Jersey Health Insurance for Expats

International Health Insurance in Jersey for Expats

Expats living in Jersey should consider an international medical insurance plan because these packages are designed specifically for the unique circumstances of living abroad. Global health plans can cover you in every country, offer services in most languages, and be customized.

International health insurance plans can include coverage for:

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

You get to choose your insurance provider, level of coverage, and add-on benefits. Unlike a public insurance plan that is handed to you, with a private international plan you get to customize it to your needs and budget.

In this Pacific Prime article, we'll explain what health insurance options are available to expats, how Jersey'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 Jersey

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

Plan Details Get a Quote

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 Jersey

Jersey’s healthcare system is not part of the UK’s NHS. Jersey has its own separate system with their own rules and regulations. Jersey administers 54 care home services and 39 home care services, and they have a Long-Term Care (LTC) scheme to support individuals who require lifelong care.

The Long-Term Care program is for anyone who has been in Jersey for 10 years or more, and they can receive subsidies either in a care facility or in their home.

Jersey Public Sector and Hospitals

Jersey’s public sector has a high quality of care and it is generally free for residents of longer than six months. The Jersey Care Model emphasizes person-centred care, prevention, and self-care.

Residents can call 999 to get an ambulance in an emergency situation. The emergency departments are open 24/7 and don’t require appointments. There are lots of pharmacies around Jersey, in most parishes, in St. Helier near the town center, and in the General Hospital.

The General Hospital has an antenatal clinic and a labor ward for maternity patients. There is a Special Care Baby Unit for intensive neonatal care.

Jersey Private Sector and Hospitals

The private sector in Jersey also provides high-quality care with high patient satisfaction. General Practitioner surgeries are run by private clinics, and so islanders have to pay for these appointments. These fees can be subsidised for those with a Social Security health card.

Expats tend to prefer the private sector.

Health Insurance Options in Jersey for Expats

Expats who are living and working in Jersey can apply for a public health card after six months of residence in the country. That means for the first six months, however, expats can’t have public health insurance. We recommend securing a private insurance plan during that time instead.

Public Insurance in Jersey: Health Cards

Expats who move to Jersey will not qualify for public health insurance for their first six months. Expats will be expected to pay all hospital and doctor fees out of pocket in full. After six months, expats can apply for a health card which will decrease the cost for GP appointments and medications.

Here are the charges expats should expect to pay during the first six months before they qualify for a public health card:

• Primary care doctor visits
• Non-emergency treatment in hospitals
• Prescriptions
• Ante-natal clinics
• Dental treatment

Once expats get a Jersey health card, it does not cover hospital charges or any clinics other than a general practitioner. Most expats who have been living and working in Jersey for at least six months will qualify for free, non-emergency hospital treatment, but this isn’t always the case. 

Check the charging policies to see if you qualify. Expats who qualify for free hospital care can receive medical treatment in another country, like the UK or Guernsey, free of charge. Medical transportation and/or flights/travel related costs can be covered if you qualify as well.

Individuals with a Social Security health card get free prescriptions. Certain medications can get provided for free. Check the latest prescription list to see what qualifies. Medications not on the list will have a fee.

Private Insurance in Jersey: International Coverage

It is highly recommended that Jersey expats get short-term, private health insurance for at least the first six months of their stay. A private policy can offset the medical fees incurred in the hospital, from prescriptions, and for doctor visits that otherwise would receive no coverage.

Expats may also find that maintaining a private insurance plan even after applying for a health card can help cover many expenses that they’d still be required to pay out of pocket, such as:

• Hospital charges
• Emergency medical transportation and evacuation fees
• Specialist consultations
• Vision care
• Dental care

Expats who choose to go with an international insurance plan instead of a local private provider will get all of the above mentioned benefits, plus their coverage will travel with them around the globe. This ensures that no matter what country you’re in, you’re covered.

To begin comparing plans right away with just one resource, check out our digital insurance quote generator! This is a free resource to all expats that simplifies and speeds up your search for the right plan.

Best Private Insurance for Expats in Jersey

Morgan Price, NOW Health International, Cigna Global, AXA, and VUMI are the best private international health insurance providers for expatriates living and/or working in Jersey.

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.

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
• 5 private insurance plans for expats

Plan Details Get a Quote

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

Plan Details Get a Quote

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
• Medical evacuation and repatriation
• Accidental death or total permanent disability compensation

Plan Details Get a Quote

AXA

AXA Global, also known as AXA Group or simply AXA, has more than 55 years of experience. They serve more than 95 million expats, digital nomads, businesses, and others in over 50 countries. Standard in AXA plans are their second medical opinion service and evacuation and repatriation coverage.

Here are some more AXA highlights:

• Hospital charges and surgery
• Virtual doctor service
• Mind health service
• Emergency coverage
• Medical evacuation and repatriation
• Wide range of cancer treatment
• Ambulance transport
• CT, PET and MRI scans

Plan Details Get a Quote

William Russell

William Russell is a top provider of global health packages catering to expat individuals, digital nomads, families, and students. Those living in Guam will appreciate William Russell’s 6 zones of coverage that grant you the control to customize your premiums and where you get coverage.

Here are some Morgan Price highlights:

• Hospitalization treatment
• Cancer treatment and care
• Emergency evacuations
• Diagnostics
• Post-hospital physiotherapy

Plan Details Get a Quote

Consider This When Picking Health Insurance in Jersey

Expats in Jersey should consider their residency status and eligibility for public health insurance when picking their medical coverage. Not all newcomers will automatically qualify. Expats should also consider if they’ll need maternity, dental, and/or vision, since they’re not always covered.

Consider these other topics as well:

1. Jersey’s Healthcare System: Jersey is not part of the UK NHS. Residents pay for many services unless they qualify for Jersey's Health Insurance Scheme. Expats may need private insurance, especially during their first years on the island.
2. Residency Status and Eligibility: Your residency status affects your access to subsidized care. Newcomers may not be immediately eligible for public health support, so check what services you're entitled to and when.
3. Coverage for GP and Hospital Visits: While emergency care is free, routine general practitioner (GP) visits and outpatient care often require payment. Make sure your plan covers these basics or budget accordingly.
4. Maternity and Family Coverage: If you're planning a family, ensure your insurance includes prenatal care, delivery, and postnatal support—these services can be costly without proper coverage.
5. Pre-existing Conditions: Some insurers exclude pre-existing conditions or add extra charges. Be transparent during the application process and clarify what ongoing treatments are covered.
6. Referral and Specialist Access: Some specialists require GP referrals. Your plan should cover both the referral process and specialist visits to ensure you’re not paying out of pocket for necessary care.
7. Dental and Vision Add-ons: These services are typically not covered by default. If dental or vision care is important to you, look for plans that offer them as add-ons or include partial reimbursement.
8. Emergency and Evacuation Coverage: Although Jersey has modern facilities, some cases may require transfer to the UK. Confirm your plan covers medical evacuation and cross-border treatment if needed.
9. Cost of Premiums vs. Coverage: Balance monthly costs with what’s actually covered. Cheaper plans may have high deductibles or limited networks, so compare carefully before committing.

Health & Safety Tips for Travelers in Jersey

Travelers in Jersey should wear sunscreen and good walking shoes, drive safely, and stay aware of sudden changes in weather patterns. These and other health and safety tips can help travelers and expats stay safe.

1. Stay Weather-Aware: Jersey’s weather can change quickly—pack layers and check forecasts before heading out, especially if hiking or visiting coastal areas. Sudden fog or rain can affect visibility and safety.
2. Use Sun Protection: Despite the cooler climate, UV rays can be strong, particularly near the coast. Wear sunscreen, sunglasses, and a hat during outdoor activities to avoid sunburn.
3. Be Cautious on Coastal Walks: The island has dramatic cliffs and scenic beaches, but tides rise fast. Stick to marked trails, check tide schedules, and avoid getting trapped by incoming water during coastal walks.
4. Drive Safely on Narrow Roads: Jersey’s roads can be narrow and winding with many stone walls and tight turns. Drive cautiously, obey speed limits, and watch for cyclists and pedestrians.
5. Tap Water Is Safe to Drink: The local tap water is safe and clean, so there’s no need to buy bottled water unless you prefer it. Staying hydrated is important, especially when walking or exploring.
6. Use Emergency Services if Needed: Dial 999 or 112 for police, fire, or ambulance services. Jersey has a well-equipped hospital and urgent care, but for severe cases, medical evacuation to the UK may be necessary.
7. Mind Local Wildlife and Plants: While most wildlife in Jersey is not dangerous, avoid touching unknown plants or animals, especially along cliffs or coastal areas. Some can cause skin irritation or allergic reactions.
8. Watch for Slippery Surfaces: Rain and sea spray can make cobblestone streets, coastal paths, and rocks slippery. Wear sturdy shoes with good grip to prevent falls.
9. Stay Informed About Public Health: Check local guidelines for vaccinations, COVID-19 requirements, or seasonal illnesses before traveling. Health information is regularly updated by Jersey’s government.
10. Have Travel or Health Insurance: Healthcare isn’t free for visitors. Carry travel insurance that covers illness, accidents, and evacuation to avoid unexpected costs during your stay.

Frequently Asked Questions:

Do I need private health insurance in Jersey as an expat?

Expats in Jersey need private health insurance, especially during their first year. Jersey's public healthcare system isn’t free for newcomers, and they’ll likely need to pay for GP visits and treatments unless they’re covered by private insurance or qualify for local schemes.

Does Jersey have an NHS system like the UK?

Jersey is not part of the UK National Health Service (NHS). While emergency care is free, most healthcare services—including GP visits—are paid out of pocket or covered by private insurance, unless you're eligible for Jersey’s Health Insurance Scheme.

Will my UK or EU health insurance work in Jersey?

UK citizens may have limited access to public healthcare, but UK NHS coverage doesn’t fully apply. EU health cards (EHIC) aren’t valid. Expats should confirm with their insurer or consider a local or international health plan for full coverage.

Conclusion: Compare Plans and Quotes Now

Since it can feel overwhelming to know which provider and plan to go with, 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 are more than capable of finding 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!