{"id":12844,"date":"2025-08-18T21:54:39","date_gmt":"2025-08-18T13:54:39","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=12844"},"modified":"2026-02-16T23:16:52","modified_gmt":"2026-02-16T15:16:52","slug":"international-health-insurance-need-to-know-when-living-abroad","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-need-to-know-when-living-abroad.html","title":{"rendered":"International Health Insurance for Expats: Coverage, Costs, and Benefits"},"content":{"rendered":"<p>Expats, long-term travelers, and digital nomads need international health insurance because most domestic insurance policies, including U.S. plans, do not provide coverage overseas. These global medical plans ensure you are protected against emergencies, illnesses, hospital stays, and even routine care while living abroad. Depending on your needs, you can select a plan limited to your country of residence or one that offers worldwide protection.<\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\">International health insurance<\/a> covers medical costs such as emergency treatment, hospitalization, doctor consultations, prescriptions, and preventive care. Many policies also include benefits like maternity, dental, and evacuation services. Choosing the right plan helps you avoid unexpected expenses and guarantees access to quality healthcare anywhere in the world.<\/p>\n<div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n\n<h2>What is International Health Insurance?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-23996 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope.webp\" alt=\"Image of Health Card Placed Beside A Stethoscope with text overlay of &quot;What is International Health Insurance?&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/health-card-placed-beside-a-stethoscope-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><strong>International health insurance is coverage for the medical expenses you accrue when living or traveling abroad<\/strong>. Expat health insurance can kick in for medical emergencies, illnesses or injuries, preventative care and treatments, and much more. You often pick either a private or public provider.<\/p>\n<h3>Private Health Insurance Options for Expats<\/h3>\n<p>Expats and nomads can choose to purchase private health insurance either through a <strong>local provider<\/strong> in their country of residence or a <strong>global insurance provider<\/strong> that offers insurance across a number of countries.<\/p>\n<p>Private insurance typically costs more, but it includes a wider array of benefits, such as:<\/p>\n<ul>\n<li>Private hospitals and clinics<\/li>\n<li>Facilities with a higher level of medical supplies, sanitation, and western technology<\/li>\n<li>Physicians and medical personnel who speak English and other languages<\/li>\n<li>A more comprehensive insurance plan with benefits such as maternity and dental coverage<\/li>\n<\/ul>\n<p>The majority of this post will speak about private international health insurance plans because local plans are specific to your country of residence.<\/p>\n<div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n\n<h3>Public Health Insurance for Expats<\/h3>\n<p>Expats and nomads can also choose to utilize <strong>the public insurance scheme in their country of residence<\/strong> if one is available. These plans typically offer basic emergency medical coverage. They may or may not cover preventative care, such as annual well-checks and services.<\/p>\n<p>Public medical coverage can be more affordable and, in some countries, included in your tax deductions. These insurance plans, however, typically have:<\/p>\n<ul>\n<li>Longer wait times because you are unable to make appointments ahead of time<\/li>\n<li>Busier and less updated facilities<\/li>\n<li>Plans with a higher number of exclusions than Westerners are used to<\/li>\n<li>Little or no access to professionals who speak your native language<\/li>\n<\/ul>\n<p>Learn more about the differences between<a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-needed-private-insurance.html\" target=\"_blank\" rel=\"noopener\"> public and private health insurance plans<\/a> with this example in Thailand.<\/p>\n<h3>Typical Coverage in Expat Health Insurance Plans<\/h3>\n<p>Private international health insurance for expats living abroad typically covers inpatient coverage for day and overnight care. This includes hospital admission and any nursing, testing, and medicinal fees, etc. Outpatient care is also common in some plans. Vision and dental add-ons are common.<\/p>\n<p>Here\u2019s a list of typical coverage benefits for expat health insurance:<\/p>\n<ul>\n<li>Emergency transportation and treatment<\/li>\n<li>Doctor and specialist consultations<\/li>\n<li>Hospitalization<\/li>\n<li>Prescription medications<\/li>\n<li>Emergency evacuation and repatriation<\/li>\n<li>Surgery and anesthesia<\/li>\n<li>Labs and testing (MRIs, CAT SCANS, etc.)<\/li>\n<li>Emergency dental care<\/li>\n<li>Maternity care<\/li>\n<li>Outpatient treatments and consultations<\/li>\n<\/ul>\n<p>To see specific plan benefits and to compare prices of the best insurance providers, try out our<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"> insurance quote generator<\/a>. It\u2019s a free online resource that\u2019s hard to beat because it compares multiple insurer plans side by side!<\/p>\n<h2>Why Expats Should Have Private Health Insurance<\/h2>\n<p>Most U.S. health insurance plans do not provide coverage for expats living abroad, so<a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/your-health-abroad\/insurance-providers-overseas.html#:~:text=The%20U.S,Health%20Abroad.\" target=\"_blank\" rel=\"noopener\"> the U.S. government highly recommends you purchase insurance<\/a> before you travel. Medicare and Medicaid typically provide no coverage for U.S. citizens overseas either.<\/p>\n<p>The U.S. government also suggests you make sure your international health insurance plan<a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/international-travel\/before-you-go\/your-health-abroad.html#:~:text=Check%20Your%20Health%20Insurance%20%E2%80%93%20Are%20You%20Covered%20Abroad%3F\" target=\"_blank\" rel=\"noopener\"> includes coverage for medical evacuation<\/a> since that can cost more than USD $50,000. Most global private insurance providers do offer this as a core benefit.<\/p>\n<p>Read more about the specific limitations of<a href=\"https:\/\/www.pacificprime.com\/blog\/does-thailand-accept-us-medicare.html\" target=\"_blank\" rel=\"noopener\"> U.S. Medicare insurance abroad<\/a> in this blog post.<\/p>\n<div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2>How International Health Insurance Works<\/h2>\n<p>How global health insurance typically works for expats is they find an insurance provider, either on their own or through a broker, and then select from that provider\u2019s available plans. There are often various levels of coverage for each plan that change your maximum limits, cost, and benefits, etc.<\/p>\n<p>Health insurance plans typically last for a year, and then they can either be renewed, or you can pick a new plan and\/or provider. We will discuss in the next few sections some of the choices and variables you have that can customize each plan to your individual needs.<\/p>\n<p>If you choose to work through <a href=\"https:\/\/www.pacificprime.com\/\" target=\"_blank\" rel=\"noopener\">Pacific Prime<\/a>, we will assist you as you adjust your plan to fit your needs and budget.<\/p>\n<h3>Types of Global Health Insurance Plans<\/h3>\n<p>Expat health insurance plans can be geared to <strong>individuals<\/strong>, <strong>families<\/strong>, or <strong>employee benefits<\/strong>. They can be designed for <strong>short-term<\/strong> coverage or <strong>long-term<\/strong> coverage. They can be designed for <strong>global <\/strong>coverage or <strong>specific destinations<\/strong>. You\u2019ll want to find the type of plan catered to your individual needs.<\/p>\n<h3>Annual Benefit Limits Explained<\/h3>\n<p>Global health insurance plans have a maximum annual limit or a total monetary limit of how much money you can receive in a year. There are also monetary limits on how much money you can receive for a specific benefit per year or per event. You get to select your annual benefits limit.<\/p>\n<p>Typically, the higher your maximum benefits amount is, the more your plan will cost; the lower your annual limit, the lower your premiums will be. A higher annual benefits limit will have more comprehensive benefits.<\/p>\n<h3>Coverage Regions for Expat Health Insurance<\/h3>\n<p>Most expat insurance plans let you select your area of coverage from <strong>worldwide <\/strong>(which literally means anywhere in the world) or <strong>worldwide excluding the U.S<\/strong>. This second option can make your premiums lower and your plan more affordable, but it means you will have no health coverage when in the U.S.<\/p>\n<p>There are also health insurance plans <strong>designed for a specific country<\/strong>. For example, if you choose an<a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-hong-kong\/\" target=\"_blank\" rel=\"noopener\"> insurance plan with exclusive coverage in Hong Kong<\/a>, your premiums may be lower than a plan with worldwide coverage, but you won\u2019t have protection in other areas of the world.<\/p>\n<p>Search for plans with either worldwide coverage or coverage limited to a specific country that is catered to<a href=\"https:\/\/www.pacificprime.com\/country\/\" target=\"_blank\" rel=\"noopener\"> the region of the world<\/a> you will be living in.<\/p>\n<h3>Cost Factors and Pricing Options<\/h3>\n<p>The cost of insurance plans fluctuates based on the pricing options the global traveler chooses. Some of these pricing options include monthly or annual <strong>premiums<\/strong>, your <strong>maximum annual limit<\/strong>, <strong>coinsurance <\/strong>and <strong>copay <\/strong>values, and your chosen <strong>deductible<\/strong>.<\/p>\n<p>Here are some pricing tips:<\/p>\n<ul>\n<li>If you choose a higher deductible (which is the amount of money you agree to pay out of pocket annually before insurance kicks in), your premium fee will be lower.<\/li>\n<li>If you choose to pay your premiums annually (your premium being the regular bill you pay for having the insurance plan whether or not you accumulate medical expenses), the total amount you pay in a year may be lower than if you pay your premiums monthly.<\/li>\n<\/ul>\n<div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h3>Insurance Provider Networks<\/h3>\n<p>Most insurance providers have a network, or community, of medical providers they have partnered with. <strong>Patients often get to choose their own physician<\/strong>, and seeing a physician who is within your provider\u2019s network often means insurance will cover more of your expenses.<\/p>\n<p>It can also make billing more seamless, particularly if the insurance provider has direct billing set up with that physician.<\/p>\n<h3>Billing and Claims Process<\/h3>\n<p>Many insurance providers offer a direct billing option. This means that <strong>the physician will send the bill directly to the insurance, and they will pay the bill<\/strong>. They only send you a bill if there is excess you are required to pay. This saves you a lot of hassle and time.<\/p>\n<p>If your provider doesn\u2019t do direct billing, then your medical provider will send you the bill, and you are expected to pay the full amount. After you\u2019ve paid the bill, you submit a claim to your insurance provider requesting they reimburse you the amount of money they are expected to cover.<\/p>\n<p>You can read more about <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\">how international health insurance works here<\/a>.<\/p>\n<h2>Average Cost of Expat Health Insurance<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-23997 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope.webp\" alt=\"Image of Person Writing On Paper Next To A Stethoscope with text overlay of &quot;Average Cost of Expat Health Insurance&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/person-writing-on-paper-next-to-a-stethoscope-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p>The average annual cost of international health insurance for individuals ranges from <strong>USD $3,594 to USD $9,817<\/strong>. The average annual cost for families ranges from <strong>USD $10,586 to USD $28,250<\/strong>.<\/p>\n<p>Below is a chart with some of the average health insurance costs by country. All values are in USD.<\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\">\n<h3><strong>2023-2024 Average Cost of Health Insurance By Country<\/strong><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Country<\/strong><\/td>\n<td><strong>Average Cost for Individuals<\/strong><\/td>\n<td><strong>Average Cost for Families<\/strong><\/td>\n<\/tr>\n<tr>\n<td>United States<\/td>\n<td>$15,296<\/td>\n<td>$34,152<\/td>\n<\/tr>\n<tr>\n<td>Hong Kong<\/td>\n<td>$8,339<\/td>\n<td>$23,558<\/td>\n<\/tr>\n<tr>\n<td>Singapore<\/td>\n<td>$6,855<\/td>\n<td>$19,879<\/td>\n<\/tr>\n<tr>\n<td>Dubai<\/td>\n<td>$5,896<\/td>\n<td>$17,670<\/td>\n<\/tr>\n<tr>\n<td>Taiwan<\/td>\n<td>$5,710<\/td>\n<td>$15,891<\/td>\n<\/tr>\n<tr>\n<td>Israel<\/td>\n<td>$6,317<\/td>\n<td>$17,530<\/td>\n<\/tr>\n<tr>\n<td>Mexico<\/td>\n<td>$5,485<\/td>\n<td>$15,480<\/td>\n<\/tr>\n<tr>\n<td>United Kingdom<\/td>\n<td>$5,770<\/td>\n<td>$15,936<\/td>\n<\/tr>\n<tr>\n<td>China<\/td>\n<td>$5,915<\/td>\n<td>$19,188<\/td>\n<\/tr>\n<tr>\n<td>Spain<\/td>\n<td>$5,193<\/td>\n<td>$14,417<\/td>\n<\/tr>\n<tr>\n<td>Poland<\/td>\n<td>$3,900<\/td>\n<td>$10,710<\/td>\n<\/tr>\n<tr>\n<td>Thailand<\/td>\n<td>$4,695<\/td>\n<td>$18,027<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>To get an accurate quote estimate for your country, age, length of coverage, and health needs, use our<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"> online insurance quote generator<\/a>. This tool pulls from dozens of our top insurance partners and their plans.<\/p>\n<h2>How to Purchase Expat Health Insurance<\/h2>\n<p>Most health insurance plans can be purchased online before you move abroad. Consulting an insurance broker, like Pacific Prime, can make the process easier and more fruitful, as they can help you compare a number of insurance providers until you find the one that\u2019s best for you.<\/p>\n<p>Here are a few things you can do in your research to buy health insurance:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\">Compare various insurance providers\u2019 plans<\/a>, looking carefully at their policy inclusions and exclusions<\/li>\n<li>Search for plans that are designed for<a href=\"https:\/\/www.pacificprime.com\/country\/\" target=\"_blank\" rel=\"noopener\"> the specific country or region of the world<\/a> you will be living in<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">Talk to an insurance expert<\/a> who knows the field and can give you experienced advice<\/li>\n<\/ul>\n<p>Read this article to further learn<a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-needed-how-to-buy-insurance-in-thailand.html\" target=\"_blank\" rel=\"noopener\"> how to buy health insurance abroad<\/a>.<\/p>\n<div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2>Best International Health Insurance Companies<\/h2>\n<p>Among the<a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\" target=\"_blank\" rel=\"noopener\"> top international health insurance providers<\/a> are <strong>Bupa, Cigna, HOW Health, AXA, Allianz Care, Aetna International, GeoBlue, <\/strong>and <strong>IMG<\/strong>. We partner with each of these insurers and more so we can help you compare their plans and negotiate to get you the best deal possible.<\/p>\n<ol>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\" target=\"_blank\" rel=\"noopener\">Bupa<\/a>: Bupa Global offers quality international health insurance plans for expats seeking medical coverage in certain regions with options for worldwide coverage.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\" target=\"_blank\" rel=\"noopener\">Cigna<\/a>: Cigna Global has four core international health insurance plans for expats: Silver, Gold, Platinum, and Close Care. Compare their benefits and exclusions.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/now-health\/\" target=\"_blank\" rel=\"noopener\">NOW Health International<\/a>: Now Health International offers medical insurance plans for expatriates, families, international students, and groups\/employers\/corporations.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\" target=\"_blank\" rel=\"noopener\">AXA<\/a>: AXA has five main international health insurance plans for expats: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\" target=\"_blank\" rel=\"noopener\">Allianz Care<\/a>: As the international health brand of the larger Allianz Partners, Allianz Care offers health, life, critical illness, and disability insurance for individuals, families, and employers around the globe.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/aetna-international\/\" target=\"_blank\" rel=\"noopener\">Aetna International<\/a>: Aetna International operates in a much larger territory than its American counterpart (Aetna) and provides comprehensive health insurance and population healthcare management solutions all around the world.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\" target=\"_blank\" rel=\"noopener\">GeoBlue<\/a>: GeoBlue offers expatriate health insurance, multinational corporate health insurance, and travel insurance plans for individuals and groups.<\/li>\n<li><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\" target=\"_blank\" rel=\"noopener\">IMG<\/a>: IMG Global offers comprehensive international health and travel insurance plans for expat individuals and families, so they are covered worldwide.<\/li>\n<\/ol>\n<h2>Why Use a Broker for Expat Health Insurance<\/h2>\n<p>While insurers offer products and services that are tied to their business, <strong>brokers are in a position to offer dozens, if not hundreds, of plan comparisons from different insurance partners<\/strong>. This doesn\u2019t only save you time, but you get all sorts of benefits.<\/p>\n<p>These benefits include:<\/p>\n<ul>\n<li>Impartial advice<\/li>\n<li>Plan and claims management<\/li>\n<li>Access to an insurance expert\u2019s market knowledge and experience<\/li>\n<li>A liaison between you and the insurer<\/li>\n<li>Broker services for free<\/li>\n<li>And more!<\/li>\n<\/ul>\n<p>Nowadays, there are dozens of<a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\" target=\"_blank\" rel=\"noopener\"> reputable insurers<\/a> to choose from for your needs and budget, which means you can get better deals. However, approaching each one every time or comparing even two can be tedious and arduous.<\/p>\n<p>Even then, the insurance terminology and the process can be quite perplexing and mind-boggling to many. <strong>This is where insurance brokers or intermediaries like Pacific Prime come in,<\/strong> and we don\u2019t charge you a dime! We instead earn commissions through our insurance partners.<\/p>\n<h3>Final Thoughts on Using an Insurance Broker<\/h3>\n<p>While the immediate reaction is to go straight to a popular insurer, it may be in your best interest to contact a reputable insurance broker instead. You could save money and get honest and transparent advice throughout your insurance journey.<\/p>\n<p><strong>Pacific Prime is your one-stop broker for all your individual, family, and corporate needs.<\/strong><\/p>\n<p>Read this post to learn<a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-needed-how-to-choose-insurance-broker.html\" target=\"_blank\" rel=\"noopener\"> how to choose an insurance broker<\/a> that\u2019s right for you.<\/p>\n<h2>FAQs on International Health Insurance<\/h2>\n<h3>Will my US health insurance work if I live abroad?<\/h3>\n<p>U.S. health insurance has highly limited or no coverage when living and traveling outside of the United States. Be sure to check with your current provider if they have benefits overseas. If not, you will need to purchase an international health insurance plan designed for global protection.<\/p>\n<h3>Should I get international health insurance when living abroad?<\/h3>\n<p>International health insurance can provide coverage for inpatient, outpatient, emergency, dental, vision, and maternity care. It can also provide emergency evacuation and repatriation coverage back to your country of origin. Without global health insurance, you will pay for these expenses in full.<\/p>\n<h3>What does expat health insurance cost abroad?<\/h3>\n<p>Individual expats living abroad pay, on average, <strong>USD $3,900 to USD $15,296<\/strong> for health insurance. Expat families living abroad pay on average, <strong>USD $10,710 to USD $34,152<\/strong> for health insurance. This depends on your country. The U.S. is among the most expensive, while Poland is among the cheapest.<\/p>\n<h3>Does expat health insurance cover medical evacuation?<\/h3>\n<p>Medical evacuation and repatriation are very common benefits of international health insurance policies. This benefit provides coverage for you to be transported back to your home country in the event of a medical or local emergency. Fees can cost up to <strong>USD $50,000<\/strong>, so having coverage is essential.<\/p>\n<h3>Are maternity fees covered by international medical insurance?<\/h3>\n<p>Many, but not all, medical insurance plans abroad offer maternity coverage. The inpatient fees for maternity and childbirth are the most common benefits, but you can find plans that have outpatient, well-check coverage. The<a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\" target=\"_blank\" rel=\"noopener\"> top maternity insurance providers<\/a> are VUMI, Allianz Care, AXA, and Cigna.<\/p>\n<h3>Are pre-existing conditions covered by expat insurance?<\/h3>\n<p>Expat health insurance policies may choose to cover or exclude pre-existing conditions. The best way to get<a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\" target=\"_blank\" rel=\"noopener\"> medical insurance abroad for pre-existing conditions<\/a> is through a large group plan, such as through your employer. It is essential to check to see if your specific conditions are covered.<\/p>\n<div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n\n<h2>Conclusion<\/h2>\n<p>We\u2019ve now discussed in detail <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\" target=\"_blank\" rel=\"noopener\">what international health insurance is<\/a>, why expats and travelers who live abroad need it, how to pick the right plan for you, and how much insurance costs on average.<\/p>\n<p>If you found value in this post, you will also like to read <a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-guide-to-working-abroad.html\">A Guide to Working Abroad Health Insurance: Securing Your Health Abroad<\/a> and<a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-overseas.html\" target=\"_blank\" rel=\"noopener\"> Covering Your Health Abroad: The Importance of Overseas Health Insurance<\/a>.<\/p>\n<p>Please<a href=\"https:\/\/www.pacificprime.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\"> reach out to us<\/a> with any questions you have, and we are happy to assist you!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expats, long-term travelers, and digital nomads need international health insurance because most domestic insurance policies, including U.S. plans, do not provide coverage overseas. These global medical plans ensure you are protected against emergencies, illnesses, hospital stays, and even routine care while living abroad. Depending on your needs, you can select a plan limited to your &#8230;<\/p>\n","protected":false},"author":54,"featured_media":23994,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-12844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Living Abroad? 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