Top 10 International Health Insurance Providers
The best international health insurance providers for expats include VUMI, Cigna Global, AXA, Allianz Care, and more. These companies stand out for their wide coverage, fast claims processing, and reliable global networks, making them insurers of choice for expats seeking protection worldwide.
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Many international health insurers for expats include flexible plan tiers and global provider networks that enhance coverage. This Pacific Prime Guide will take you through the wide-ranging options and ensure you get the coverage tailored to your lifestyle, destination, and healthcare needs.
Global Health Insurance: Ten Providers for Expats
The ten best international health insurance companies are VUMI, Cigna Global, AXA, MSH International, Blue Cross Blue Shield Global Solutions, Allianz Care, IMG Global, April International, NOW Health International, and BUPA Global.
VUMI International Health Insurance Plans
VIP Universal Insurance Group (VUMI) is one of the top international health insurance companies because of its direct billing options, flexible coverage options, hospital discounts, and in-house administration and customer service.
VUMI also stands out from other expat health insurance providers for its high maternity coverage, with its highest insurance plan also including coverage for infertility treatment.
VUMI has five different coverage tiers for expats to choose from, with their Global Flex VIP plans including Basic, Standard, Superior, Ultra, and Total.
| VUMI Global Flex VIP Plan Coverage Limits | |
| Global Flex VIP Plan | Annual Benefit Limit |
| 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 |
Cigna Global Health Insurance Options
Cigna Global offers international health insurance policies for individuals, families, and expats. Cigna insurance is available in over 200 countries and territories. Customer support is available in more than 50 languages 24/7.
As one of the top health insurance companies, Cigna’s Platinum plan offers expats maternity insurance with coverage for infertility investigation and treatment as well as an unlimited annual benefit limit.
Cigna’s international medical insurance plan options range from their budget-friendly Close Care plan to their most comprehensive protection with the Platinum plan. For expats hoping to find a middle ground between monthly premiums and coverage, check out Cigna’s Silver and Gold plan options.
| Cigna Global Plan Coverage Limits | |
| Plan | Annual Benefit Limit |
| Close Care | USD $500,000 |
| Silver | USD $1,000,000 |
| Gold | USD $2,000,000 |
| Platinum | Unlimited |
AXA Global Healthcare Insurance Plans
AXA Global Healthcare is a popular international health insurance company because more than 80% of claims are paid to the client within 48 hours of all of the documentation being submitted. This health insurance company has five different levels of coverage for expats to choose from.
AXA’s Foundation plan is their budget-friendly coverage for emergencies. Their Prestige Plus provides the most comprehensive coverage and the highest annual benefit limit.
| AXA Global Coverage Limits Overview | |
| Plan | Annual Benefit Limit |
| Foundation | USD $400,000 |
| Standard | USD $1,600,000 |
| Comprehensive | USD $2,400,000 |
| Prestige | USD $3,200,000 |
| Prestige Plus | USD $8,000,000 |
Keep in mind that AXA does not provide pre-existing condition coverage for individuals or families on international health insurance plans.
MSH International Health Coverage
MSH International offers worldwide health insurance plans with individual and family coverage. Plans through MSH International come with a network of over one million medical providers worldwide. Coverage is provided in zones to optimize the price to quality for insurance.
MSH International offers four different tiers of coverage with their Hospi Plans: Quartz, Pearl, Sapphire, and Diamond.
| MSH Hospi Plan Coverage Limits | |
| Hospi Plan | Annual Benefit Limit |
| Quartz | USD $625,000 |
| Pearl | USD $1,250,000 |
| Sapphire | USD $2,000,000 |
| Diamond | USD $3,750,000 |
Blue Cross Blue Shield Global Solutions Health Insurance for Expats
Blue Cross Blue Shield Global Solutions is one of the top health insurance companies for Americans living or working abroad. Blue Cross Blue Shield Global Solutions boasts one of the largest direct billing networks globally, unlimited free telemedicine services, and 24/7 global support.
Coverage is subject to underwriting, but Blue Cross Blue Shield Global Solutions offers some of the best international health and travel insurance for pre-existing condition coverage options for expats who qualify.
Blue Cross Blue Shield Global Solutions offers two plans: Worldwide Premier and Outside U.S. plans. Worldwide Premier covers healthcare received both inside and outside of the U.S. while Outside U.S. plans focus more on international care with limited U.S. coverage.
| Blue Cross Blue Shield Global Solutions Plan Coverage Limits | |
| Plans | Annual Benefit Limit |
| Worldwide Premier | Unlimited |
| Outside U.S. | Unlimited |
Allianz Care Global Health Insurance
Allianz Care is one of the best international health insurance providers for expats because of its efficient claims processing and family-friendly insurance solutions. Allianz Care also provides an Expat Assistance Program (EAP).
Allianz Care’s Expat Assistance Program (EAP) includes access to the following:
- Confidential and professional counselling up to five sessions per issue, per calendar year
- Legal and financial referral services
- Wellness website access
Allianz Care offers expats health insurance with three different plans with different levels of coverage: the Care Base, Care Enhanced, and Care Signature plans. The Care Signature Plan is Allianz’s most comprehensive level of coverage.
| Allianz Care Plan Coverage Limits | |
| Plan | Annual Benefit Limit |
| Care Base | USD $1,350,000 |
| Care Enhanced | USD $4,000,000 |
| Care Signature | USD $5,000,000 |
IMG Global Health Insurance Options
IMG Global offers international health insurance plans with flexible options for coverage. Its plans include coverage for prescription drugs and quality member support. Riders are available on IMG plans for vision, dental, term life insurance, and more.
As one of the top health insurance companies, IMG’s plans come in four different levels of coverage: Bronze, Silver, Gold, and Platinum. IMG Global’s most comprehensive plan, the Platinum Plan, offers maternity insurance benefits.
| IMG Global Coverage Limits | |
| Plan | Annual Benefit Limit |
| Bronze | USD $1,000,000 |
| Silver | USD $5,000,000 |
| Gold | USD $5,000,000 |
| Platinum | USD $8,000,000 |
April International Health Insurance Plans
April International is one of the top health insurance companies for expatriates from outside the United States. The company offers free and unlimited telehealth to its members, no upfront hospital costs, and paperless reimbursement for medical claims in the app.
April International plans include five levels of coverage ranging from emergency-only coverage to comprehensive medical expense coverage with unlimited annual benefits.
| April International Coverage Limits | |
| Plan | Annual Benefit Limit |
| Emergency Plan | €/USD $250,000 |
| Formule Basic | €/USD $500,000 |
| Essential | €/USD $1,000,000 |
| Comfort | Bahamas, Japan, Puerto Rico, Singapore, USA: €/USD $1,500,000
Rest of the World: Unlimited |
| Premium | Bahamas, Japan, Puerto Rico, Singapore, USA: €/USD $3,000,000
Rest of the World: Unlimited |
NOW Health International Insurance Options
NOW Health International is one of the top international health insurance providers because of its hassle-free online or in-app claims filing. This company also offers seven different levels of coverage for unbeatable customization.
The insurance plans through NOW Health International include policies with their SimpleCare plans and their WorldCare plans. In general, SimpleCare plans offer budget-friendly premiums with stricter coverage limits, and WorldCare plans offer more comprehensive medical coverage.
| NOW Health Plan Coverage Limits | ||
| Plan and Coverage Level | Annual Benefit Limit | |
| SimpleCare Plans | Simple Care Core | USD $1,000,000 |
| Simple Care 100 | USD $1,500,000 | |
| Simple Care 250 | USD $1,500,000 | |
| WorldCare Plans | Essential | USD $3,000,000 |
| Advance | USD $3,500,000 | |
| Excel | USD $4,000,000 | |
| Apex | USD $4,500,000 | |
Bupa Global Health Insurance Plans
Bupa Global is one of the best international health insurance providers because members are free to seek second medical opinions, and there are no referrals required to see specialists. Bupa also offers members a lifetime renewal option.
International medical insurance from Bupa Global is available in four different levels of coverage. There are basic plans to more comprehensive wellness plans. The Major Medical plan is a basic option that provides coverage for sudden and unexpected emergencies and major medical expenses only.
| Bupa Global Coverage Limits | |
| Plan | Annual Benefit Limit |
| Major Medical | Roughly USD $3,400,000 |
| Select | Roughly USD $1,700,000 |
| Premier | Roughly USD $2,500,000 |
| Elite | Roughly USD $5,100,000 |
Compare International Insurance Quotes with Brokers
Expats are always free to purchase health insurance plans directly from the company, but purchasing a plan through a reputable insurance broker has benefits. Insurance brokers help you find and compare quotes from top health insurance companies without costing you an extra cent.
Insurance brokers are partnered with multiple insurance companies, so they will suggest plans that make the most sense for you. Working with an insurance company’s agent means you will only get quotes from one company, and it may not be the best price available.
Pacific Prime has more than 25 years of experience in the insurance industry. We’re always happy to help expats and their families find international health insurance for their adventures. Contact us online or by calling toll-free 1-800-868-1451.
Group and Corporate Health Insurance Plans
Group and Corporate international health insurance plans are also available. To learn more about plans for larger groups, contact an insurance broker like Pacific Prime. Group plans come with more flexibility for pre-existing conditions and other insurance benefits.
International Health Insurance FAQs
What is the best global medical insurance provider?
Allianz, Bupa, Cigna, and VUMI are some great options for expats looking for top global medical insurance providers. Blue Cross Blue Shield global solutions also offer great plans for U.S.-based expats.
What is the cost of international health insurance on average?
The cost of international health insurance ranges on average from USD $4,695 in Thailand to USD $15,296 in the United States annually for an individual. Prices vary depending on the area of coverage and how comprehensive the plan is.
Do domestic health insurance plans cover people internationally?
Most domestic health insurance plans do not cover policyholders internationally. Travelers should secure a travel insurance policy with adequate coverage. Expatriates should purchase an international health insurance policy for medical coverage abroad.
Which country has the most expensive healthcare?
The United States has the most expensive healthcare due to wasteful systems, rising medication costs, medical professional salaries, profit-driven healthcare centers, types of medical practices, and health-related pricing.
Conclusion
In conclusion, the best international health insurance company for you depends on where you are from and where you are headed. Some fantastic insurance companies are limited in what regions and specific citizenships they can cover. Using an online quote generator is a great way to compare.
As a leading international health insurance broker, Pacific Prime has over two decades of matching both expats and local citizens to a health insurance plan that matches both their budget range and unique healthcare needs.
Whether you’re an expat living overseas or a local citizen yourself, our team of specialists will be more than happy to help you out. And if you have any further questions, please get in touch with us.
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Comments
2 Comments
What are some strategies for navigating language barriers when accessing healthcare services in a foreign country? and What additional resources or support services have you found helpful in understanding and utilizing your international health insurance plan?
Navigating language barriers when accessing healthcare in a foreign country can be made easier by using translation apps, seeking providers that offer multilingual services, or relying on the language support often included in international health insurance plans like those from Cigna Global or Allianz Care, which provide 24/7 assistance in multiple languages. Additionally, having access to telemedicine apps (like GeoBlue’s Global TeleMD™) can help you connect with medical professionals who speak your language. To better understand your international health insurance plan, utilizing dedicated customer support services, such as Pacific Prime’s advisory teams, can clarify benefits and guide you through claims processes.
For personalized advice or plan comparisons tailored to your healthcare and language needs, feel free to reach out via our Contact Us page!
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