Expat Health Insurance
Need the best expat health insurance? Let Expat Medicare experts guide you for an informed decision!
- Receive FREE quotes from our experienced insurance brokers!
- Choose the medical coverage you truly need!
- Save valuable time and enjoy your peace of mind!
What Is International Health Insurance for Expats?
International health insurance for expats covers medical expenses and provides the security expatriates need while living abroad. It typically covers healthcare in your country of residence and in other countries.
This global coverage matters because your host country may not always offer the international standard of medical care required to treat your condition. Having the freedom to choose where you receive treatment is especially important for long-term care. Many expatriates prefer to return to their home country for treatment, in a familiar environment and language.
That flexibility is one of the main advantages of expat health insurance.
How to Choose Expat Health Insurance
There is no single international standard for expat health insurance, and many policies can look similar in brochures. However, if you do not review the policy wording—especially the terms and conditions and the detailed benefits—you will not be able to compare plans properly or understand their limitations.
Without reading the full documentation, it can be difficult to explain price differences when the brochures appear nearly identical. Many factors that may not be clearly highlighted in the summary will affect your premium and, more importantly, your coverage when you need it most. For example:
- Will the plan provide long-term protection?
- Does it cover chronic conditions?
- What about elective treatment in high-cost medical facilities?
- Is medical evacuation included, and can you be transferred to the nearest country with higher medical standards?
It is also important to work with professionals who understand your situation and know the true cost of medical treatment in your country of residence, so you can receive the most appropriate advice.
How to Get Insured as an Expat
Having a choice between several plans is a real advantage. But do you have the time—and the expertise—to review them all and select the one that truly fits your situation? That is why it is important to work with an insurance intermediary who understands your needs and can recommend the right solution.
Since 2008, Expatmedicare has been advising expatriates worldwide on their insurance needs. Speak with one of our advisers to find the most suitable plan for you and your family.
Who are we?
We are an International Health Insurance Comparator for Expats Worldwide.
We have been providing health and medical insurance advice since 2008.
Looking after the interests of our clients is our primary focus.
What to expect from the Expat Medicare brokers?
Call with one of our experienced agents to discuss your specific needs.
A comparison list of the best expat health insurance companies in your future country.
Extensive local knowledge and global expertise.
What can be included in an Expat Health Insurance?
Long-term protection and prevention
This is the basic framework of your insurance.
When to start the insurance, and for how long (minimum 12 months).
Who is covered: only you / you and your partner / your entire family.
Chronic conditions
If you or a family member has a chronic condition, it's essential to ensure that your insurance plan covers it.
Elective treatments
Are you planning to have non-urgent medical treatments, such as cosmetic surgery, orthopedic procedures, cataract surgery, or getting braces?
Check in advance.
Medical evacuations
Depending on the country of expatriation, you may need or skip this option.
Pregnancy and childbirth
Don't hesitate to ask us for the specifics!
The policy may be active for a year, extendable beyond that, or even available with no expiration date
Get Your Expat Health Insurance
Quentin Silva
Health Insurance Expert
When and why to choose packages and extras
There is a wide range of options available, differing significantly in both coverage and cost.
Decide whether you require only standard coverage, additional options like maternity or dental, or specific coverage for chronic illnesses.
Look into whether there are any discounts available for renewals, family plans, or children’s insurance.
Get in touch with our team
Our Network of Expat Health Insurance Partners
- Overview: Foyer Global Health is the international health insurance arm of Luxembourg’s largest insurance group, Foyer S.A.
- Services & Insurance Types: Specializes exclusively in international health insurance for expatriates, digital nomads, and globally mobile individuals. Offers comprehensive inpatient and outpatient coverage, preventive care, maternity, dental, vision, and medical evacuation.
- Global Reach:Focused on high-quality medical access for expats living worldwide.
- Headquarters: Luxembourg.
- Overview: Allianz is one of the world’s largest financial services and insurance groups, with a global presence in over 70 countries.
- Services & Insurance Types: Provides a wide range of insurance products—health, life, travel, property, and corporate insurance. Through Allianz Care, it offers tailored international health insurance plans for expats, including digital health tools, 24/7 support, and direct billing networks.
- Global Reach: Extensive coverage and strong provider networks worldwide.
- Headquarters: Munich, Germany.
- Overview: AXA is a global leader in insurance and asset management, with operations in over 50 countries.
- Services & Insurance Types: Offers health, life, property & casualty, and employee benefits. Its dedicated unit, AXA Global Healthcare, delivers international medical insurance with flexible plans for individuals, families, and businesses, including wellness support and telemedicine services.
- Global Reach: Strong reputation for reliability and financial strength across global markets.
- Headquarters: Paris, France.
- Overview: APRIL International is part of the APRIL Group, focused on making health insurance simple and accessible for expatriates.
- Services & Insurance Types: Specializes in international health and travel insurance. Plans cover hospitalization, outpatient care, maternity, dental, vision, and repatriation. Known for user-friendly digital tools, multilingual support, and tailored coverage for long-term expats and students.
- Global Reach: Strong footprint in Europe and Asia (notably Singapore and Hong Kong).
- Headquarters: Paris, France.
- Overview: Henner is a global healthcare solutions provider with over 70 years of expertise.
- Services & Insurance Types: Designs and manages international health insurance solutions for individuals and companies. Offers medical, life & disability, and supplementary employee benefits. Strong emphasis on corporate clients, expatriate staff, and group health programs.
- Global Reach: Network of over 1.6 million healthcare providers across 200 countries.
- Headquarters: Paris, France.
- Overview: MSH International is a major global health insurance broker and administrator, focused on expatriates and international mobility.
- Service & Insurance Types: Provides international health insurance, life & disability coverage, and assistance services for individuals, families, multinationals, and NGOs. Known for strong claims management and wide medical networks.
- Global Reach: Offices in Paris, Toronto, Calgary, Dubai, and Shanghai, covering over 200 countries.
- Headquarters: Paris, France (part of the Siaci Saint Honoré Group)
- Overview: Now Health International is a specialist in international private medical insurance, offering fast, simple, and accessible health coverage for expats and globally mobile professionals.
- Services & Insurance Types: Comprehensive international health plans with inpatient, outpatient, maternity, dental, and evacuation. Known for digital-first solutions—mobile app, easy claims, and multilingual support.
- Overview: ACS is ideal for customizable, global private insurance—excellent for individual travelers, expatriates, students, diplomats, and families seeking broad coverage packages.
- Services & Insurance Types: Travel Insurance (Globe Traveller, Globe Partner, Europax, France Long Stay Cover, and Working Holiday insurance). Expatriation Insurance. Foreign Resident & Student Insurance. Business Insurance.
- Global Reach: Services over 200,000 clients globally with a team of about 50 multi-national professionals.
- Headquarters: Based in Paris, France, with management centers in Paris and Hong Kong.
- Overview: CFE provides France-aligned social security coverage—valuable for French expats (and eligible Europeans) wanting continuity with the French system, particularly for essential health, work-risk, and pension accrual—but often needs to be supplemented with private insurance for broader benefits.
- Services & Insurance Types: Health (Illness, Maternity, Disability, based on French Social Security rates; optional worldwide or France-only plans). Work-related Risks. Retirement (Old-Age) Insurance.
- Global Reach: CFE offers several plan options tailored to age/status and geographic scope: JeunExpat (for those under 30), MondExpat (global coverage for those over 30), RetraitExpat (for retirees), FrancExpat (coverage limited to France, for those treated in France).
- Headquarters: Rubelles, France.
Check our extensive portfolio of insurance services
International Health Insurance
International Group Health Insurance
Expat Travel Insurance
Expat Life Insurance
Frequently Asked Questions
The time to complete the application process can range from one to three months, influenced by the types of claims included in the insurance. The sooner you apply the better!
The policy may be active for a year, extendable beyond that, or even available with no expiration date.
Local customs and rules vary from country to country. However, keep in mind these basic rules:
- An expat health insurance might not be mandatory in a specific country, but advisable. Without an insurance, you won’t be able to access hospitals, clinics, or emergency services. Unless you pay upfront.
- While most private hospitals and clinics may require payment upfront (followed by reimbursement from the insurance provider), some international hospitals may offer direct billing services.
- Some countries require visitors to have certain vaccinations before they arrive in their country.
Let's talk about insurance
Quentin Silva
Health Insurance Expert
Further reading from our local and global experts
