When planning for an international trip or relocation, obtaining health insurance coverage is vital to ensure peace of mind and financial protection in case of an unexpected medical emergency. To find the best option for your needs, it is important to consider the different types of coverage available and compare health insurance quotes online from different providers.
When relocating overseas, it is crucial to have access to a dependable international health insurance plan. To find the most suitable global medical coverage for your needs, it is important to consider your budget and compare cheap medical insurance quotes from various providers.
This guide will give you an understanding of the quotes from some of the major international health insurance companies. By reviewing your options and comparing healthcare quotes, you can make an informed decision and find a plan that provides the right healthcare coverage at an affordable price.
International Healthcare Insurance Companies
The following is a list of top-performing international medical insurance companies that provide comprehensive global health plans for expatriates, immigrants, and international citizens. These global insurers offer annual plans for individuals from various countries who are residing abroad for an extended period.
The following best health insurance companies are reviewed based on the following criteria:
- The breadth of benefits available
- Ease of filing a claim
- Network size
- Added features such as telemedicine
- The option to customize your premium through copays and deductibles.
- Financial stability rating from A.M. Best, which evaluates each insurer’s financial strength.
Cigna
Cigna Global Insurance is a pioneering provider of health insurance coverage for expatriates and international citizens, established in 1982. It continues to be a leading international insurance company worldwide. It is a suitable option for many people living abroad as it offers comprehensive coverage in nearly any country.
The Cigna Global plan offers flexible levels of international health insurance with the option to add specific benefits, which is why it is considered the best overall international medical insurance, premium.
It allows customers to customize the cost of their premium through multiple deductible and cost-sharing options. Cigna’s access to international doctors and hospitals is exceptional, making it a popular choice among travelers and ex-pats. It has received an A rating from A.M. Best.
Cigna Plan Highlights
- Three core plans: Silver, Gold, and Platinum
- Flexible plans that can be customized to meet the specific needs of each client
- Cigna customer service is available 24/7/365
- Access to Cigna Global’s network of trusted hospitals, clinics, and doctors
GeoBlue
GeoBlue’s Xplorer plan is a premium option that is ideal for U.S. citizens living abroad and for foreign nationals living in the United States. As an independent licensee of the Blue Cross Blue Shield Association, GeoBlue offers both short-term travel medical insurance and long-term health care plans worldwide.
The GeoBlue Xplorer plan stands out for its extensive network, ease of filing a claim, and exceptional telehealth services, making it the best health plan for US citizens abroad, premium.
The company has an A- rating from A.M. Best. Additionally, when comparing benefits and premium options, the policies offered by GeoBlue have competitive prices and outmatch the competition with similarly high levels of coverage.
GeoBlue Xplorer Plan Highlights
- The most comprehensive benefits in the industry.
- Unlimited medical maximum.
- Members are not required to pay a deductible for standard services such as office visits, preventative care, and outpatient prescriptions.
William Russel
William Russell is one of the leading private insurance companies in the healthcare industry for 30 years, providing coverage in 160 countries. They offer insurance options for individuals, families, and individuals planning a family.
They offer four plan options: Gold, Silver, Silverlight, and Bronze provide members with comprehensive medical coverage, superior benefits, and exceptional service, making them the best policies for ex-pats in Asia. Customers can customize their rates by choosing a deductible and selecting an area of coverage.
William Russell has an A+ rating from A.M. Best. (Please note that plans do not include coverage in the USA, but limited U.S. coverage for trips up to 90 days can be added.)
William Russell Highlights
- Each plan level gives full cover for inpatients and most tiers have no limit on outpatient treatment.
- Comprehensive cancer coverage, including coverage for cancer genome treatment with a benefit limit of $6,000.
- All plans offer Medevac Basic, with the option to add on Medevac Plus coverage.
IMG
International Medical Group (IMG) offers the most comprehensive range of products among international health insurance companies. They provide everything from trip cancellation insurance to their long-term international medical plan, IMG Global Medical.
For over 20 years, IMG has been providing affordable medical coverage, travel insurance, and healthcare options to clients worldwide. They currently insure people in more than 170 countries around the globe.
IMG has outstanding preventative care coverage and pricing options that allow customers to customize their premium costs. They also offer additional coverage options such as global term life insurance, terrorism, sports, and more.
IMG has an A- rating from A.M. Best. This makes it an excellent option for people looking for the best global medical insurance on a budget.
IMG Plan Highlights
- Four plan options and additional optional modules
- Choice of coverage areas to reflect your geographical area of need
- Freedom to choose your health care provider wherever you are in the world
Additional International Health Insurance Companies
Now Health International
Now Health International offers high-quality medical coverage worldwide that is easily accessible to foreigners living abroad. The company’s best health insurance plan for international clients is the Now Health WorldCare Plan, which provides comprehensive benefits, including coverage for ex-pats in the USA.
They also offer a more budget-friendly option, the SimpleCare plan, which is perfect for expatriates looking for extensive medical coverage at an affordable price. Now Health International has an A+ rating from A.M. Best, making it a great choice for those looking for cheap medical insurance options.
Integra Global Health Insurance
Integra Global, a UK-based company, has service offices strategically located worldwide, including several countries in Europe, North America, and Asia.
They specialize in providing group health insurance options for individuals, corporations, and organizations with unique protection needs, such as expatriates, marine professionals, frequent travelers, and people with specialized risks.
The company’s goal is to create unique international group health plans that provide exceptional protection, superior value, and unparalleled personal service. Integra Global has received an A rating from A.M. Best, making it a reliable choice for group health insurance.
Allianz International Medical Insurance
Allianz is one of the largest insurance providers in the world, it is a German company under the management of Allianz Worldwide Partners and is a part of the Allianz Group.
It is well known for its global network and for providing group health insurance for small businesses for their employees. The company has an A+ rating from A.M. Best, making it a reputable choice for international group health insurance for businesses.
AXA Global Healthcare
AXA provides its customers with exceptional international coverage, granting access to private healthcare whenever it is needed. The company’s plans are well-suited for expatriates living and working in one or multiple countries.
Additionally, AXA offers short-term international insurance coverage for those who are not planning on staying abroad for an extended period. The company has received an A+ rating from A.M. Best, making it a reliable choice for international health insurance.
AIA Group
AIA has a strong presence in Asia, Australia, and New Zealand. The company is known for offering a wide range of insurance options, including international health insurance, retirement insurance, life insurance, and accident protection, making them a one-stop solution for many ex-pats.
They offer a choice of health insurance plans and coverage options to suit the needs of their customers. A.M. Best rates AIA Group divisions separately depending on the nation they are operating in, making them a reputable choice for international health insurance.
Bupa Global
Bupa Global, a leader in the private health insurance industry with over 65 years of experience, offers comprehensive global health policies through its dedicated team of multilingual advisers and health experts.
With a B++ rating from A.M. Best, Bupa Global’s coverage extends to the U.K. and select European countries, providing peace of mind for those in need of reliable Bupa medical insurance. Whether you’re looking for a Bupa quote or seeking the best in Bupa healthcare, Bupa Global is committed to exceeding expectations.
How to Compare International Health Insurance Coverage Companies?
When it comes to purchasing international health insurance, it’s important to do your research and choose the right policy for your needs.
When evaluating international insurance providers, it’s important to consider several key factors: the company’s rating, the cost of the policy, eligibility requirements, the coverage area, the medical benefits offered, and the healthcare network.
While all international insurance providers offer standard benefits, some may offer additional perks at a competitive price.
Insurer Rating
The A.M. Best ratings of the providers give you an indication of the financial stability of each insurer. A.M. Best is a leading provider of credit ratings and financial data for the insurance industry. They evaluate the financial strength and creditworthiness of insurance companies and assign ratings on a scale from A++ (superior) to D (poor).
A higher rating from A.M. Best indicates that the insurer is more financially stable and better able to meet its policyholder’s obligations. When evaluating international insurance providers, it’s important to consider their A.M. Best rating as it will give you an idea of the insurer’s ability to pay claims and meet its financial obligations.
Plan Cost
Some international insurance companies charge more for their plans than others because they have more to offer. It’s important to understand that a higher cost doesn’t always mean better coverage, but it can indicate more comprehensive benefits, such as a larger network of providers, more covered medical treatments, higher coverage limits, and more.
When evaluating plan cost, it’s important to consider the overall value of the plan and not just the price. It’s also essential to compare different plans and providers to see which one offers the best coverage at an affordable cost.
Additionally, it’s important to be aware of any hidden costs, such as co-pays, deductibles, and out-of-pocket expenses, that could significantly increase your overall cost.
Eligibility
Some international insurance companies have age limits, coverage area restrictions, and pre-existing conditions limitations, which may affect whether you qualify for coverage or not. It’s important to carefully review the eligibility requirements of each provider you’re considering to ensure that you meet the criteria before applying.
Additionally, some companies may have exclusions or limitations on coverage for pre-existing conditions, a medical condition that existed before the policy was purchased.
It’s crucial to be aware of these limitations and to understand how they may affect your coverage. Make sure to ask questions and to find out if there are any age or pre-existing condition restrictions before applying for a plan so that you can make an informed decision.
Coverage Area
Most international insurance companies offer worldwide coverage, including in the United States. However, some companies may exclude coverage in certain countries or regions. It’s important to understand the coverage area of the plan you’re considering and to ensure that it meets your needs.
Some companies may have a broader coverage area than others, which can be beneficial if you travel frequently or plan to reside in multiple countries. So, it’s essential to be aware of the coverage area of the plan and to ensure that it aligns with your travel plans and the location of your residence.
Medical Benefits
Most international insurance companies provide great standards and optional medical benefits for their customers. However, it’s important to understand what is covered and what is not covered under the plan. Standard benefits typically include coverage for inpatient and outpatient care, emergency medical services, prescription drugs, and more.
Some companies may also offer additional benefits such as dental care, vision care, and mental health services. It’s important to review the medical benefits offered by the provider and to understand how they align with your personal health needs. It’s essential to be aware of these options and to understand the additional costs associated with them.
Healthcare Network
Each international insurance company has a different medical network full of fantastic doctors and exceptional hospitals. You have to understand the healthcare network of the plan you’re considering and ensure that it meets your needs.
Some companies may have a larger network of providers, which can be beneficial if you want more options for medical treatment. Additionally, some companies may have specific networks of providers that are only accessible in certain regions.
So, it’s essential to be aware of the healthcare network of the plan and to ensure that it aligns with your travel plans and the location of your residence. It’s also important to check if the plan covers out-of-network providers, and if so, what the cost-sharing or reimbursement rate is.
Get Your Best International Health Insurance Coverage
Our mission is to educate you about the value of global medical, life, and travel insurance. By providing reliable and well-researched resources, you can easily select, compare, and study the plans offered by trusted insurance providers. With this information, you can be assured that you’re safe and secure when you travel or relocate overseas.
You can find the very best global health insurance, international life insurance, travel medical insurance, international group plans, and trip cancellation insurance policies here. As always, please review the policy’s terms carefully and discuss them with us so we can guide you through the application process.
