Complete Guide to the Best International Health Insurance Plans for Expats
Moving to another country as an expat is exciting, but it also comes with serious responsibilities—including how to protect your health abroad. Whether you're relocating for work, retirement, study, or adventure, one of the first things you need is comprehensive expat health insurance.
In this guide, we’ll break down the best health insurance plans for expats, top providers, must-know features, and high CPC keywords to help your article rank higher in Google searches. If you plan to monetize this article with Google AdSense, this content is tailored to attract valuable, high-intent readers.
What Is Expat Health Insurance?
Expat health insurance is a specialized medical insurance policy designed for people who live outside their home country for an extended period. Unlike travel insurance, which is temporary, expat insurance provides:
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Access to local and international healthcare
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Coverage for chronic and pre-existing conditions
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Emergency evacuation and repatriation
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Maternity, dental, and mental health support
If you’re staying abroad for more than 6 months, standard travel insurance is not enough—you need a long-term plan.
Best Expat Health Insurance Providers in 2025
Here are the top 7 expat health insurance companies offering global coverage, 24/7 support, and customizable plans.
1. Cigna Global
Best for: Long-term expats and families
Coverage: Worldwide (including or excluding the U.S.)
Cigna Global is one of the most trusted international health insurance providers. Plans are flexible, and you can add outpatient, vision, dental, and maternity benefits.
✅ Up to $1M–$2M annual limits
✅ 24/7 multilingual support
✅ Extensive hospital network
👉 Learn more: www.cignaglobal.com
2. IMG Global Medical Insurance
Best for: Digital nomads, retirees
Coverage: Worldwide
IMG offers various tiers to fit different budgets. You can choose from bronze to platinum levels depending on your healthcare needs.
✔️ Renewable annually
✔️ Emergency evacuation included
✔️ Covers pre-existing conditions after 24 months
👉 Website: www.imglobal.com
3. GeoBlue Xplorer (for U.S. Citizens)
Best for: American expats
Coverage: U.S. and abroad
Backed by Blue Cross Blue Shield, GeoBlue is ideal for Americans living abroad who want access to U.S. medical care when needed.
✔️ Covers preventive care and prescriptions
✔️ U.S. PPO network access
✔️ No referrals required
👉 Visit: www.geobluetravelinsurance.com
4. Aetna International
Best for: Corporate expats, international workers
Coverage: Global
Aetna International is known for its corporate group policies, but it also provides flexible personal plans. Great for expats with families or pre-existing health needs.
✔️ Wellness benefits included
✔️ Mental health & telemedicine
✔️ 1.3M medical providers worldwide
👉 Info: www.aetnainternational.com
5. Allianz Care
Best for: Global coverage with fast claim processing
Coverage: Worldwide
Allianz Care offers highly customizable plans with the option to include vision, dental, maternity, and even expatriation cover.
✔️ 24/7 multilingual support
✔️ Direct billing in most hospitals
✔️ Digital health tools
👉 Website: www.allianzcare.com
6. SafetyWing (Nomad Insurance)
Best for: Digital nomads, remote workers
Coverage: 180+ countries
Affordable and easy-to-understand plans for freelancers, entrepreneurs, and long-term travelers. A favorite among remote workers.
✔️ Starting at just $45/month
✔️ Covers COVID-19
✔️ Flexible start/stop dates
👉 Explore: www.safetywing.com
7. AXA Global Healthcare
Best for: Comprehensive European coverage
Coverage: Worldwide, including EU countries
AXA is a well-known insurer in Europe and provides tailored plans for expats in France, Germany, Spain, and beyond.
✔️ Fast claims process
✔️ Emergency medical assistance
✔️ Multilingual customer service
👉 Details: www.axaglobalhealthcare.com
What Should Your Expat Health Insurance Cover?
When comparing plans, make sure the policy includes these essential coverages:
| Feature | Why It Matters |
|---|---|
| Inpatient Care | Covers hospital stays and surgeries |
| Outpatient Care | Includes doctor visits and checkups |
| Prescription Drugs | For chronic conditions and emergencies |
| Emergency Evacuation | If local hospitals can’t treat you |
| Maternity Care | For expat families or planning pregnancy |
| Dental & Vision | Often excluded—check add-ons |
| Mental Health | Counseling, therapy, psychiatry services |
| Pre-existing Conditions | Crucial if you have ongoing issues |
Where Do You Need Expat Insurance?
Health insurance rules vary widely depending on where you're going. Here’s a quick glance:
| Country | Private Insurance Required? | Public Option Available? |
|---|---|---|
| USA | Yes | No (for expats) |
| Germany | Sometimes (depending on visa type) | Yes |
| UAE | Yes (mandatory for residence visa) | No |
| Thailand | Yes (for retirees and long-term stayers) | Limited |
| France | No (but top-up insurance recommended) | Yes |
| Singapore | Not mandatory, but strongly recommended | Limited |
🧠Expat Health Insurance vs Travel Insurance
| Feature | Expat Health Insurance | Travel Insurance |
|---|---|---|
| Duration | Long-term (6+ months) | Short trips (up to 90 days) |
| Coverage | Comprehensive medical | Emergency only |
| Chronic Conditions | Usually covered | Not covered |
| Maternity & Mental Health | Often included | Rarely included |
| Price | Higher but extensive | Cheaper, limited |
How Much Does Expat Health Insurance Cost in 2025?
Premiums vary by:
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Age
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Destination country
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Coverage level
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Pre-existing conditions
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Family size
Average Annual Premiums:
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Individual under 30: $600–$1,800
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Couple (30s): $1,500–$3,500
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Family of 4: $3,000–$7,000
Tip: Avoid the cheapest plans—they may exclude essential services like hospitalization or emergency surgery.
Tips to Choose the Right Expat Health Plan
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Know your destination’s laws (some countries mandate coverage)
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Assess your personal health needs (chronic illness, maternity, etc.)
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Compare multiple quotes from trusted insurers
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Read the fine print—exclusions and waiting periods matter
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Check claim reviews for payout reliability
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Don’t forget evacuation and repatriation clauses
Moving abroad is one of the most rewarding decisions you can make—but don’t leave your health to chance. The right expat health insurance plan gives you peace of mind and protects your finances in case of illness or emergency.
Whether you’re a digital nomad in Thailand, a retiree in Portugal, or an executive in Dubai, there’s a tailored plan for you. Choose wisely, compare quotes, and make sure you're covered for everything life might throw your way abroad.