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What is Individual Health Insurance?
An individual health insurance plan is a policy that provides coverage for one person, protecting them from medical expenses and hospitalization costs. You can buy this type of policy for yourself, your spouse, children, or even elderly parents.
Table of Contents
- What is Individual Health Insurance?
- Individual Health Insurance for Expats
- Our Recommended Individual Health Insurance Plans
- How Much Does Individual Health Insurance Cost?
- What Do The Best Individual Health Insurance Plans Cover?
- Comparing Individual Health Insurance Providers
- Benefits of Individual Health Insurance Plan
- How Do I Find The Best Individual Health Insurance Plan?
- Frequently Asked Questions
- Contact us
Individual Health Insurance for Expats
If you’re looking for the best individual health insurance options as an expat in a foreign country, then this page is for you. Unexpected medical costs abroad can make a huge impact on your stay away from home. Having individual health insurance is a sure way to receive proper medical care while staying abroad.
Easily compare the best individual health insurance plans for expats online, or get a free professional plan comparison by talking to one of Pacific Prime’s insurance advisors.
Our Recommended Individual Health Insurance Plans
The best individual health insurance plans offer customizable coverage, allowing you to tailor benefits to suit your and your family’s unique health needs. This flexibility ensures comprehensive protection and peace of mind.
- Extensive Network of Providers
- Direct Billing Options
- 24/7 Medical Help via Global Virtual Care
- Lifetime Renewal Options
- Maximum Annual limit up to USD $4,764,300
- 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
How Much Does Individual Health Insurance Cost?
The cost of individual health insurance varies depending upon your age, country of coverage, and many other factors.
As a leading international insurance broker, Pacific Prime compiles pricing data for the average individual premiums in 100 countries to give our clients a sense of what they can expect to pay for their plan.
Below are estimated insurance averages, and your individual health insurance plan’s cost will depend on many other factors, including benefits covered, geographical scope, and overall sum insured. You can get a free online quote on our website, or download the Cost of International Health Insurance Report today to learn more.
| Rank | Country | Average Cost (USD) |
| 1 | United States | $9,817 |
| 2 | Hong Kong | $7,810 |
| 3 | Singapore | $7,028 |
| 4 | Dubai | $5,687 |
| 5 | Taiwan | $5,532 |
| 6 | Israel | $5,521 |
| 7 | Switzerland | $5,541 |
| 8 | Mexico | $5,386 |
| 9 | UK | $5,314 |
| 10 | Brazil | $5,289 |
*These figures are taken from Pacific Prime’s Cost of Health Insurance Guide.
Note: Other factors like age, health status, coverage limits, added benefits, the geographical scope of coverage, and deductible amount* determine.
What Do The Best Individual Health Insurance Plans Cover?
Individual health insurance plans are highly customizable, and you can tailor your health insurance coverage to include whatever you need. With our plans, you can select from various coverage options including:
Hospitalization Care
Hospitalization insurance, also called major medical health insurance, is the cornerstone of every health insurance plan, as it covers some of the most expensive treatments, such as knee replacement surgery.
Outpatient Care
Outpatient care is the most common additional coverage to an inpatient (hospitalization) plan. It includes visits to general practitioners and visits to specialists with a GP’s referral note.
Coverage of Chronic Conditions
Chronic conditions, or pre-existing conditions, are almost always excluded from coverage in medical plans. However, there are ways to get them covered. Read about pre-existing conditions coverage here.
Maternity Care
Maternity health insurance is incredibly important to ensure you and your child are fully protected before, during, and after delivery. As an additional rider to individual health plans, it can also be tailored to your specific needs.
Dental Care
Dental care benefits are available in plans offered by Pacific Prime. Those benefits increase the overall premium and come with certain conditions, such as a waiting period.
Vision Care
Vision care benefits are available in plans offered by Pacific Prime, and this coverage increases the overall premium.
Wellness
Wellness benefits cover the cost of medical check-ups, which are so important when it comes to maintaining good health and reducing the risks of developing serious diseases.
Besides having different coverage options to choose from, you can also choose the sum insured and other items in your plan, such as a preferred network of clinics and hospitals you’d like to have access to or geographical coverage: either local or international in nature.
Start by Comparing Insurance Plans Online
Compare Between 50,000 International Health Insurance Plan Options.
Comparing Individual Health Insurance Providers
You can compare individual health insurance providers to find the best plan for you. Pacific Prime is partnered with the top international medical insurance providers, and our experts are ready to help you compare their plans and benefits to find a policy that works best for you.
Here are some of our top insurers for individual health insurance providers:
Bupa Global
Bupa Global offers customizable plans and guaranteed lifetime renewal on their policies. Key benefits of their plans are:
- Extensive Network of Providers
- Direct Billing Options
- 24/7 Medical Help via Global Virtual Care
- Lifetime Renewal Options
- Maximum Annual limit up to USD $4,764,300
Cigna
Cigna has Silver, Gold, and Platinum plans with different levels of coverage and limits. These three plans share key benefits:
- 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
Allianz
Allianz offers a variety of plans with different levels of coverage and prices. The key benefits shared across their plans include:
- 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
AXA
AXA Global offers five categories of coverage with their Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans. Some examples of shared coverage by all AXA insurance plans include:
- Experienced Personal Support 24/7
- Easy Online Access
- Virtual Doctor Service
- Mind Health Support
- Maximum Annual Benefit Limit up to USD $8,000,000
NOW Health International
NOW Health International provides SimpleCare and WorldCare plans with different levels of coverage and premiums. The shared benefits across the plans are:
- Quick and Hassle-free Claims Filing
- Customer Service Support in Multiple Language
- Maximum Benefit Limit up to USD $4,500,000
GeoBlue
Geoblue offers an Xplorer health insurance plan that comes in Essential or Premier. These plans were created for expats traveling from the United States for business, leisure, or study trips. Expats can choose plans that include the United States in their coverage or not.
- Diagnostic lab work and X-rays
- Surgery
- Inpatient medical emergencies
- Emergency evacuation and repatriation
- Yearly physicals
IMG
IMG Global provides its international health insurance plan through a Global Medical Plan, available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. These plans share some of the benefits that include:
- Worldwide and Customizable Coverage
- Around the Clock Member Support
- Up to USD $8,000,000 Lifetime Limits per Individual
Benefits of Individual Health Insurance Plan
Besides medical coverage that individual health plans offer, policies secured through Pacific Prime have a set of additional benefits that can be extremely useful in everyday life. The most prominent benefits are:
Direct Billing
Many plans offered through Pacific Prime include direct billing. This means that your insurer will pay your medical costs directly to the hospital at no initial cost to you. You won’t need to worry about paying upfront for any treatments or having to claim back the money with your insurer later on. If you are interested in letting your insurer handle all the bills directly, talk to us about direct billing networks.
Renewable Policies
You can get individual international insurance plans that are lifetime renewable, meaning that medical costs continue to be covered by the insurer for your whole life.
Cover for Specific Activities
Cover for specific activities such as various sports, skydiving, and even bungee jumping will be available under an individual international health insurance plan.
Plans from The Top Global Insurance Companies
Pacific Prime has developed long-standing relationships with several major health insurers, allowing for reduced rates when compared to dealing with the insurer directly.
How Do I Find The Best Individual Health Insurance Plan?
The ideal way to find the best individual health insurance is to compare options with an insurance broker such as Pacific Prime. As a leading partner, we help clients compare plans from the top health insurance companies, such as Aetna, Bupa, Allianz, and more.
Our strong relationships with these companies allow us the flexibility of designing plans for our clients, and often negotiating special terms and premiums.
Start by Comparing Insurance Plans Online
Compare Between 50,000 International Health Insurance Plan Options.
Frequently Asked Questions
What does individual health insurance typically cover?
Individual health insurance typically covers hospital stays, outpatient care, prescription medications, and may also include additional benefits like maternity or dental care, depending on the specific plan.
What are the best individual health insurance plans?
With top international medical insurance providers such as Bupa, Cigna, Allianz, and AXA, just to name a few, you can browse plan details, get a free quote, and compare insurance plans online on our website with a click of a button.
What are the benefits of having individual health insurance?
Having individual health insurance provides financial protection against medical expenses and ensures you have access to quality healthcare services when needed.
Can I get individual health insurance if I have pre-existing conditions?
Chronic or pre-existing conditions are typically excluded from medical plans. However, there are options available to get coverage. Learn more about pre-existing conditions coverage here.
Are individual health insurance plans available with direct billing?
Many insurers offer plans that include direct billing arrangements with certain hospitals or clinics, allowing you to receive care without paying upfront.
Contact us
Contact us to reach out to our experienced advisors, or chat with them live by selecting the chat button! Alternatively, you can start exploring insurance plans with our Quote Comparison Tool.
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