthcare system, including the location of hospitals and emergency services. This knowledge can be invaluable in a crisis.

We hope you enjoyed this post. Subscribe to our newsletter for more. Leave a comment below, we appreciate your feedback. Check out our post on Navigating International Healthcare Systems as an Expat for more insights.

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