If you are an expat looking to buy an insurance plan, there are many insurance providers that cater specifically to foreigners like you. But before you decide on a plan or provider, there are four important factors you need to consider:
- Type of plan: Most, if not all, insurance providers offer at least three to five types of plans, starting with a basic plan that only provides coverage for major medical/hospitalization services to a high-level plan with comprehensive coverage that includes routine health check-ups, maternity, and a generally better outpatient coverage. Some providers may even offer a “worry-free” plan that comes with unlimited hospitalization and outpatient services coverage.
- Exclusion: Exclusions are general policy terms that all insurers impose, and these can vary widely from insurer to insurer. It’s always worth reading the exclusions in the policy wording or (terms- & conditions) before making a decision. Note that even the highest premium plans have exclusions; and a high premium does not automatically mean it’s a better plan than a lower priced plan.
- Area of coverage: If you only need coverage within a certain region such as, for example, South East Asia or Africa, then it’s worth checking out plans specifically created for these particular regions because they are usually cheaper than plans that offer worldwide (excluding the U.S.) coverage. Note that most plans include worldwide emergency cover (including the U.S.) for temporary trips outside of one’s area of coverage.
- Pricing: When choosing a plan, you should consider community rating, a pricing system for health insurance that enables everyone to purchase the same product at the same price and renew the policy. Community rating is beneficial for consumers because they can be assured that their age, location, and other individual details won’t impact the product’s price and terms. On the other hand, if both community rating and performance rating apply to the plan’s price, it means that the rates will be based on your personal claims history too. Ask your advisor or the insurance provider directly about a plans renewal policy; what increase to be expected and how they increase your plan in case of a claim, before making any decision.
Here are a few companies that offer good health insurance options for expats.
- Cigna Healthcare – one of the most known expat insurance providers out there. They offer a variety of plans, from basic (Silver) to comprehensive (Gold) to worry-free plans (Platinum). However, Cigna is one of the most expensive providers as well.
- GeoBlue – is known for its coverage plans in the U.S. and is usually recommended for expats who need health coverage in the U.S. The company provides considerable access to the U.S. healthcare network.
- Passport Card – one of the most unique health insurance providers globally through their credit card member card, which provides a tool for easy & bureaucracy free direct claims handling without the need to go through any pay & claims process. Depending on the region / country, but also area of coverage their very comprehensive plans can be affordable, but usually are in the top price range, which however is in line with the service and benefits they provide. Passport Card’s plans are underwritten by MGEN and Allianz.
- Allianz Care – a true global brand with worldwide reach and customer service in multiple languages and tailor made available plans based on clients needs. Allianz price range is comparable with Cigna, which means you are paying for the name as well. If you want a solid and trustworthy insurance on your side, but money is secondary, then Allianz is your option.
- William Russell – offers several types of health insurance plans: basic hospitalization plan (Brronze), mid-level plan (Silver Lite), comprehensive plan (Silver), and an all-around plan (Gold) and depending on the region and area of coverage their plans can be very competitive. William Russell’s plans are underwritten by Allianz.
- Morgan Price – is an insurance provider based in the UK that offers great regional options. Their Flexible Choice plan provides great deals with a variety of modules in multiple regions, such as South East Asia, Africa, or South America. Morgan Price plans are underwritten by Antea International Insurance.
- ACS – very competitive rates for anyone residing in none high cost countries and is looking for a budget plan, with a variety of different tailor options from just basic Inpatient plans (Bronze, Silver Gold, Platinum) to all-inclusive options including Outpatient, Wellness, Dental, additional Evacuation & Repatriation plan. ACS’s plans are underwritten by MGEN.
- IMG Global/IMG International – through their Global Prima plan (former ALC), IMG is offering a variety of affordable plans, from Basic Inpatient to top tier all-inclusive packages, which can be one of the lowest price options, depending on the region. IMG’s plans are underwritten by SiriusPoint.
- Genki – your Digital Nomad and Perpetual Traveller specialist. Genki has no Basic Inpatient only plan yet, but their plans are comprehensive, fair priced and truly for people on the road permanently with worldwide cover and no change of price if “moving” to another country. Their unique position is an instant online underwriting procedure with the possibility of covering pre-existing conditions with premium loading. Genki plans are underwritten by Squarelife
- BDAE – this Germany-based insurance provider offers valuable plans for reasonable premiums. All of its plans are offered in five specific regions and provide coverage only in certain zones within the insured person’s country of residence and the zones outlined below. For that reason, the plans’ prices are relatively lower compared to similar plans that include coverage in other countries. Bdae does not exclude pre-existing conditions; either an application is accepted with premium loading for pre-existing conditions, or declined entirely.
- April International – this well known France based insurer provides multiple plan options from a purely Emergency only plan up to their top tier “all-inclusive” Premium plan with a variety of plan adjustment options, which helps customers to tailor their plans based on their actual needs. For bigger families with more than 2 children, April in particular is a great option because they are free of charge.
- Expatriate Group – a smaller provider based in the UK with straight forward plan choices from Inpatient only to all inclusive comprehensive plan. Their plans are underwritten by UK based Strategic Insurance Services Limited.
- Vumi – is a good alternative to GeoBlue for U.S.-based expats, as it has the same features and coverage as GeoBlue.
- Now Health – these plans are quite comprehensive and come with high annual limits. Now Health has two product lines to offer, SimpleCare and WorldCare. SimpleCare is a budget plan with limited hospital access within the covered region. On the other hand, WorldCare is more comprehensive, has a worldwide coverage, and comes with several options: basic hospitalization coverage (Essential); including outpatient services included (Advance); including dental services (Excel); and a high premium plan that includes maternity coverage (Apex).
- HCI (Health Care international) – HCI group includes a couple of specialized brands such as IntegraGlobal, Marninesure or Ocean Care. For anyone looking for cruise or long-term boat trip medical coverage, then those are very good addresses with specialized customers service focusing on people living offshore. Their plans are underwritten by MGEN and VYV International Benefits
You have several options when choosing the right plan. If you are still uncertain about which insurance option to choose, you can check out Cigna Global. They offer a comprehensive insurance plan that can be tailored to suit your specific requirements.
However, if you are rather looking for a budget option with good service instead, then you may have a look at the following alternative recommended solutions:
- Basic – Inpatient / Hospitalization only
- Basic Plus – including limited Outpatient
- Comprehensive – including Outpatient, Routine check-ups & Dental
- Maternity coverage – including comprehensive Maternity benefits
- USA option – including elective coverage in the US without duration limit
But please keep in mind that not all options fit for all circumstances and especially not for all geographic areas. For specific’s it is always better to consult with an adviser.
Alternatively, getting expat health insurance through a broker is smarter than going straight to an insurance company. Brokers give unbiased advice based on your needs, not a company’s sales goals. They compare plans across companies – something you will never get from an insurance company.
Brokers also explain the fine print and help you avoid surprises like hidden exclusions. Plus, they know from experience which insurance companies are easy to deal with and which ones are a hassle. If you have issues with a claim, a good broker will fight for you.
We recommend International Insurance as a broker. We’ve worked with them for years and consistently hear positive feedback from our readers.
Self-Comparison
If you want to compare plans yourself, you can refer to the comparison table of different insurance providers below. We categorized plans into five categories:
- basic level (Inpatient only)
- extended level (Inpatient + limited Outpatient coverage)
- comprehensive level (In- & Outpatient coverage which includes Routine check-up / Wellness as well Dental)
- Options for Maternity coverage
- Options for U.S. citizens
You can compare prominent providers’ offerings for each category.
Since rates can vary widely across countries/areas of coverage and are based on age as well influenced by deductibles / excess / co-pays, we have turned down the idea of providing quote examples. Instead, you can click on each provider and gain your own quotation directly at their website, which gives you a clear idea of costs and you can check for any further information they may provide.
If you feel overwhelmed by the data, you can talk to a broker and get their advice.
Please note that insurance plans and coverage are always subject to changes at some point. So make sure to check with the insurance company or broker before purchasing any plan.
Don’t have time to compare plans right now? No worries! Enter your email below, and we’ll send you the PDF version of our expat health insurance comparison. You can review and compare plans at your convenience.
Basic Plans (Major Medical/Hospitalization)
| Provider | Morgan Price | ACS | April |
| Notes | fair priced in low cost regions | fair priced in most regions | child 3 and more free of charge |
| Insurance Plan Suggestion | Flexible Choice Asia Inpatient only | ACS Expat – Bronze, Silver, Gold & Platinum Inpatient only | Essential Inpatient only |
| Geographical Coverage | various options (regional to worldwide; options depend on residency) | 3 different coverage areas from low cost countries to high cost | 6 different coverage areas from low cost countries to high cost |
| Emergency Cover Outside the Area of Coverage | up to $100,000 for 30 days travel period | covered in full up to 7 weeks per trip | up to 90 days |
| Deductible / Excess / Co-pay Options | annual Inpatient deductibles and / or Outpatient co-pay | different annual deductibles | annual deductibles or Outpatient co-pay |
| Overall Annual Limit Options | from $250K to $1 million | $500K – $3 million | $1,000,000 |
| Hospitalization Inpatient | Standard-Private Room | Standard-Private Room (sublimits may apply) | Standard Private Room (up to $75 per day) |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | up to $250,000 | covered in full | covered in full |
| Out Patient Care | 15 days Pre- & Post hospitalization | 90 days Post Hospitalization | 30 days Pre- & Post Hospitalization |
| Outpatient Cover | included for Pre- & Post – Hospitalization | included for Post – Hospitalization | included for Pre- & Post – Hospitalization |
| Outpatient Surgery | covered in full | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergencies only | Emergency only | Emergency only |
| Emerg. Dental from Accident | covered in full | covered in full | up to $1,500 & plastic surgery fully covered |
| Dental (Routine & Major Treatments) | not covered (optional) | not covered | not covered |
| Additional Benefits | |||
| Annual Routine Health Check | not covered | not covered | not covered |
| Maternity & Childbirth | not covered | not covered | not covered |
| Emergency Evac & Repatriation | covered in full | Evac covered fully (Assistanz Plus optional) | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR annual, semi, quarterly, monthly (no surcharge) |
| Get Quote | Get Quote | Get Quote |
Basic Plans (Major Medical/Hospitalization) – Continue
| Provider | William Russell | ALC / IMG | BDAE |
| Notes | great value in certain low cost regions – child only accepted – | great value for Europe | no exclusion of pre-existing conditions; either acceptance or rejection |
| Insurance Plan Suggestion | Silver Lite In- & limited Outpatient | Global Prima – Bronze Plus In- & limited Outpatient | Expat Infinity – Classic limited Outpatient incl. screenings & Routine Dental |
| Geographical Coverage | various options (regional to worldwide; options depend on residency) | Worldwide excluding USA | 4 different coverage areas from low cost countries to high cost |
| Emergency Cover Outside the Area of Coverage | depennding on area of cover | up to $20,000 for max 30 days | covered in full for trips up to 60 days |
| Deductible / Excess / Co-pay Options | annual deductibles or Excess per claim | annual deductible | annual deductibles |
| Overall Annual Limit Options | $1,500,000 | $2,000,000 | unlimited |
| Hospitalization Inpatient | Standard Semi- or Private Room | Standard-Private Room | Semi-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | up to $100,000 | covered in full |
| Out Patient Care | up to $5 / 7.5 / 10K optional | up to $5,000 | up to €15,000 |
| Outpatient Cover | Consultations, Medication and Specialist fees up to $2,500 | covered within Outpatient limit | up to Outpatient Limit |
| Outpatient Surgery | within Outpatient limit | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency only (optional) | Emergency only (optional) | Routine included |
| Emerg. Dental from Accident | Inpatient up to $5,000 | not covered (optional) | covered in full |
| Dental (Routine & Major Treatments) | not covered (optional) | not covered (optional) | Routine treatment fully covered Major not covered |
| Additional Benefits | |||
| Annual Routine Health Check | not covered | not covered | cancer screening included |
| Maternity & Childbirth | not covered | not covered | not covered |
| Emergency Evac & Repatriation | covered in full | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | EUR annual, semi, quarterly, monthly (small surcharge may apply) |
| Get Quote | Get Quote | Get Quote |
Extended Plans (Including Limited Outpatient Treatments)
| Provider | Cigna | ACS | Morgan Price |
| Notes | no age limit for new applicants | fair priced in most regions | fair priced in low cost regions |
| Insurance Plan Suggestion | Silver Inpatient + Outpatient option | Expat – Silver & Gold In- & Outpatient (sublimits) | Evolution Standard Plus In- & limited Outpatient |
| Geographical Coverage | Worldwide excluding USA or including US for up to 3 months | 3 different coverage areas from low cost countries to high cost | various options (regional to worldwide; options depend on residency) |
| Emergency Cover Outside the Area of Coverage | covered up to $100,000 (21 days per trip – 60 max per year) | covered in full up to 7 weeks per trip | up to $25,000 for 30 days travel period |
| Deductible / Excess / Co-pay Options | Inpatient deductible or co-pay & Outpatient deductible or co-pay | different annual deductibles | annual deductibles and / or Outpatient co-pay |
| Overall Annual Limit Options | $1,000,000 | $1 – $2 million | $750,000 |
| Hospitalization Inpatient | Standard-Private Room | Standard-Private Room (up to $150 / $250 per day) | Standard-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | covered in full | up to $100,000 |
| Out Patient Care | up to $10,000 | up to annual overall limit | up to $2,500 |
| Outpatient Cover | up to Outpatient annual limit GP up to $125 per visit – 15 visits max / prescribed drugs up to $500 / Diagnostic test up to $2,500 | up to €65 / $150 per visit | up to Outpatient limit |
| Outpatient Surgery | covered in full (MRI, CT, PET scans up to $5,000 – combined In- and Outpatient limit) | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency only (optional) | Emergency only (optional) | Emergencies only |
| Emerg. Dental from Accident | up to $1,000 | covered in full | covered in full |
| Dental (Routine & Major Treatments) | not covered (optional) | not covered (optional) | not covered |
| Additional Benefits | |||
| Annual Routine Health Check | not covered (optional) | Routine check-up €300 cancer screening €300 | check-ups included up to $300 cancer screening up to $1,000 Travel Vaccine $50 / Child $50 |
| Maternity & Childbirth | not covered | not covered | not covered |
| Emergency Evac & Repatriation | not covered (optional) | Evac covered fully (Assistanz Plus optional) | covered in full (optional Home country repatriation plan) |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) |
| Get Quote | Get Quote | Get Quote |
Extended Plans (Including Limited Outpatient Treatments) – Continue
| Provider | William Russell | ALC / IMG | BDAE |
| Notes | great value in certain low cost regions – child only accepted – | great value for Europe | no exclusion of pre-existing conditions; either acceptance or rejection |
| Insurance Plan Suggestion | Silver Lite In- & limited Outpatient | Global Prima – Bronze Plus In- & limited Outpatient | Expat Infinity – Classic limited Outpatient incl. screenings & Routine Dental |
| Geographical Coverage | various options (regional to worldwide; options depend on residency) | Worldwide excluding USA | 4 different coverage areas from low cost countries to high cost |
| Emergency Cover Outside the Area of Coverage | depennding on area of cover | up to $20,000 for max 30 days | covered in full for trips up to 60 days |
| Deductible / Excess / Co-pay Options | annual deductibles or Excess per claim | annual deductible | annual deductibles |
| Overall Annual Limit Options | $1,500,000 | $2,000,000 | unlimited |
| Hospitalization Inpatient | Standard Semi- or Private Room | Standard-Private Room | Semi-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | up to $100,000 | covered in full |
| Out Patient Care | up to $5 / 7.5 / 10K optional | up to $5,000 | up to €15,000 |
| Outpatient Cover | Consultations, Medication and Specialist fees up to $2,500 | covered within Outpatient limit | up to Outpatient Limit |
| Outpatient Surgery | within Outpatient limit | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency only (optional) | Emergency only (optional) | Routine included |
| Emerg. Dental from Accident | Inpatient up to $5,000 | not covered (optional) | covered in full |
| Dental (Routine & Major Treatments) | not covered (optional) | not covered (optional) | Routine treatment fully covered Major not covered |
| Additional Benefits | |||
| Annual Routine Health Check | not covered | not covered | cancer screening included |
| Maternity & Childbirth | not covered | not covered | not covered |
| Emergency Evac & Repatriation | covered in full | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | EUR annual, semi, quarterly, monthly (small surcharge may apply) |
| Get Quote | Get Quote | Get Quote |
Comprehensive Plans (Including Outpatient, Routine Check-ups, Dental / Vision & Maternity)
| Provider | Cigna | Passport Card DE | Morgan Price |
| Notes | no age limit for new applicants | unique membership card with worldwide direct billing possibility | comprehensive and fair priced plan in most regions |
| Insurance Plan Suggestion | Gold incl. Maternity, optional Outpatient, check-ups, Dental & Emergency Assistance | Comprehensive incl. check-ups, Dental & Maternity | Evolution – Comprehensive incl. check-ups & Dental |
| Geographical Coverage | Worldwide excluding USA or including US for up to 3 months | Worldwide including or excluding USA | various options (regional to worldwide; options depend on residency) |
| Emergency Cover Outside the Area of Coverage | fully covered (21 days per trip – 60 days per year max) | covered in full up to 60 days per trip | up to $100,000 for 30 days travel period |
| Deductible / Excess / Co-pay Options | Inpatient deductible or co-pay & Outpatient deductible or co-pay | annual Inpatient deductible | annual Inpatient deductibles and / or Outpatient co-pay |
| Overall Annual Limit Options | $2 million | €3,500,000 | $1,000,000 |
| Hospitalization Inpatient | Standard-Private Room | Standard Semi- or Private Room | Standard-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | up to €250,000 Lifetime | up to $200,000 |
| Out Patient Care | up to $25,000 | up to annual overall limit | up to $5,000 |
| Outpatient Cover | max 30 GP visits up to $250 each Diagnostic test up to $5,000 | covered in full | up to Outpatient limit |
| Outpatient Surgery | covered in full (MRI, CT, PET scans up to $10,000 combined In- and Outpatient limit) | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency only / optional | Emergency only / optional | included |
| Emerg. Dental from Accident | covered in full | up to €6,000 | covered in full |
| Dental (Routine & Major Treatments) | optional: up to $2,500 | optional: up to €2,000 or €5,000 | included Routine Dental up to $750 Major Dental up to $750 |
| Additional Benefits | |||
| Annual Routine Health Check | up to $450 for Routine Check-ups Vaccination covered in full | routine check-ups up to €200 + €200 for Vaccinations Well Child included fully | check-ups included up to $300 cancer screening up to $1,000 Travel Vaccine $75 / Child $75 |
| Maternity & Childbirth | Inpatient up to $7,000 Pre- & post-natal care $3,500 Complications up to $14,000 | up to €5,000 complications up to €100,000 | not covered |
| Emergency Evac & Repatriation | not covered (optional) | covered in full | covered in full (optional Home country repatriation plan) |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) |
| Get Quote | Get Quote | Get Quote |
Comprehensive Plans (Including Outpatient, Routine Check-ups, Dental / Vision & Maternity) – Continue
| Provider | April | William Russell | Genki |
| Notes | child 3 and more free of charge | great value in certain low cost regions – child only accepted – | instant online review and offer for pre-existing conditions |
| Insurance Plan Suggestion | Comfort including check-ups & Dental option | Silver including check-ups & Dental option | Native – Premium incl. check-ups, Dental & Maternity |
| Geographical Coverage | 6 different coverage areas from low cost countries to high cost | various options (regional to worldwide; options depend on residency) | Worldwide including or excluding USA & Canada |
| Emergency Cover Outside the Area of Coverage | up to 90 days | depennding on area of cover | up to €250,000 for up to 30 days per year |
| Deductible / Excess / Co-pay Options | annual deductibles or Outpatient co-pay | annual deductibles or Excess per claim | annual deductibles |
| Overall Annual Limit Options | unlimited JP, SNG, US limited | $2,500,000 | unlimited |
| Hospitalization Inpatient | Standard Private Room | Standard-Private Room | Standard-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | covered in full | covered in full |
| Out Patient Care | unlimited | up to annual overall limit | unlimited |
| Outpatient Cover | 10 consultation covered in full from 11th = $200 per consultation | covered in full | covered in full |
| Outpatient Surgery | covered in full | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency only / optional | Emergency only / optional | included |
| Emergency. Dental from Accident | covered in full | Inpatient covered in full Outpatient up to $500 | covered in full |
| Dental (Routine & Major Treatments) | optional: up to $3,000 | optional: Routine = $1,000 Complex = $1,500 | up to €2,000 (annual cleaning up to €200) |
| Additional Benefits | |||
| Annual Routine Health Check | Screenings covered in full routine check-ups up to $800 | up to $400 Vaccination up to $150 Well Child up to $400 | up to €250 including Vaccination |
| Maternity & Childbirth | not covered (optional) | not covered | covered in full |
| Emergency Evac & Repatriation | covered in full | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge) | EUR annual, semi, quarterly, monthly (no surcharge) |
| Get Quote | Get Quote | Get Quote |
Maternity Options (Plans with Particularly Good Value for Maternity Coverage)
| Provider | Cigna | Passport Card DE | BDAE |
| Notes | no age limit for new applicants | unique membership card with worldwide direct billing possibility | no exclusion of pre-existing conditions; either acceptance or rejection |
| Insurance Plan Suggestions | Gold or Platinum incl. Maternity, optional Outpatient, check-ups, Dental & Emergency Assistance | Comprehensive or Executive incl. check-ups, Dental & Maternity | Expat Infinity – Premium incl. check-ups, Dental & Maternity |
| Geographical Coverage | Worldwide excluding USA or including US for up to 3 months | Worldwide including or excluding USA | 4 different coverage areas from low cost countries to high cost |
| Emergency Cover Outside the Area of Coverage | fully covered (21 days per trip – 60 days per year max) | covered in full up to 60 days per trip | covered in full for trips up to 60 days |
| Deductible / Excess / Co-pay Options | Inpatient deductible or co-pay & Outpatient deductible or co-pay | annual Inpatient deductible | annual deductibles |
| Overall Annual Limit Options | $2 million or unlimited | €5,000,000 | unlimited |
| Hospitalization Inpatient | Standard-Private Room | Standard-Private Room | Standard-Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | covered in full | covered in full |
| Out Patient Care | $25,000 or up to overall limit | up to annual overall limit | unlimited |
| Outpatient Cover | covered in full | covered in full | covered in full |
| Outpatient Surgery | covered in full | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | optional | optional / included | included |
| Emerg. Dental from Accident | covered in full | up to €6,000 | covered in full |
| Dental (Routine & Major Treatments) | optional: up to $5,500 – Co-Pay: 0% except Orthodontic = 50% Co-Pay | Comprehensive optional: up to €2,000 or €5,000 (Executive €5,000 included) | Routine treatment fully covered Major up to €4,000 (90%) |
| Additional Benefits | |||
| Annual routine Health Check | optional: up to $600 for Routine Check-ups Vaccination covered in full | routine check-ups up to €1,000 + €500 for Vaccinations Well Child included fully | cancer screening included Check-ups €400 |
| Maternity & Childbirth including Maternity Complications | Inpatient up to $14,000 Pre- & post-natal care $7,000 Complications up to $28,000 | up to €5,000 or 25,000 complications fully covered | covered in full |
| Emergency Evac & Repatriation | not covered (optional) | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | EUR annual, semi, quarterly, monthly (small surcharge may apply) |
| Get Quote | Get Quote | Get Quote |
Maternity Options (Plans with Particularly Good Value for Maternity Coverage) – Continue
| Provider | Morgan Price | April | William Russell |
| Notes | fair priced in low cost regions | child 3 and more free of charge | great value in certain low cost regions – child only accepted – |
| Insurance Plan Suggestions | Evolution Premium including check-ups, Dental & Maternity | Comfort or Premium Outpatient including check-ups Maternity & Dental optional | Gold incl. check-ups, Dental & Maternity |
| Geographical Coverage | various options (regional to worldwide; options depend on residency) | 6 different coverage areas from low cost countries to high cost | various options (regional to worldwide; options depend on residency) |
| Emergency Cover Outside the Area of Coverage | up to $70,000 for 30 days travel period | up to 90 days | depennding on area of cover |
| Deductible / Excess / Co-pay Options | annual Inpatient deductibles and / or Outpatient co-pay | annual deductibles or Outpatient co-pay | annual deductibles or Excess per claim |
| Overall Annual Limit Options | $1,500,000 | unlimited JP, SNG, US limited | $5,000,000 |
| Hospitalization Inpatient | Standard-Private Room | Standard Private Room | Standard Semi- or Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | up to $250,000 | covered in full | covered in full |
| Out Patient Care | up to $10,000 | unlimited | up to annual overall limit |
| Outpatient Cover | up to Outpatient limit | 10 consultation covered in full from 11th = $200 per consultation | covered in full |
| Outpatient Surgery | covered in full | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | included | Emergency only / optional | included |
| Emerg. Dental from Accident | covered in full | covered in full | Inpatient covered in full / Outpatient up to $1,000 |
| Dental (Routine & Major Treatments) | included Routine Dental up to $1,000 Major Dental up to $1,000 (Orthodontic $500) | optional: up to $3,000 | Routine = $1,500 Complex = $2,000 |
| Additional Benefits | |||
| Annual Routine Health Check | check-ups included up to $500 cancer screening up to $1,000 Travel Vaccine $100 / Child $100 | Screenings covered in full routine check-ups up to $800 | up to $750 Vaccination up to $250 Well Child up to $400 |
| Maternity & Childbirth including Maternity Complications | up to $7,500 complications up to $15,000 | optional: up to $3 or 6,000 complications covered in full | up to $15,000 complications covered in full |
| Emergency Evac & Repatriation | covered in full (optional Home country repatriation plan) | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge) |
| Get Quote | Get Quote | Get Quote |
Worldwide Coverage, including the US
| Provider | Cigna | April | Allianz WW Care |
| Notes | no age limit for new applicants | child 3 and more free of charge | |
| Insurance Plan Suggestion | Gold or Platinum incl. Maternity, optional Outpatient, check-ups, Dental & Emergency Assistance | Comfort or Premium Outpatient including check-ups Maternity & Dental optional | Care Plus Active Pro OP incl Wellness + Smile Dental |
| Geographical Coverage | Worldwide | Worldwide | Worldwide |
| Emergency Cover Outside the Area of Coverage | covered up to $250,000 (21 days per trip – 60 max per year) | up to 90 days | Covered in Full maximum 42 days |
| US Clinic Network | Cigna | Aetna | Allianz |
| Deductible / Excess / Co-pay Options | Inpatient deductible or co-pay & Outpatient deductible or co-pay | annual deductible or Outpatient co-pay | annual deductible or Outpatient deductible |
| Overall Annual Limit Options | $2,000,000 | US = $1,500,000 outside US unlimited | $4,000,000 |
| Hospitalization Inpatient | Standard Private Room | Standard Private Room | Standard Private Room |
| Cancer Care | covered in full | covered in full | covered in full |
| Organ Transplant | covered in full | covered in full | covered in full |
| Out Patient Care | up to $25,000 | up to annual overall limit | up to $25,650 |
| Outpatient Cover | covered in full up to Outpatient annual limit (GP up to $250 per visit – 30 visits) (Diagnostic test up to $5,000) | 10 consultation covered in full from 11th = $200 per consultation | covered in full up to Outpatient annual limit |
| Outpatient Surgery | covered in full | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full | covered in full |
| Dental | Emergency / optional | Emergency / optional | Emergency / optional |
| Emerg. Dental from Accident | covered in full | covered in full | covered in full |
| Dental (Routine & Major treatments) | optional: up to $2,500 – Co-Pay: Basic 10% / Major 20% / Orthodontic 50% Co-Pay | up to $3,000 (optional) | optional: up to $2,770 or unlimited Co-Pay: 20% / Orthodontic 50% |
| Additional Benefits | |||
| Annual Routine Health Check | up to $450 for Routine Check-ups Vaccination covered in full | Screenings covered in full routine check-ups up to $800 | up to $810 (Travel vaccinations in full) |
| Maternity & Childbirth | Inpatient up to $7,000 Pre- & post-natal care $3,500 Complications up to $14,000 | optional: up to $6,000 | optional |
| Emergency Evac & Repatriation | not covered (optional) | covered in full | covered in full (Where the necessary treatment is not available locally, you can choose to be medically repatriated to your home country instead of the nearest appropriate medical centre) |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge) |
| Get Quote | Get Quote | Get Quote |
Worldwide Coverage, including the US – Continue
| Provider | Passport Card DE | ALC / IMG |
| Notes | unique membership card with worldwide direct billing possibility | great value for Europe |
| Insurance Plan Suggestion | Comprehensive or Executive In- & Outpatient incl Routine check-ups & Dental | Global Prima – Gold In- & Outpatient incl. check-ups |
| Geographical Coverage | Worldwide | Worldwide |
| Emergency Cover Outside the Area of Coverage | covered in full up to 60 days per trip | up to $40,000 for max 30 days |
| US Clinic Network | Allianz | IMG |
| Deductible / Excess / Co-pay Options | annual Inpatient deductible | annual deductible |
| Overall Annual Limit Options | €5,000,000 | $4,000,000 |
| Hospitalization Inpatient | Standard Private Room | Standard Private Room |
| Cancer Care | covered in full | covered in full |
| Organ Transplant | covered in full | up to $250,000 |
| Out Patient Care | up to annual overall limit | up to annual overall limit |
| Outpatient Cover | covered in full | covered in full |
| Outpatient Surgery | covered in full | covered in full |
| Outpatient Cancer Care | covered in full | covered in full up to overall annual limit |
| Dental | included | Emergency / optional |
| Emerg. Dental from Accident | up to €6,000 | covered in full |
| Dental (Routine & Major treatments) | included: up to €5,000 | up to $2,000 (optional) |
| Additional Benefits | ||
| Annual Routine Health Check | routine check-ups up to €1,000 + €500 for Vaccinations Well Child included fully | Routine check-ups up to $500 Vaccinations up to $250 |
| Maternity & Childbirth | up to €25,000 | not covered |
| Emergency Evac & Repatriation | covered in full | covered in full |
| Premium Payment Options (Currency / Frequency & Surcharge) | USD / EUR annual, semi, quarterly, monthly (no surcharge) | USD / EUR / GBP annual, semi, quarterly, monthly (surcharge significant) |
| Get Quote | Get Quote |
International Insurance Plans with U.S. Coverage
Most of the above options and other international medical insurance plans can be purchased with elective coverage in the US, although most plans provide emergency coverage if the insured is traveling to the U.S. temporarily, such as for a vacation or business trip.
However, there are a few plans that have particular advantages over others, and these are plans mostly from American-based providers that know the needs of U.S. citizens living abroad:
- Cigna: Elective U.S. coverage for U.S. citizens is considerably cheap, but it provides only three months coverage in the U.S. while living abroad. For any other nationalities, their U.S. coverage is as expensive as most other providers’.
- IMG US (Global Medical Insurance) : They offer worldwide coverage with additional co-pay depending on the hospital.
- Within U.S. PPO Network = no co-pay
- Outside US PPO Network = 20% co-pay for the first $5,000 cost; nil copay afterwards
- VUMI: There is no additional copay or deductibles for U.S. elective cover, but the overall annual limit for the U.S. is $3,000,000
- GeoBlue: This is good for U.S. citizens, in general.
Plan Explanation
Let’s take a look at the following terms in detail.
Annual Limit
Annual limit is the total maximum amount that an insurance provider will pay you in a particular year. Generally speaking, the higher the limit, the better.
Note that the annual limit can also depend on the country you are living in. If you are living in a country like Thailand or Indonesia, an annual limit of $1,000,000 is usually enough. If you are living in a developed country, you may need a higher limit than that, just to be safe.
Area of Coverage
Area of coverage refers to the country or countries where you will be covered by your health insurance provider. Many IPMI plans (international private medical insurances) come worldwide, excluding the United States coverage (including emergency cover in the US). However, there are also many options for regional cover such as South East Asia or Africa for example, which can be significantly cheaper.
Most insurance providers have an option to provide coverage in the United States, but the premium will be significantly increased.
Hospital Room
If you are hospitalized, your insurance provider should pay for the hospital. If the costs are covered in full or just partially depends on the policy. Some policies for example have room restrictions up to a certain amount per day.
Note that some providers may pay only for a semi-private room, while some providers may not pay for premium “5 Star” hospitals in certain countries.
Surgery Fees
If you need to have surgery, your insurance will cover the cost. There can be sublimits depending on the policy, but usually it is fully covered. Please note that some plans may not pay fully for the surgeon’s assistant fee or other related surgery costs (always check the detailed benefits; especially for hospitalization coverage).
Hospital Expenses
Hospital expenses refer to general expenses, such as nursing fees, medications, and so on.
ICU
ICU coverage usually includes both regular intensive care units and cardiac intensive care units.
Cancer Treatment
Cancer treatment coverage may not include preventative surgery. However, if a doctor recommends surgery because the cancer is early-stage, then the treatment will be covered under the cancer treatment benefit unless it is a preexisting condition.
Parental Accommodation
Some plans may give an additional daily budget for parents to stay with their children while hospitalized.
MRT, CT, and PET Scans
If you get hospitalized, all basic plans should cover the costs of MRI, CT scans, PET scans, and medical imaging, including X-rays.
On the other hand, basic plans might not cover such procedures for outpatient treatment costs.
Physiotherapy
If physiotherapy is deemed necessary, your insurance may pay for it. If provided under a basic hospitalization plan, then as long as treatments last in the hospital. For plans including Outpatient, physiotherapy is usually included up to a certain amount of sessions and / or limit.
Home Nursing
If you need home nursing, the insurance company may also pay for it. The company usually imposes a limit on how much they pay per day. And they may have a cap of 30 visits per year, on average.
Medical Evacuation & Repatriation
IPMI plans usually come with medical evacuation to the nearest appropriate medical facility, which can deal with one’s condition.
Such medically necessary evacuation will always be within the area of coverage. As soon as you are able to travel again, your insurer may arrange a transport or pay for the return to your country of residence.
Unlike for travel medical insurances, Repatriation under IPMI plans does not mean back to your home country. However, some providers offer additional “Home Country Evacuation & Repatriation” coverage.
Maternity cover & Newborn Care
Your insurance plan may pay for the cost of Maternity including pre- & postnatal treatments and the delivery. Usually there are particular designed plans for Maternity or such benefits are available as an add-on; every insurance provider has their own strategy for maternity related benefits.
Maternity benefits usually come with a waiting period of 10 to 12 months.
Newborn care is usually automatically included if maternity benefits are included in the plan, but the terms differ slightly between all providers. Generally speaking, the newborn is covered under the mothers maternity benefits for the first 30 days and can be enrolled into the mothers or the family policy without further underwriting within the first 30 days. If the newborn was not covered under the mothers policy, then usually the baby can only be enrolled after the first 30 days and underwriting is required.
Outpatient Treatment
Outpatient treatment means any minor medical issue which can be treated instantly without the need of admission to a hospital. However, many basic Inpatient only plans also cover Outpatient surgeries or Outpatient cancer treatments to avoid unnecessary high hospital charges.
Outpatient options vary significantly between different insurance providers, from low annual limits such as just $1,000 annually with many sub-limits for different treatment types, up to even unlimited Outpatient coverage without any limits.
Deductible / Excess
A deductible refers to the amount of money you need to pay out of pocket first, before the insurance company jumps in and covers your treatments. The higher the deductible / excess, the higher will be the saving on your insurance premium and usually it does make sense to work with a deductible / excess.
Excess is mostly used in the same context as a Deductible (per annum), but can also be used as Excess per condition and it is important to understand the difference and to check these terms before signing up.
Deductibles can be only for inpatient treatments, or just for Outpatient, or for all treatments in general; ever insurance company has their own terms with regards to Deductibles / Excess & co-pays.
Co-payment
Co-payment refers to the percentage you need to pay out of pocket when you make a claim. (Excess is sometimes used in this context as well, which is then a fixed amount per claim or condition)
For example, if your plan has a 10% co-pay and you are making a claim for a total of $10,000, you will have to pay $1,000 yourself and the insurance company will pay for the rest ($9,000).
Which Health Insurance Plan Should You Get?
If you’ve gotten this far and you’re still not sure which insurance plan to get (or you feel overwhelmed by all the info), we recommend you try Cigna Healthcare.
Being one of the largest expat health insurance providers in the world, Cigna Global has suitable health insurance plans no matter where you live. In addition, its plans are more flexible than those of other insurance companies. This means you can customize your health insurance plan to suit your budget and needs. However, their plans can be more expensive than other providers.
If you need U.S. coverage, you can check out GeoBlue.
If you need a comprehensive plan with unlimited coverage, you can check out William Russell and Passport Card with their unique membership card for global direct payment without the need “pay & claim”
If you’re on a tight budget, look into IMG Global or ACS. But read their policies carefully to understand what you’re really getting. For example, IMG Global comes with lifetime coverage limits instead of annual coverage limits, which means you could run out of coverage if you need extensive care. Now Health, on the other hand, comes with limited hospital access.
If you’re over 65 years old, your options are more limited. Cigna Healthcare accept new applicants without an age limit. But it’s not the cheapest option. Alternatively, you can check out options from IMG or William Russell depending on the region, or send a quote request to get advice from a broker.