International health insurance is a necessity for expats who want to live abroad. There are many different types of international health insurance providers and it can be difficult to figure out which one will best suit your needs.
There are many factors to consider when choosing an international health insurance provider. These include questions like: How long will you be abroad? Will your spouse and children be travelling with you? What is the cost of living in your host country? Will you need to visit a doctor or hospital while abroad, or will you only require prescription drugs from a pharmacy?
What is International Health Insurance?
Before going into the list of top international health insurance providers, it is important to know what service you are getting and how to make the most out of a health plan. As the name implies, international health insurance is a health insurance coverage in a different country.
It can help cover medical expenses abroad in case of a health emergency. Expat health insurance typically covers both inpatient and outpatient hospital care, lab work, x-rays, diagnostic tests, ambulance transportation to and from hospitals, surgeries (including scheduled organ transplants), dental treatment (usually limited to emergencies), prescription drugs dispensed at pharmacies (not through doctor visits or clinics), mental illness/addictions treatments, assisted living services for seniors and other health care services depending on which insurer you choose.
What are the Benefits of Expat Health Insurance?
As there are many questions that need to be considered when looking for an international health insurance provider, it can feel overwhelming at first. This article provides a list of the 10 best international health insurance providers that expats around the world rely on to provide them with peace of mind and security during their time working overseas away from their home country.
There are many benefits to international health insurance, especially for expats. Those who are living in areas where there are no government-funded healthcare plans will find much better coverage with an international health insurance provider rather than attempting to pay out-of-pocket for medical services when they need it.
Some may also want to consider taking out an expat health insurance because they will typically have higher premiums when seeking insurance in their home countries or within the location that they are moving to. International health insurance gives expats access to hospitals and doctors located in their new country without worrying about high costs.
How Does an Expat Apply for International Medical Insurance?
Expat international health insurance (also known as expatriate medical insurance) is a type of insurance available to individuals who relocate outside their country for an extended period, either by choice or obligation. Expats are usually transferred to another country for work purposes and being able to take their own private health care policy with them can save them money compared to local medical fees.
Expat medical insurance is not just suitable for employees but also their immediate family members who go with them abroad, thus helping expats get superior access to better quality healthcare in their new environment. This is why it is important to know which are the best health insurance providers that offer the perfect global health plan for you.
Here are the 10 Best International Health Insurance Providers Expats Should Look Into
IMG Global Medical Insurance
This is an international health insurance provider that offers a complete set of plans that cater to expats. IMG offers affordable prices, flexible payment options and an easy claim filing process.
If you’re an expat who is tired of paying high premiums for incremental coverage then this might just be the right insurance provider for you. Just like some other top players in the market they have a dedicated team of professionals who work towards providing you with access to some of the best medical services in the world.
Cigna Global Health Insurance
This is an international health insurance plan that has been designed to meet the needs of expats. They have a wide network of roughly 1.65 million international hospitals and doctors in over 200 countries worldwide.
With each health insurance plan with Cigna, expats get access to world-class medical treatment and quality service regardless of their location and without worrying about high costs because of their affordable premium plans.
GeoBlue International Health Insurance
International health insurance plans offered by this company provide quality and affordable medical insurance for expats who want to experience world-class healthcare without emptying their wallets. Their international travel medical insurance plan is particularly popular among expats because it covers emergency medical evacuation to the U.S. and treatment in the country’s top hospitals.
This international health insurance provider offers a wide range of coverage and benefits to expats. It includes hospitalization, outpatient visit, emergency medical evacuation and much more.
Aetna offers award-winning medical insurance to expats worldwide with more than 800,000 global members currently. This provider has also assisted governments and corporations around the world to build world-class health systems.
Our award-winning expatriate business provides health benefits to more than 800,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world.
AXA Global Healthcare
AXA offers five levels of medical insurance that helps expats the right international insurance for themselves. These plans are catered based an individual’s specific needs and budget.
With any coverage plan, expats have access to international private healthcare and will be able to access the provider’s select network of hospitals without having to pay a single dollar. AXA has a wide range of plans that include various medical benefits and services that expats can rely on.
Bupa Global Insurance
In the heart of Bupa Global Insurance lies doctors who are dedicated to helping people worldwide live longer, healthier and happier lives.
With leading international medical insurance plans, Bupa gives customers direct access to leading GP’s, consultants and specialists without the need for referral. You will also get in-hospital cover for private rooms at various world-class medical facilities worldwide.
Bupa will partner you with a personal relationship manager to make figuring out what to do next easier no matter your medical history. You can have coverage for up to two children younger than 10 years old at no extra cost as part of your international health plan.
Expacare Global Healthcare
Having more than 35 years of experience in the health insurance industry, Expacare is one of the world’s longest-established global health insurance providers. This provider has adapted to a growing and expanding international healthcare market.
Decades of working with customers have allowed Expacare to tailor its global health insurance plans to cover various medical expenses. Expacare’s insurance policy pays for eligible expenses caused by many medical emergencies.
Generali Global Assistance
Generali Global Assistance provides many types of insurance care, including travel insurance, expat insurance and beneficiary companion. When you purchase coverage, Generali ensures that you receive key benefits, including subsidised healthcare, expatriate healthcare or other global medical needs.
If you’re living overseas or working abroad, one of the most difficult things to address is having worldwide coverage for your health insurance needs. An effective healthcare system has allowed Generali to become the world’s largest individual crisis protection provider that has one of the best health insurance policies worldwide.
Allianz provides various global health plan packages that protect the future of families, individuals and employers. This is done with the use of various health, critical illness, life and disability insurance products. Allianz is a medical care insurance provider that prioritizes keeping people healthy and free of worry.
People who are working abroad or those who are looking for global medical insurance can rely on Allianz’s private health insurance policies that provide world-class medical care.
A Plus International
There are more than 10,000 doctors, hospitals and clinics in over 150 countries that provide customers with world-class private health insurance wherever they are. Each global medical insurance plan that A Plus offers takes a customer’s medical history into consideration to provide coverage that fits their needs.
Whether you are living abroad or are an expat away from your home country, A Plus offers a range of creditable coverage that include affordable health insurance plans. A Plus has insurance policies that provide lifetime insurability, worldwide cover and 100% inpatient and outpatient coverage.