Top 10 Insurance Companies in Australia for Expats
The top 10 insurance companies in Australia for expats are Bupa Global, Allianz, AXA, Cigna, William Russell, Generali, IMG, Morgan Price, NOW Health, and AIA. These companies provide expats with the coverage they need during their stay in Australia.
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If you’re an expat currently living in Australia or an expat planning to relocate to Australia, keep reading this article to better inform your decision on which insurer to choose. But fret not; you can always contact our brokers for assistance at no cost.
In this Pacific Prime article, we’ll go into detail on each insurer, their coverage types, and why expats should consider working with brokers to secure their health insurance.
A List of the Top 10 Insurance Companies in Australia
The top 10 insurance companies in Australia for expats are Bupa Global, Allianz, AXA, Cigna, William Russell, Generali, IMG, Morgan Price, NOW Health, and AIA. These companies provide expats with the coverage they need during their stay in Australia.
Below is a list of the top 10 insurers in Australia with their brief descriptions:
- Bupa Global: Known for its extensive global network and excellent customer support.
- Allianz Worldwide Care: Renowned for its robust network and reliable customer service.
- AXA: Offers multiple international health insurance plans, including extensive health coverage for medical treatments, dental care, and emergency evacuation services.
- Cigna Global: Provides customizable health insurance plans with comprehensive health benefits, medical evacuation, routine check-ups, and dental and vision care.
- William Russell: Specializes in health insurance for expats, offering plans that cover medical expenses, maternity care, dental care, and emergency medical evacuations.
- Generali Global Assistance: Known for its global presence and reliable service.
- IMG Global: Provides comprehensive coverage tailored to expats’ needs.
- Morgan Price: Known for its personalized service and extensive coverage options.
- NOW Health International: Known for its international network and strong customer service support.
- AIA: Known for its focus on holistic health and extensive network across Asia-Pacific regions.
1. Bupa Global
Bupa Global offers comprehensive international health insurance plans that include coverage for medical care, dental, maternity, mental health, and emergency evacuations. They have extensive global networks and provide excellent customer support, which is crucial for expats.
Listed below are the health insurance plans offered by Bupa Global:
Select Global Health Plan
- Annual Limit: USD $1,587,100
- Coverage: Health screenings and wellness checks (after a waiting period), medical evacuation.
Premier Global Health Plan
- Annual Limit: USD $2,380,600
- Coverage: Worldwide coverage, health screenings, wellness checks (after a waiting period), vaccinations, dental, and optical coverage.
Major Medical Global Health Plan
- Annual Limit: USD $3,174,200
- Coverage: Worldwide coverage, medical evacuation, sudden unexpected emergencies and major medical expenses and repatriation.
2. Allianz Worldwide Care
Allianz offers various health insurance plans with global coverage, including Essential, Classic, and Premier plans. These plans cover inpatient and outpatient treatments, dental care, and medical evacuations. Allianz is known for its robust network and reliable customer service.
Listed below are the health insurance plans offered by Allianz Worldwide Care:
Allianz Care Plan:
- Annual Limit: USD $2,500,000
- Coverage: Semi-private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency out-patient treatment.
Allianz Care Plus Plan:
- Annual Limit: USD $4,000,000
- Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency out-patient and dental treatment.
Allianz Care Pro Plan:
- Annual Limit: USD $5,000,000
- Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency out-patient and dental treatment, preventive surgery, laser eye treatment.
3. AXA
AXA provides many plans for international health insurance, including Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans. They offer extensive health coverage, including medical treatments, dental care, and emergency evacuation services, making it a reliable choice for expats.
Listed below are the health insurance plans offered by AXA:
Foundation Plan
- Annual Limit: USD $160,000
- Coverage: Inpatient hospital charges and surgeries, emergency care, medical evacuation and repatriation, cancer treatments, ambulance transport, optional outpatient treatment and drugs.
Standard Plan
- Annual Limit: USD $1,600,000
- Coverage: All Foundation plan benefits, plus dental care (not check-ups), an increased annual limit, optional outpatient treatment, and drugs.
Comprehensive Plan
- Annual Limit: USD $2,400,000
- Coverage: All Standard plan benefits, plus chronic conditions, eye tests and prescription glasses, outpatient treatment, tests, and vaccinations.
Prestige Plan
- Annual Limit: USD $3,200,000
- Coverage: All Comprehensive plan benefits, plus routine pregnancy care, annual health checks, and an increased annual limit.
Prestige Plus Plan
- Annual Limit: USD $8,000,000
- Coverage: Includes all Prestige plan benefits with the highest annual limit offered by AXA.
4. Cigna Global
Cigna offers customizable health insurance plans with levels such as Silver, Gold, and Platinum. These plans include comprehensive health benefits, medical evacuation, routine check-ups, and dental and vision care. Cigna’s extensive global network and flexibility make it ideal for expats.
Listed below are the health insurance plans offered by Cigna Global:
Silver Health Insurance Plan
- Annual Limit: USD $1,000,000
- Coverage: Coverage includes core medical benefits such as inpatient and outpatient care, specialized cancer care, and mental health care up to $5,000. You will also have access to private hospital rooms, transplant services, and palliative care.
Gold Health Insurance Plan
- Annual Limit: USD $2,000,000
- Coverage: Includes all Silver plan benefits, as well as routine maternity care up to $7,000, and coverage for pregnancy complications and newborn care. Additionally, it encompasses advanced imaging, rehabilitation services, home nursing, treatment for obesity, and care for congenital conditions.
Platinum Health Insurance Plan
- Annual Limit: Unlimited
- Coverage: Includes all Gold plan benefits with most benefits paid in full. It provides full coverage for inpatient, and outpatient care, as well as comprehensive cancer care and full mental and behavioral health care. Routine maternity inpatient care is covered up to $14,000.
Close Care Health Insurance Plan
- Annual Limit: USD $500,000
- Coverage: Includes core medical benefits, cancer care, and semi-private rooms for inpatient and outpatient care. It also provides emergency hospitalization coverage for short trips, up to $40,000. Please note that the plan excludes medical evacuation, maternity care, and travel safety services.
5. William Russell
William Russell specializes in health insurance for expats, offering plans such as: Bronze, SilverLite, Silver, and Gold. These plans cover medical expenses, maternity care, dental care, and emergency medical evacuations.
Listed below are the health insurance plans offered by William Russell:
Bronze
- Annual Limit: USD $1,500,000
- Coverage: The Bronze plan provides semi-private rooms with the option to upgrade to a private room. It offers full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests. Local ambulance services are fully covered.
SilverLite
- Annual Limit: USD $1,500,000
- Coverage: The SilverLite plan also includes semi-private rooms with the option to upgrade to a private room. It covers hospital treatment, parent accommodation, and advanced diagnostic tests in full. Local ambulance services are covered up to USD $1,600.
Silver
- Annual Limit: USD $2,500,000
- Coverage: The Silver plan features private rooms as standard. It provides full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests. Local ambulance services are fully covered. The hospital cash benefit is up to USD $200 per night, with a maximum of 60 nights.
Gold
- Annual Limit: USD $5,000,000
- Coverage: The Gold plan includes private rooms. It offers full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests, as well as local ambulance services. The hospital cash benefit is up to USD $350 per night, with a maximum of 60 nights.
6. Generali Global Assistance
Generali offers Select, Classic, and Premier plans, as well as outpatient options. These plans provide extensive coverage for inpatient and outpatient care, medical evacuation, and wellness programs. Generali’s global presence and reliable service make it a strong option for expats.
Listed below are the health insurance plans offered by Generali:
Select
- Annual Limit: USD $1,000,000
- Coverage: Includes outpatient services, ambulatory services, emergency assistance, evacuation, and repatriation services.
Classic
- Annual Limit: USD $3,000,000
- Coverage: Includes outpatient services, ambulatory services, emergency assistance and evacuation, repatriation services, partial coverage of hospice care, and partial coverage of inpatient emergency dental treatment.
Premier
- Annual Limit: USD $4,500,000
- Coverage: Includes full coverage of outpatient services, ambulatory services, emergency assistance and evacuation, repatriation services, hospice care, and inpatient emergency dental treatment.
7. IMG Global
IMG focuses on international and travel health insurance for individuals, families, and companies. Their plans, such as Medical Insurance, offer comprehensive coverage tailored to expats’ needs.
Listed below are the health insurance plans offered by IMG:
Bronze
- Annual Limit: USD $1,000,000
- Coverage: Includes physician visits, hospitalization, surgery, lab & X-rays, physical therapy, and partial coverage for specialist visits.
Silver
- Annual Limit: USD $5,000,000
- Coverage: Includes physician visits, hospitalization, surgery, lab & X-rays, physical therapy, and partial coverage for specialist visits.
Gold
- Annual Limit: USD $5,000,000
- Coverage: Includes full coverage for physician visits, hospitalization, surgery, lab & X-rays, physical therapy, and partial coverage for specialist visits.
Platinum
- Annual Limit: USD $8,000,000
- Coverage: Includes full coverage for physician visits, hospitalization, surgery, lab & X-rays, physical therapy, and partial coverage for specialist visits.
8. Morgan Price
Morgan Price offers a range of international health insurance plans, such as standard, premium, and elite, with options for coverage, including outpatient, inpatient, and emergency evacuation services. Their focus on personalized service and extensive coverage options make them suitable for expats.
Listed below are the health insurance plans offered by Morgan Price:
Standard
- Annual Limit: USD $5,00,000
- Coverage: inpatient and outpatient, medical evacuations and repatriations, cancer treatment, cash benefits, home country coverage, outpatient consultations, chronic condition treatments, emergency treatments outside of the coverage area, and routine checks.
Standard Plus
- Annual Limit: USD $1,000,000
- Coverage: inpatient and outpatient, medical evacuations and repatriations, cancer treatment, cash benefits, home country coverage, outpatient consultations, chronic conditions, emergencies outside of coverage area, routine checks, organ transplants, and dental.
- Note: Please note that home country coverage excludes the USA.
Premium
- Annual Limit: USD $1,500,000
- Coverage: inpatient and outpatient, medical evacuations and repatriations, cancer treatment, cash benefits, home country coverage, outpatient consultations, chronic conditions, emergencies outside of coverage area, routine checks, organ transplants, dental, routine maternity, and infertility.
- Note: Please note that home country coverage excludes the USA.
Elite
- Annual Limit: USD $2,000,000
- Coverage: inpatient and outpatient, medical evacuations and repatriations, cancer treatment, cash benefits, home country coverage, outpatient consultations, chronic conditions, emergencies outside of the coverage area, routine checks, organ transplants, dental, routine maternity, and infertility.
- Note: Please note that home country coverage excludes the USA.
9. NOW Health International
NOW Health International provides global health insurance plans with extensive coverage for medical care, emergency evacuation, and wellness programs. Their international network and strong customer service support are advantageous for expats in Australia.
Listed below are the health insurance plans offered by NOW Health International:
WorldCare Essential
- Annual Limit: USD $3,000,000
- Coverage: For those who need coverage for major in-patient medical events, Now Health International offers the WorldCare Essential plan. If you need coverage for both in-patient and out-patient medical care, this is the most affordable option.
- Note: Please note that home country coverage excludes the USA.
WorldCare Advance
- Annual Limit: USD $3,500,000
- Coverage: The WorldCare Advance plan from Now Health International pays for all types of medical care, including in-and out-patient visits, as well as those to primary care physicians and specialists.
- Note: Please note that home country coverage excludes the USA.
WorldCare Excel
- Annual Limit: USD $4,000,000
- Coverage: When compared to WorldCare Advance, the benefits of Now Health International’s WorldCare Excel plan for inpatient, outpatient, and day treatments are superior. It covers both basic and advanced dental treatment after a nine-month waiting period.
- Note: Please note that home country coverage excludes the USA.
WorldCare Apex
- Annual Limit: USD $4,500,000
- Coverage: There is no more all-inclusive plan than WorldCare Apex from Now Health International. It goes above and beyond WorldCare Excel in covering in-patient, out-patient, and routine maternity care as well as other types of treatment.
- Note: Please note that home country coverage excludes the USA.
10. AIA
AIA offers health insurance plans under the Vitality program that include comprehensive medical coverage, wellness programs, and emergency evacuation services. Their focus on holistic health and extensive network across Asia-Pacific regions make them a good choice for expats in Australia.
Given that AIA does not specify their plans to maximize flexibility for their clients, it is strongly recommended that you consult a broker and compare quotes.
How a Broker Can Assist with Your Healthcare Needs
Working with a broker can significantly simplify the process of matching your budget to your healthcare needs and managing pre-existing conditions. They offer valuable services such as policy clarity, personalized coverage, policy and claim support, after-sale assistance, and local expertise.
Here are several benefits of working with a broker:
- Policy Clarity: Brokers are responsible for clearly explaining the details of available insurance policies. This enables expats to confidently select plans that maximize their benefits.
- Personalized Coverage: A broker can help identify the best health insurance policy tailored to your specific needs and budget, allowing for customized coverage that fits your personal requirements and financial constraints.
- Support with Policies and Claims: Collaborating with an insurance broker provides assistance with filing claims, renewing policies, and managing other necessary paperwork with your insurer.
- Post-Sale Support: The level of service provided by an insurance broker is greatly influenced by their after-sales support. Expats can rely on brokers to address any questions or concerns about their health insurance throughout their stay abroad.
- Local Knowledge and Cultural Insight: Insurance brokers possess extensive knowledge of the Australian insurance market, regulations, and healthcare providers. This expertise enables them to recommend insurance plans that best match your specific healthcare needs and preferences.
Frequently Asked Questions
What are the best health insurance companies for expats in Australia?
Expats in Australia can choose from ten of the best insurance providers: Bupa Global, Allianz, AXA, Cigna, William Russell, Generali, IMG, Morgan Price, NOW Health, and AIA. For the duration of their stay in Australia, these businesses offer expats the necessary health coverage.
What should expats include as part of their medical insurance coverage?
When choosing medical coverage as an expat in Australia, consider comprehensive plans that cover inpatient and outpatient care, surgeries, and specialist consultations. Ensure your plan includes emergency medical evacuation and repatriation and preventive care like check-ups and vaccinations.
How can expats secure health insurance for life in Australia?
Expats in Australia can buy private or employer-provided health insurance. Private health insurance can be acquired from insurance brokers, offering numerous benefits over public options, including broader coverage, access to private healthcare facilities and after-sales support.
Conclusion
Choosing the right health insurance as an expat in Australia can be a daunting task. The top 10 insurance companies, including Bupa Global, Allianz, AXA, Cigna, William Russell, Generali, IMG, Morgan Price, Aetna, and AIA, offer a variety of plans tailored to the needs of expatriates.
With over 1,000 employees and insurance expertise across four continents, Pacific Prime ensures that expats in Australia have access to top-tier health insurance coverage, making the transition to a new country smoother and more secure.
If you plan on living elsewhere, you may also read up on the Top 10 Insurance Companies in Singapore for Expats and the Top 10 Insurance Companies in the United Kingdom for Expats.
Start finding peace of mind today by comparing quotes or contacting us.
Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.
In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
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