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Top 10 Best Global Health Insurance Companies for Expats
10 Largest International Health Insurance Companies for Expats and Immigrants

Additional benefits like dental, vision, maternity, prescription drug coverage, and other options for coverage are sometimes included in international healthcare plans. While some of these benefits are optional add-ons that require an additional premium, others are part of the standard plan.

You can find a lot of information online to aid in your decision-making before choosing the best international insurance for you. figure out the top 10 best international health insurance companies for expats and immigrants.

Which Global Health Insurance Plan Is Right for You?

Finding the best insurer can be challenging because each of their plans has unique strengths and weaknesses. The goal is to identify the best plan for your unique needs and financial situation. We advise you to start your search with a reputable international health insurance provider with a significant presence in both your home country and the country where you will be residing in order to help focus your search.

We can generate a few quotes from two or more international medical insurance companies as your broker, which you can then contrast side by side. When selecting a plan, policy cost must be taken into account, so you should think about eliminating benefits you do not require.

Some plans allow you to choose which benefits to include or exclude from the policy, making them highly customizable. Other comprehensive global medical insurance plans let you change some benefits and deductible amounts to lower your premiums.

The price of the international health insurance is a major consideration when choosing a service provider. It's fine to simply select the insurance company with the lowest rates, but be aware that if something goes wrong, your choice could end up costing you more. Choose one that will, when the time comes, cover all of your medical needs.

How much does International Health Insurance cost?

An international health insurance plan can be purchased for as little as $500 per year with limited benefits or for as much as $8,000 per year with a comprehensive global medical insurance plan that covers the USA.

The typical annual cost is $5,000. The deductible and maximum coverage options, as well as the policyholder's age, medical history, and area of coverage (typically not on their claim history), all affect costs, or premiums.

Plans will normally offer two areas of cover; Worldwide or Worldwide excluding the USA. The cost savings from excluding coverage in the USA are substantial. With some plans, you can choose not to cover the cost of treatment in places like Canada, Hong Kong, and others. These nations charge more for medical care. Sometimes, international insurance companies (like GeoBlue and Cigna) will rank nations based on their medical expenses and adjust premiums accordingly.

Top 10 Best Global Health Insurance Companies for Expats and Immigrants

1. Cigna

Cigna Global is a well-known international insurance company that offers services to people and families living abroad in more than 200 different countries. Their goal is to support and enhance the security, well-being, and health of the people they serve.

The comprehensive, adaptable Cigna International Health Plans are created to satisfy all of your requirements. The plans' flexibility lets you pick and pay for only the coverage you require.

Three levels of coverage are available under the Cigna international health plan: Cigna Silver, Cigna Gold, and Cigna Platinum. With the option to include outpatient care and other elective modules, each plan offers coverage for inpatient and day-patient care. Additionally, you can select the coverage area that you want.

You will have access to the company's extensive global healthcare network of reputable hospitals, physicians, and other healthcare professionals with Cigna Global health benefits. If the local healthcare system in your country of residence is overly expensive or has a reputation for offering subpar care, Cigna's network can be especially useful. The customer service staff at Cigna Global will assist you in locating the top physicians and hospitals to give you the medical care you require and deserve.

2. IMG

IMG Global Medical Insurance is a health insurance option for expats that is created to offer you and your family global medical coverage. The IMG Global Medical Plan, which is accessible to all nationalities, is perfect for foreign nationals who live and work outside of their home country because it offers some of the most comprehensive benefits available, backed by global service. With multiple levels of coverage, two options for an area of coverage, five optional add-on riders, multiple deductible options, and four available payment methods, the plan is completely customizable. You can get the precise plan that meets the medical needs of your family at the ideal cost when you purchase IMG health insurance.

You can choose a tier with a benefits package from an IMG Global Medical insurance plan that best suits your needs. All plans cover hospital care, outpatient care, prescriptions, radiation and chemotherapy, physical therapy, organ transplants, and emergency air transportation. Each one even comes with a Healthy Travel supplement for travel-related vaccinations and other preventative medical care. Terrorism, sports, dental, vision, and accidental death and dismemberment coverage are additional options. IMG Global Health Insurance additionally provides add-on global term life insurance, which, unlike your home policy, will support your heirs worldwide in the event of your demise.

3. Aetna

For more than 50 years, Aetna International has led the world in providing health benefits. By creating strategies to enhance the standard, cost, and accessibility of global healthcare, they pledge to create a healthier planet. Providing its members with services that are tailored to their needs is Aetna's top priority. Representatives are therefore accessible 24/7/365. Aetna has more than 160 years of experience in the healthcare industry, has focused on international benefits for more than 55 years, and has established a sizable global presence to guarantee that you can get service wherever you go. The titles of "Top IPMI Plan" and "Health Insurer of the Year" have been bestowed upon them. Aetna is a well-known brand with affordable premiums, top-notch benefits, and superior customer support.

For residents living outside of the US and Canada, Aetna International offers Pioneer, while MHP is an option for US and Canadian citizens. Both plans offer thorough coverage and excellent customer service. Foreign residents of the United States who choose to live in other countries are not offered Aetna plans.

4. GeoBlue

The Xplorer Health Plan from GeoBlue Health Insurance offers you coverage both inside and outside of the United States, regardless of whether you are an expatriate, a citizen of another country, a traveler, or a family migrating. Their policies grant access to a top-tier network of medical professionals and facilities. Expect top-notch customer service and flexible design that can be customized to your needs.

One of the top global health insurance options today is the GeoBlue Health Insurance Xplorer Plan. It combines modern medical assistance services with comprehensive global benefits. These services offer subscribers an impressive selection of online and mobile tools that enable them to locate, access, and pay for high-quality healthcare anywhere in the world.

You have the freedom to access top-notch healthcare both inside and outside of the United States thanks to GeoBlue Xplorer. We strongly advise investigating the GeoBlue Xplorer Essential plan if your needs are limited to benefits outside of the United States.

Rates for the Xplorer Essential and Premier plans depend on the deductible, age, geographic region, and extra benefits. No U.S. Benefits, Basic U.S. Benefits, and Comprehensive/Full U.S. Benefits are the three levels of coverage that GeoBlue offers. A plan's cost will go up if U.S. coverage is added. Therefore, if you don't intend to visit or live in the United States, don't buy U.S. coverage.

Medical coverage outside of the U.S., U.S. in-network coverage, and U.S. out-of-network coverage are the basis for the deductible options (see benefits table above). The deductibles for the Xplorer Essential and Premier plans range from $0 to $5,000. Co-insurance can also be added to the Xplorer Premier plan.

5. SafetyWing

In terms of international insurance for expats, digital nomads, or even remote workers, SafetyWing is without a doubt one of the best options available if you're a digital nomad.

It has a user-friendly, upbeat website design (there's nothing like a duck with hands and spaceships to get you in the mood to buy some travel medical insurance!) and insurance policies that cover both medical and travel-related issues. Additionally, for every 90 days spent abroad, you receive 30 days of coverage at home (very rare for other insurance companies).

There are numerous ways to customize your plan.

Their website is very user-friendly, and it's very clear what each plan covers and how much you'll pay for it.

Additionally, they provide free coverage for kids up to age 10

Dental, maternity, deductible costs, and outpatient services like physical therapy or family medicine are among the additional medical services for which you can add coverage.

Following an evacuation, you are covered for repatriation costs up to $100,000 USD.

If you are treated at a public hospital where there are no costs or where the treatment is covered by another insurance, you are given a daily allowance (in these circumstances, you are given $125 USD per night for up to 30 nights).

Cancer treatment and reconstructive surgery are fully covered and reimbursed.

No matter where you are in the world, they provide round-the-clock support. They provide COVID-19 coverage based on physician recommendations. They cover trips back home for 30 days every 90 days.

They have a fun and much more entertaining website than your typical insurance provider.

6. AXA

One of the top life and health insurance providers, AXA is headquartered in France and has offices around the globe. It offers Foundation, Standard, Comprehensive, Prestige, and Prestige Plus as its five international insurance plans.

AXA SA (AXA) is a holding company with its headquarters in France that deals in financial protection. AXA has several product categories under its belt, including Life & Savings, Property & Casualty, Health, Asset Management, and Banking. Its product line includes banking, savings vehicles, and other investment-based products for both Personal/Individual and Commercial/Group customers, as well as health, protection, and retirement products for individual or professional customers. It also offers insurance for automobiles, homes, properties, and general liability. France, Europe, Asia, AXA XL, the United States, International, and Transversal & Central Holdings are the seven geographic divisions in which AXA operates. The holding company for AXA Group is called AXA SA.

7. Generali Global Assistance

The Generali Group, a unit of Europ Assistance, was established in 1831 and focuses primarily on health insurance for companies with globally mobile employee populations.

Select, Classic, and Premier are the three different "core plans," and there are also three additional outpatient options. globally compliant, including in North America.

GGA is an established partner in lowering stress, offering peace of mind, and above all, putting people first in times of need. Their services range from travel insurance to identity theft protection.

Since its founding in 1963, the Europ Assistance (EA) Group, of which GGA is proud to be a member, has been a pioneer in the assistance sector. The EA Group is a division of the global Generali Group, which has more than 76,000 employees and has established a presence in 60 countries over the course of more than 185 years. Clients' faith in their capability to offer assistance in the most trying of circumstances has been the cornerstone of their success. GGA is constantly working in the background to provide expertise, support, and peace of mind to their partners' clients and staff.

8. Allianz Worldwide

A division of Allianz Worldwide Partners, Allianz Worldwide is a member of the Allianz Group. One of the largest providers in the world, Allianz is renowned for its extensive network and for offering top-notch international health insurance for workers. Allianz is a different reputable, capable, and well-known insurance provider that provides three distinct coverage plans: Essential, Classic, and Premier, with add-on options for maternity and dental insurance.

To businesses and insurance partners around the world, Allianz Care provides health, life, and disability insurance in addition to a wide range of health and protection services. In addition to offering services to consumers, small businesses, large multinationals, IGOs, NGOs, and governmental organizations, they look after the health and wellbeing of over 770,000 people worldwide. Our products assist businesses in luring and keeping employees while safeguarding their health and welfare. The market's broadest selection of health benefits is offered by Allianz Care. They support and safeguard employees for organizations in an unpredictably changing world. The Allianz Group of companies, which includes Allianz Partners, has a product line called Allianz Care. More than 17,000 members of the Allianz Partners global family work in 76 countries, speak 70 languages, and handle 44 million cases annually to safeguard clients and staff across all continents.

9. Global Underwriters

Global Underwriters, a business with years of experience and a wide range of clientele, is another excellent security option for emigrants and expatriates.

The plans that GU has created specifically with travelers in mind are one of its key competitive advantages. For expatriates, Diplomat Long Term and Diplomat International stand out as excellent choices. The Diplomat America plan, which has more coverage in the US, is what I advise if you intend to live there for a while.

Medical coverage for the Diplomat Long Term and Diplomat International plans is up to $1 million.

Both plans include emergency dental care and medical evacuations.

Plans offered by Diplomat Long Term and Diplomat International cover costs associated with accidental death and dismemberment up to $1 million in full as well as the return of remains.

Plans from Global Underwriters also include coverage for the expense of misplaced luggage and travel disruptions.

10. Foyer Global Health

One of the largest organizations in the world when it comes to international health insurance for expats is Foyer Health. They are a part of the Foyer Group, a European behemoth that provides you with a wide range of insurance options.

Your coverage can be tailored based on a variety of factors, including your age, country of origin, dental and eye coverage, vaccinations, maternity care, and children.

For each of these factors, you can select a level of coverage (from nothing to the maximum).

You can select an insurance plan for a single person, a couple without kids, or a family with kids.

You will still have access to emergency medical care in the nation even if you don't have coverage for the United States.

You don't have to enter a lot of personal information, unlike most other insurance websites, making it quick and simple to get a quote.

There are many options for deductibles.

If you're only going to be in another country for a short while, they have short-term plans.

Comparing plans will help you determine which is best for you.

In all of Europe, they provide expats with health insurance.

Top International Medical Insurance Companies

Now Health International offers quality medical coverage for foreigners living abroad throughout the world. Their Now Health WorldCare Plan‎ offers comprehensive benefits, including cover in the USA, for the discerning client. A more affordable option, as USA cover is excluded, is their SimpleCare.

International Medical Group– IMG offers a wide range of products, from trip cancellation to long-term international medical (IMG Global Medical). For more than 20 years, IMG has provided international affordable medical and travel insurance to the worldwide community insuring clients in more than 170 countries worldwide.

IntegraGlobal is a U.K. company with service offices worldwide in Europe, North America, and Asia. They specialize in providing health plans to organizations and individuals with unique protection needs, including expats, marine professionals, and specialized risks. IntegraGlobal aims to develop unique international health options that offer outstanding protection, excellent value, and hands-on unbeatable personal service.

BUPA International Plan– BUPA has over 65 years of expertise and dedication to health. They have a global team of advisers and health experts who, between them, speak multiple languages – and a high level of service. These are just a few of the things that Bupa Global believes make them different.

How to Compare the Best Global Insurance Companies

International Insurance has created a simple comparison of the best health international insurance in the world to help in your research. To keep it simple this includes four of the top international health insurance companies. You can compare other companies against these three to ensure they are compared on the same terms. The other considerations are the AM Best ratings of the providers which give you an indication of the financial stability of each insurer.

Who do these International Health Insurance services cover?

The insurances below cover these emigrants and expatriates around the world:

  • Americans
  • Canadians
  • Australians
  • Chinese
  • Germans
  • French
  • Argentineans
  • British people
  • Swedes
  • New Zealanders

    And people from almost every other country on the planet who live abroad

And expatriates/immigrants living in:

  • U.S
  • Canada
  • China
  • Germany
  • Sweden
  • Spain
  • Portugal
  • France (European Union / Schengen Area as a whole)
  • United Kingdom
  • China (and Hong Kong)
  • Australia
  • Switzerland

    And for citizens living in almost every other country in the world

In short, no matter where you are from or where you intend to live, most of the international insurance plans below may apply to you.

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