Health Insurance for Expats in Myanmar

Myanmar International Health Insurance for Expats

It is highly recommended that expats living in Myanmar purchase an international medical insurance plan because local insurance plans are highly limited and there are no public insurance schemes in the country.

International health insurance packages are designed specifically for the unique circumstances of living abroad, making them the preferred option for most expatriates. These global health plans can cover you in every country, offer services in most languages, and be customized to your needs.

International health insurance plans can include coverage for:

• Inpatient
• Outpatient
• Vision
• Dental
• Maternity
• Preventative care

In this Pacific Prime article, we'll explain what health insurance options are available to expats, how Myanmar's healthcare system is set up, what expats should consider when picking their insurance policy, and what health and safety tips travelers should know before departure.

Recommended International Health Insurance Plans for Expatriates Living in Myanmar

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

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Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $5,000,000

Plan Details Get a Quote

The Healthcare System in Myanmar

Myanmar’s healthcare system has an overall poor healthcare infrastructure and low funding. There is a wide health disparity in Myanmar among rural and marginalized communities that creates highly limited access to healthcare for many.

Millions of people in Myanmar lack access to basic health services, medicines, and vaccinations. Myanmar needs to improve their primary health care, disease prevention, and health promotion, including equitable access to essential medications and vaccines.

There is also a shortage of qualified healthcare professionals. Many doctors are trained overseas, but they are often under-resourced and over-worked.

Emergency services are limited and their response times can be slow. Serious injuries or illnesses may require emergency evacuation to another country, so it’s essential for expats to have insurance to cover these transportation expenses. Specialized care is not usually available.

Myanmar Public Sector and Hospitals

Myanmar’s public and private healthcare sectors both have a shortage of essential medicines and equipment. Within the larger cities, there are more health supplies available, however, so expats will want to maintain close access to city hospitals.

Traditional medicine is still widely accepted and practised in Myanmar alongside modern medicine treatments. This is especially true in rural areas.

Here is a basic summary of public healthcare in Myanmar:

• Public healthcare is funded and managed by the government through the Ministry of Health.
• Services are theoretically free or low-cost, but patients often pay out of pocket for medicine, equipment, and even basic supplies.
• Facilities are limited in quality, particularly outside major cities.
• Overcrowding and understaffing are common in public hospitals.

Myanmar Private Sector and Hospitals

The private health sector in Myanmar is more reliable than public facilities because they have shorter wait times, cleaner facilities, and more attentive service. Even in the private sector, though, infection control and basic hygiene may not be up to Western standards.

Expats often choose to seek care abroad for advanced treatments or emergency care, making it even more essential to have emergency evacuation coverage and worldwide protection that travels with you.

Here is a basic summary of private healthcare in Myanmar:

• Private healthcare offers better quality care and shorter wait times than public facilities.
• Private care is primarily located in urban centers like Yangon, Mandalay, and Naypyidaw.
• Expats and wealthier locals typically use private hospitals or clinics.
• Costs are significantly higher, and advanced medical technology may still be limited.

Some of the notable private hospitals for expats in Myanmar are:

• Pun Hlaing Hospitals (Yangon and Mandalay)
• International SOS Clinic (Yangon)
• Samitivej International Clinic (Yangon)
• Asia Royal Hospital (Yangon)
• Parami Hospital (Yangon)

Health Insurance Options in Myanmar for Expats

Expats in Myanmar generally purchase international health insurance that includes evacuation coverage options and worldwide protection. There is no universal health coverage system in place in Myanmar for citizens or expats. Most citizens pay out of pocket for healthcare.

There are local health insurance options, but they are limited in coverage and not typically used by expats.

Public Insurance in Myanmar

Myanmar does not have a universal health insurance system comparable to those in many developed countries. The public health system offers basic, low-cost care, but it is not supported by a national health insurance program for residents or expats.

If a public facility chooses to offer public insurance, here are some of their commonalities:

• Limited Coverage: Most healthcare in public facilities is either free or very low-cost, but patients often need to pay out of pocket for medicines, diagnostics, and supplies.
• No Formal Public Insurance for Expats: Foreigners are not covered under any government health insurance scheme and must pay in full for services, even in public hospitals.
• Low Standards of Care: The quality and availability of public services are limited, especially in rural areas, making public health services unsuitable for most expats.

Public health insurance is not a viable option for expats in Myanmar, so they will need to purchase private insurance.

Private Insurance in Myanmar

Expats in Myanmar typically purchase private health insurance, either from local providers (with limited coverage) or, more commonly, from international insurers offering global or regional expat plans.

Though international coverage is more expensive, it is highly recommended for reliable coverage, higher treatment standards, and access to care abroad.

Some of the common benefits and add-ons that are available through private insurance include:

• Inpatient and day-patient care
• Outpatient and specialist visits
• Emergency medical care and transportation
• Vision care
• Dental care
• Maternity and infertility treatments
• Preventative care
• Emergency medical evacuation and repatriation
• A wider range of prescriptive medications
• Mental health care and various therapy modalities
• 24/7 virtual doctor appointments
• 24/7 support from insurance experts
• Some travel insurance benefits

With a private international insurance plan, expats can build their own insurance plan by selecting their tier of coverage, deductible/copay contributions, add-on packages, medical provider, and more. 

This freedom of choice enables expats to get coverage for what they need to protect their health and wellbeing. Learn how a broker can help expats pick the right insurance plan for their time in Myanmar. The benefits are incredible!

Best Private Insurance for Expats in Myanmar

NOW Health International, Allianz Care, Morgan Price, A+ International, and Cigna Global are the best private international health insurance providers for expatriates living and/or working in Myanmar.

Let’s learn a little more about each provider below. Feel free to read our article detailing the top 10 international health insurance providers for more suggestions.

NOW Health International

NOW Health International offers coverage in over 200 territories, and expats choose NOW Health because of their customer-focused services and extensive worldwide provider network. SimpleCare plans are designed to be cost-effective for expats, and Worldcare plans offer more comprehensive coverage.

Here are some NOW Health International highlights:

• In-patient and day-patient care
• Organ transplant
• Evacuation and repatriation
• Cancer treatment
• Rehabilitation

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Allianz Care

Allianz Care is a world-leading health insurance provider for expats living globally. As the international health brand of the larger Allianz Partners, Allianz Care offers health, life, critical illness, and disability insurance around the globe in 75 countries and over 58 languages.

Here are some more Allianz highlights:

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

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Morgan Price

Morgan Price has been an international insurance provider for over 25 years, and they sell expats health, dental, vision, inpatient, and outpatient insurance. Morgan Price can insure individuals, families, groups, and corporations, and they cover newly diagnosed medical conditions.

Here are some Morgan Price highlights:

• 24-hour helpline
• Flexible deductibles and premiums
• Cutting-edge claims processes
• Five private insurance plans for expats

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A+ International

A+ International has been a leading global insurance provider since 2008, serving expats in over 150 countries with over 10,000 physicians. A+ International offers four worldwide plans, four Southeast Asia plans, and four Easy Care+ plans designed for serious illnesses and hospitalization stays.

Here are some A+ International highlights:

• 24/7 Support
• Reimbursement limit up to USD $4,050,000
• Borderless coverage
• Robust network of highly qualified hospitals, clinics and medical professionals

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Cigna Global

Cigna Global offers international health insurance to expats living in more than 200 markets and territories around the world. Cigna has 1.5 million health professionals and 24/7 customer support workers who speak more than 50 languages. Individuals, families, and businesses can get Cigna coverage.

Here are some more Cigna highlights:

• Hospitalization
• Inpatient and outpatient services
• Cancer treatment
• Physiotherapy
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

Consider This When Picking Health Insurance in Myanmar

Expats in Myanmar who are picking their health insurance plan should consider plans that include coverage for emergency evacuation, pre-existing health conditions, and direct billing payments. It’s also important to pick insurers with a reliable reputation and a simple and quick claims process.

Here are some topics to consider when picking medical coverage:

1. Coverage for International Medical Treatment: Myanmar’s healthcare system is limited, particularly outside major cities. It’s important to choose a plan that includes coverage for medical treatment abroad, especially in countries like Thailand or Singapore where standards are significantly higher.
2. Access to Private Hospitals: Public hospitals in Myanmar often lack the equipment and staff to provide high-quality care. A good insurance plan should give you access to reputable private hospitals, especially in Yangon or Mandalay, and ideally offer direct billing options.
3. Emergency Evacuation and Medical Repatriation: In the event of a serious illness or injury, medical evacuation is often needed. Look for insurance that includes 24/7 emergency evacuation services, ideally to nearby international hospitals, and coverage for returning to your home country if needed.
4. Pre-Existing Conditions and Chronic Illness Coverage: Many policies exclude pre-existing conditions, so it’s essential to find one that either offers coverage after a waiting period or allows customization based on your medical history.
5. Direct Billing Network and Claims Process: Managing medical expenses out of pocket can be a burden. An ideal policy should include a network of local providers that accept direct billing and offer a simple, efficient claims process—preferably through an app or online platform.
6. Preventive Care and Vaccinations: Given the risk of tropical diseases like dengue and malaria, preventive healthcare is a must. Your insurance should include coverage for annual checkups, routine screenings, and vaccinations.
7. Mental Health and Maternity Services: If relevant to your needs, make sure your plan includes mental health support and maternity care, including prenatal visits and even the option for delivery abroad where care might be more comprehensive.
8. Language Support and Customer Service: Medical situations can be stressful, especially in a foreign country. Reliable, 24/7 customer support with multilingual assistance is a key feature to look for in any plan.
9. Cost versus Coverage Balance: The cheapest policy isn’t always the best. Pay attention to what’s included in the coverage—such as limits, exclusions, and deductibles—and weigh that against the cost to ensure good value.
10. Provider Reputation: Finally, choose a trusted insurance provider with a strong reputation among expats and experience operating in Southeast Asia. Companies like Cigna, Bupa, Allianz, or GeoBlue often offer robust, reliable coverage suited to Myanmar’s unique challenges.

Health & Safety Tips for Travelers in Myanmar

There can be political and military unrest in Myanmar, so it’s essential for travelers to check official travel advisories before they depart. Travelers should also avoid drinking tap water or eating raw meats, fruits, and vegetables, eat only fully cooked meat, and protect against illnesses.

Here are some health and safety tips for travelers in Myanmar (Burma):

1. Stay Updated on Travel Advisories: Before and during your trip, regularly check official travel advisories. Political unrest and regional conflicts can affect certain areas, and it’s important to stay informed about any safety risks.
2. Drink Safe Water: Tap water in Myanmar is not safe to drink. Stick to bottled or filtered water, including for brushing your teeth, and avoid ice in drinks unless you’re sure it’s from a safe source.
3. Practice Food Safety: Enjoying local cuisine is a highlight, but stick to freshly cooked food from reputable vendors or busy restaurants. Avoid raw or undercooked meats and unwashed fruits and vegetables.
4. Be Cautious with Street Food: Street food can be delicious, but hygiene varies. Choose stalls with high turnover, where food is hot and freshly prepared, and observe cleanliness before ordering.
5. Protect Against Mosquitoes: Mosquito-borne illnesses like dengue and malaria are present in Myanmar. Use insect repellent, sleep under mosquito nets if necessary, and wear long sleeves and pants in rural or high-risk areas.
6. Stay Up to Date on Vaccinations: Consult a travel health clinic before your trip to ensure you’re up to date on recommended vaccines. Common ones include hepatitis A and B, typhoid, Japanese encephalitis, and tetanus.
7. Practice Road Safety: Road conditions and driving standards can be poor. Avoid traveling by road at night, wear seat belts when available, and use reputable drivers or transport services whenever possible.
8. Secure Your Belongings: Petty theft can occur, particularly in crowded areas and tourist spots. Keep valuables out of sight, use hotel safes, and carry only what you need when exploring.
9. Respect Local Laws and Customs: Myanmar is conservative and culturally distinct. Dress modestly, especially at religious sites, and avoid any political discussions or activities, as this could attract unwanted attention from authorities.
10. Have Reliable Travel Insurance: Travel insurance should include comprehensive medical coverage, emergency evacuation, and coverage for trip interruptions. Access to quality healthcare may require evacuation to another country, so coverage for this is essential.

Frequently Asked Questions:

Does Myanmar have health insurance for expats?

Myanmar has limited local health insurance options for expats and coverage may not meet international standards. Most expats rely on international health insurance plans that include medical evacuation and treatment abroad.

Does my U.S. health insurance work in Myanmar?

Most U.S. health insurance plans do not provide coverage in Myanmar, especially for routine or emergency care. You’ll likely need separate travel or international health insurance to ensure adequate coverage while abroad.

Are expats required to have health insurance in Myanmar?

Expats are not legally required to have health insurance in Myanmar. However, due to limited healthcare infrastructure and potential high costs for private care or medical evacuation, securing comprehensive international health insurance is strongly recommended.

Conclusion: Compare Plans and Quotes Now

Most individuals spending extended time in Myanmar use an international health insurance plan from one of the above mentioned reliable insurance providers. This grants them peace of mind while they travel, because they know they have financial protection in case a health emergency comes up.

Since it can feel overwhelming to know which provider and plan to go with yourself, consulting with a professional who knows the market and the options can simplify and speed up the process. There are many benefits for using a broker when getting insurance, including saving money and time!

As an insurance broker with over 20 years of experience in the industry, Pacific Prime offers a wide spectrum of health insurance policies. From family insurance and maternity coverage to travel insurance, we can find the perfect plan that balances your budget with your needs.

Get a free quote now with our online comparison tool that features over 50,000 insurance plans. For tailored, impartial advice, contact our team of expert insurance advisors today!