Top 10 Insurance Companies in Kuwait for Expats (2026)
Allianz Care, AXA, Bupa, Cigna, April International, Blue Cross Blue Shield Global Solutions, IMG, PassportCard, VUMI, and William Russell are some of the best insurance companies for expats in Kuwait. Each offers varying benefits and levels of coverage to meet expats’ varied needs.
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Health insurance is mandatory for all residents in Kuwait, including expats. As a result, securing an international health insurance plan is essential for anyone relocating to the country. Expats need coverage to access quality healthcare services, which can be costly if paid out of pocket.
In this Pacific Prime article, we’ll introduce you to the best insurance providers in Kuwait, outlining each company’s details and its plan offerings tailored to international needs. By the end of this article, you’ll be able to make an informed decision and enjoy your new, safe life in Kuwait.
Best Insurance Companies for Expats in Kuwait
The 10 best insurance companies in Kuwait for expats include Allianz Care, AXA Global, Bupa Global, Cigna, April International, Blue Cross Blue Shield Global Solutions, IMG, PassportCard, VUMI, and William Russell.
- Allianz Care
- AXA Global
- Bupa Global
- Cigna
- April International
- Blue Cross Blue Shield Global Solutions
- IMG
- PassportCard
- VUMI
- William Russell
Allianz Care: Comprehensive Coverage for Expats in Kuwait
As a world-leading health insurance provider, Allianz Care is one of the top choices for expats in Kuwait for international health insurance plans. The core international health insurance plans Allianz Care offers include the Care Base, the Care Enhanced, and the Care Signature.
Among the international plans available, the Care Signature offers the most comprehensive coverage with the highest limit of USD $5,000,000. Below is a table of comparison showing the limits and core coverage of each plan:
| Allianz Care Expat Health Insurance Plans Comparison | |||
| Benefits Coverage | Care Base | Care Enhanced | Care Signature |
| Maximum Plan Limit | USD $1,350,000 | USD $2,700,000 | USD $5,000,000 |
| Type of Room | Private | Private | Private |
| Inpatient / Day-Care | ✓ | ✓ | ✓ |
| Medical Evacuation | ✓ | ✓ | ✓ |
| Preventive Surgery | ✗ | USD $20,250 | US $40,500 |
| Emergency Out-Patient Treatment | USD $810 | ✓ | ✓ |
Allianz Care policyholders can expect value-added services, including Allianz’s MyHealth Digital Services, Expat Assistance Program, travel security services, expansive global network, and family-friendly benefits.
AXA Global: Flexible Health Insurance Plans for Expats
AXA Global Healthcare is a renowned brand with over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries. This makes AXA a great choice for expats looking for wide coverage and flexibility in their health insurance plan.
AXA’s international insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. The annual plan limits range from USD $400,000 to USD $8,000,000. The key features of their international health insurance plans are:
- Experienced 24/7 personal support
- Evacuation and repatriation coverage
- Ambulance transport
- Telehealth service
- CT, PET, and MRI scans
- Rapid claims repayment
- Second medical opinion
- Cancer treatments
- Mind Health Support
- Inpatient hospital charges and surgeries
Below is a table of comparison showing the maximum annual limits for AXA’s international health insurance plans:
| Foundation | Standard | Comprehensive | Prestige | Prestige Plus | |
| Annual Benefit Limit | USD $400,000 | USD $1,600,000 | USD $2,400,000 | USD $3,200,000 | USD $8,000,000 |
Bupa: Exceptional Global Coverage for Expats in Kuwait
Bupa is considered one of the best insurance companies in Kuwait because of its localized customer service and 24/7 medical help through Bupa’s Global Virtual Care, a leading telehealth platform capable of offering personalized treatment through technology.
All Bupa policyholders can enjoy excellent benefit provision across all plan tiers, including:
- Extensive network of providers
- Direct billing
- Customized insurance plans
- Second medical opinions
- Lifetime renewal
- Direct access to specialists without referral
- Coverage for two children under 10 at no additional cost
- Online and in-app access to support services through MembersWorld
The table below shows the annual plan limit and the coverage of Bupa’s international health insurance for expats:
| Bupa Global Health Plans Compared | ||||
| Major Medical | Select | Premier | Elite | |
| Annual Benefit Limit | £2,000,000 | £1,000,000 | £1,500,000 | £3,000,000 |
| Area of Coverage | Worldwide or Worldwide without U.S. | Worldwide or Worldwide without U.S. or Europe | Worldwide or Worldwide without U.S. or Europe | Worldwide or Worldwide without U.S. or Europe |
| Cancer Care | ✓ | ✓ | ✓ | ✓ |
| Inpatient Care | ✓ | ✓ | ✓ | ✓ |
| Outpatient day-to-day care | ✗ | ✓ | ✓ | ✓ |
| Mental Health | ✓ | ✓ | ✓ | ✓ |
| Medical Evacuation and Repatriation | ✓ | ✓ | ✓ | ✓ |
Cigna Global: Reliable International Health Insurance for Expats
Cigna Global is a renowned insurance provider providing policies in over 200 markets and territories around the world. The four core international health insurance plans Cigna Global offers include Silver, Gold, Platinum, and Close Care.
Among the four core international health insurance plans, the Close Care plan acts more like a local plan and only provides coverage in your country of residence and your home country for return visits. As such, the benefits and annual limit are not as comprehensive as the other plans offered.
Cigna Global International Health Insurance Plans table of core benefits:
| Cigna Health Insurance Plans: Standard Medical Benefits (USD) | ||||
| Coverage Benefits | Silver | Gold | Platinum | Close Care |
| Annual Limit Amount | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence and home country |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Cancer Care | Paid in full | Paid in full | Paid in full | Paid in full |
| Advanced Medical Imaging (MRI, CT, and PET scans) | USD $10,000 | USD $30,000 | Paid in full | USD $2,500 |
| Routine Maternity Care
(12-months waiting period) |
✗ | USD $7,000 | USD $14,000 | ✗ |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
April International: Trusted Insurance Provider for Expats
April International is a leading international private medical insurance provider in the insurance industry, offering its services to over 180,000 customers globally. Their MyHealth International plan with extensive levels of coverage makes them one of the best options for expats in Kuwait.
Their plans come with additional services that make things easier for expats living abroad. This includes 24/7 customer support, paperless online reimbursements, unlimited remote medical care, and policy management via the Easy Claim app.
April International Health Insurance Plans table of core benefits:
| April International Health Plans Compared | |||||
| Emergency Plan | Formule Basic | Essential Plan | Comfort | Premium Plan | |
| Annual Benefit Limit | USD $250,000 | USD $500,000 | USD $1,000,000 | Unlimited | Unlimited |
| Hospitalization Costs | Only in case of accident or medical emergency | ✓ | ✓ | ✓ | ✓ |
| Cancer Care | ✗ | ✓ | ✓ | ✓ | ✓ |
| Private Room | ✗ | ✗ | USD $75/day | ✓ | ✓ |
| Medical Repatriation | ✓ | ✓ | ✓ | ✓ | ✓ |
Expats with the Essential Plan, Comfort, and Premium Plan can add optional riders, including outpatient and prevention, dental, vision, and maternity care. Expats with the Formule Basic plan are not eligible for the maternity add-on, while the Emergency Plan doesn’t have any add-on options.
Blue Cross Blue Shield Global Solutions: Global Coverage with Convenient Plan Options for Expats
In addition to travel insurance plans, Blue Cross Blue Shield Global Solutions offers long-term international health coverage with an extensive network of providers across over 180 countries. Their plan is available in two options: Worldwide Premier and Outside the U.S.
Both plans provide unlimited coverage but differ in their level of within-US protection. The table below shows
| BCBS Global Solutions Health Insurance Plans Benefits Comparison | ||
| Benefit Limit Outside the U.S. | Benefit Limit inside the U.S. | |
| Worldwide Premier | Unlimited | Unlimited |
| Outside U.S. | Unlimited | USD $1,000,000 |
Whilst the coverage for both plans differs, all BCBS Global Solutions members have access to the following benefits outside of the US:
- Unlimited telemedicine visits
- Immediate coverage of pre-existing conditions with proof of previous coverage
IMG Global: Affordable Health Insurance Plans for Expats in Kuwait
IMG Global Health’s international health insurance plan is available in four different categories of coverage: Global Medical Bronze, Global Medical Silver, Global Medical Gold, and Global Medical Platinum.
The benefits provided by IMG are comprehensive, with coverage for inpatient care, prescription coverage, cancer treatment, and medical emergencies. You can also opt to add riders such as dental, vision, maternity, and even sports coverage, depending on your plan level.
The lifetime limits vary across the four tiers, with a maximum limit of up to USD $8,000,000 per individual. Here’s a comparison of some of the core benefits provided by IMG’s international health insurance of different tiers:
| IMG Health Insurance Plans Benefits Comparison | ||||
| Benefits Coverage | Bronze | Silver | Gold | Platinum |
| Lifetime Maximum | USD $1,000,000 | USD $5,000,000 | USD $5,000,000 | USD $8,000,000 |
| Physician Visits | ✓ | ✓ | ✓ | ✓ |
| Hospitalization room/board | ✓ | USD $600 per day; 240 days max | ✓ | ✓ |
| Surgery | ✓ | ✓ | ✓ | ✓ |
| Labs & X-rays | ✓ | ✓ | ✓ | ✓ |
| Physical therapy | USD $40 maximum per visit – 10 visit limit | USD $40 maximum per visit – 30 visit limit | USD $50 Maximum limit per visit | USD $50 Maximum limit per visit |
| Outpatient Surgery | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
PassportCard: Hassle-Free Health Insurance with Instant Claims
What makes PassportCard a great insurance option for expats in Kuwait is how easily policyholders can make claims and have them settled in real-time, eliminating the need for out-of-pocket payments, complicated claim forms, and lengthy approvals.
Benefits of PassportCard insurance plans:
- Instant Payouts: When seeing a doctor abroad, policyholders can dial the number on the back of their PassportCard. The system will calculate the costs instantly and transfer the money straight onto your card, which can then be used like a normal debit card when accessing medical care.
- No Paperwork Required: PassportCard is the only travel insurer that can settle claims in real-time.
- Re-activation: To activate the PassportCard, all policyholders need to contact the insurer before going abroad to activate the policy for a set length of time. This step can be repeated every time you go abroad.
VUMI: Premium Health Insurance Plans for Expats in Kuwait
VUMI offers international health insurance policies such as the Global Flex VIP plan for expats. The Global Flex plans have five different tiers: Basic, Standard, Superior, Ultra, and Total.
All the Global Flex VIP plans include inpatient benefits, including:
- Standard private hospital room fully covered
- Fully covered intensive care unit stays
- Accommodations for an adult accompanying an insured child under age 18 during the child’s hospitalization
- Medications prescribed while in the hospital are fully covered
- Psychiatric treatments are fully covered for up to 30 days
Eligibility and special conditions expats need to know when applying for Global Flex VIP plans:
- Applicants must be aged 74 years or younger
- Declared pre-existing conditions may be covered. This benefit will be evaluated during underwriting.
- HIV-AIDS may be covered by VUMI’s Global Flex VIP Plans after a 36-month waiting period with a benefit limit of up to USD $50,000.
- Routine maternity coverage has a 12-month waiting period through VUMI’s applicable Global Flex VIP Plans.
- Injuries that occur while training or practicing hazardous sports and hobbies are excluded from coverage.
Below is a table showing the annual benefit limits of each tier in the Global Flex VIP Plans:
| Global Flex VIP Plan | Annual Benefit Limit (USD) |
| Basic | USD $3,000,000 |
| Standard | USD $3,500,000 |
| Superior | USD $4,000,000 |
| Ultra | USD $4,500,000 |
| Total | USD $5,000,000 |
William Russell: Customizable Health Insurance Plans for Expats
Known for providing comprehensive and customizable international health insurance, William Russell is a great option for expats in Kuwait looking to get insured. Their international health insurance plans are available in four tiers: Bronze, Silver Lite, Silver, and Gold.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. Below are the core insurance coverages for the four tiers:
| Benefits Coverage | Bronze | Silver Lite | Silver | Gold |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Treatments | ✓ | ✓ | ✓ | ✓ |
| Advanced Diagnostic Tests | ✓ | ✓ | ✓ | ✓ |
| Emergency Medical Evacuation | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
| Lifetime Limit for Mental Health Treatment | USD $50,000 | ✗ | USD $75,000 | USD $100,000 |
Frequently Asked Questions
Is health insurance mandatory for expats in Kuwait?
Health insurance is not only mandatory for expats but also for all individuals residing in Kuwait. Aside from the mandatory public health insurance, having private health insurance will give expats access to quality, private healthcare in the country, which can be expensive to pay out of pocket.
How do I find my insurance plan’s network of healthcare providers in Kuwait?
You can find a network healthcare provider in Kuwait by contacting your insurer’s customer support or visiting their online portal and looking for a directory of network providers. Having a list of network providers ready at hand can help you avoid unnecessary payments and conflicts with your insurer.
Is KWD 1500 a decent salary in Kuwait?
KWD 1,500 (USD $4,890) is generally considered a decent salary in Kuwait. It typically covers a comfortable lifestyle since average living costs, including rent in the Kuwait City center, are KWD 540 (USD $1,760). With careful budgeting, you can save too, though family needs can raise expenses.
Conclusion
Leading insurers for expats in Kuwait include Allianz Care, AXA, Bupa, Cigna, April International, BCBS Global Solutions, IMG, PassportCard, VUMI, and William Russell, all of which provide a range of plans and coverage options tailored to different expat requirements.
Expats in Kuwait must be covered by a health insurance plan, as it is mandatory for all individuals in the country, similar to Dubai.
If you are looking to secure an international health insurance plan to protect yourself from unexpected medical expenses, Pacific Prime can help you. With over two decades of experience, our expert advisors can help find a comprehensive plan that suits your needs and requirements.
Expats who are still deciding where to relocate may find our guides on the top insurance companies for China and Mauritius helpful.
Contact us today for a free plan comparison and an obligation-free quote!
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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