There are several expat insurance options available for expats. Each company also has different plans available.
To help you choose a suitable insurance plan for yourself, we compare basic plans of popular expat insurance providers in order to give you a quick overview on what you will get.
We also give you a quick explanation on what each coverage option is about after the table.
Please note that insurance plans are always subject to change. You should check with the insurance company again before purchasing any plan.
Here’s a quick overview of each expat insurance provider:
- Cigna Global is one of the most popular expat insurance providers. Their plans are comprehensive and flexible.
- William Russell has a comprehensive health plan. They can also be more affordable depending on your destination country.
- GeoBlue is known for U.S. coverage and usually recommended for US expats or those who need health coverage in the USA.
- IMG plans are affordable and good for those who are on a budget.
- Now Health plans are also quite comprehensive with high annual limits. But their partnered hospitals can be more limited than other providers.
Alternatively, you can use an insurance company such as International Insurance to help you choose the right plan.
|Area of Coverage||Worldwide excluding USA||Worldwide with restricted cover in the USA|
|Surgery Fee||Paid in full||Paid in full|
|Hospital Expense||Paid in full||Paid in full|
|ICU||Paid in full||Paid in full|
|Cancer Treatment||Paid in full||Paid in full|
|Parental accommodation||$1,000||Not cover|
|MRT, CT, and PET Scans||$5,000||Paid in full|
|Physio Therapy||$2,500||Not cover|
|Home Nursing||$2,500||Not cover|
|Medical Evacuation||Paid in full||Paid in full|
|Newborn Care||$25,000||Not cover|
|Out-Patient Treatment||After hospitalization only||After hospitalization only|
|Partnered Hospitals||1.65 million hospitals||40,000 hospitals|
|Get Quote||Get Quote|
|Annual Limit||$10,00,000 (Lifetime limit)||$3,000,000|
|Area of Coverage||Worldwide excluding USA, Canada, China, hong Kong, Macau, Japan, Singapore, and Taiwan||Worldwide excluding USA|
|Hospital Room||Semi-private||Full Refund|
|Surgery Fee||Paid in full||Full Refund|
|Hospital Expense||Paid in full||Full Refund|
|ICU||Paid in full||Full Refund|
|Cancer Treatment||Paid in full||Full Refund|
|Parental accommodation||N/A||Full Refund|
|MRT, CT, and PET Scans||$600||Full Refund|
|Physio Therapy||N/A||5 Visits|
|Home Nursing||N/A||$100/30 Visits|
|Medical Evacuation||$50,000||Full Refund|
|Out-Patient Treatment||$300 per visit||After hospitalization only|
|Partnered Hospitals||Expansive||Over 5,000 hospitals|
|Get Quote||Get Quote|
|Area of Coverage||Worldwide, including the USA (for travel accident and sickness)|
|Hospital Room||Private Room|
|Surgery Fee||Paid in full|
|Hospital Expense||Paid in full|
|ICU||Paid in full|
|Cancer Treatment||Paid in full|
|Parental Accommodation||Not cover|
|MRT, CT, and PET Scans||Paid in full|
|Physio Therapy||Paid in full|
|Home Nursing||Paid in full, maximum 30 visits|
|Newborn Care||Not cover|
|Out-patient Treatment||Paid in full|
|Partnered Hospitals||Over 180 countries|
Let’s take a look at more details on each terms.
Annual limit is the total maximum amount an insurance provider will pay you in that year. Normally, the higher limit the better.
For a more developed country you may need a higher limit than that.
Area of Coverage
Area of coverage is about the country or countries you will be covered in by your health insurance. Normally, expat insurance comes with worldwide coverage except for the United States.
Most insurance providers have an option to cover the United States, but the premium will also be significantly increased.
If you are hospitalized, your expat insurance provider should pay for the hospital room in full.
However, you should check out your policy well since some providers may only pay for a semi-private room. They may also not pay for premium hospitals in your country.
If you need to have surgery, your insurance should cover the cost in full.
Please note that some plans may not pay for the surgeon’s assistant fee.
Because of the COVID-19 pandemic, you might need to do a COVID-19 test before the surgery. Some plans might not cover this cost either.
Hospital expenses are general expenses for the hospital, such as nursing fees, medications, and so on.
Some insurance providers may also pay for food and drinks while you are hospitalized.
ICU coverage usually covers both intensive care units and cardiac intensive care units.
Cancer treatment coverage may not include preventative surgery.
While you are hospitalized, insurance providers may give an additional daily budget if your parents stay with you.
MRT, CT, and PET Scans
If you are hospitalized, all basic plans should cover MRI, CT scans, PET scans, and medical imaging, including X-rays.
On the other hand, for out-patient treatment, basic plans might not cover it.
If physiotherapy is medically necessary, your insurance may pay for it.
If you need home nursing, the insurance company may also pay for it. They usually have a limit on how much they pay per day. They also have a cap at 30 visits per year on average.
Expat insurance basic plans usually come with domestic medical evacuation. If you need international medical evacuation, you may need to upgrade your plan.
Your insurance company may pay for the cost of baby delivery and maternity-related expenses. Each company has a different definition on this. It’s best to read the policy details.
Newborn care usually has a waiting period of 10 to 12 months.
Out-patient treatment is usually not covered in basic plans unless it’s for follow-up treatment after hospitalization.
If you upgrade your plan to include out-patient treatment coverage, insurance companies usually have a seperate limit on how much you can claim per visit, and how many times you can use this coverage per year.
A deductible is a way to decrease your insurance premiums. It basically means the amount of money you need to pay out of pocket before the insurance company pays you.
Each insurance provider has different rules on deductibles as well.
With some providers, you only need to pay deductibles for in-patient treatment. With others, you may need to pay a deductible if you visit a hospital outside of their network.
Co-share may also be called “Co-pay”. It basically means the percentage you need to pay out of pocket when you make a claim.
For example, if your plan has a 10% copay and you make a claim of $10,000, it means you need to pay $1,000 yourself and the insurance company pays the rest.
A high number of partnered hospitals is usally better. It means that the insurance provider has an agreement with that hospital. They may also have the direct-billing system set up, so that you don’t need to pay first and make a claim later when visiting a hospital in their network.
However, it doesn’t mean that the insurance company will always pay when you visit a hospital in their network. You should contact them to get prior authorization first.