Expat and Long-Term Health
People who have moved abroad for years rather than weeks buy a different product from a vacation policy, and this page covers the international health plans written for them. The listings are chiefly plan brands, with several insurers that carry their own risk and one broker. The plans are annual and built to renew, offering inpatient cover with outpatient, maternity, dental and wellness modules added on request. Their brochures differ on the area of cover, and especially on whether the United States sits inside it at a higher premium or outside it. They also vary in how medical history is assessed at application, how renewal terms are worded, and which currencies claims settle in. Where a listing's page says which company underwrites the plan, the write-up names it.
- 1
Cigna's international health insurance site, selling Silver, Gold and Platinum plans plus Close Care to expats, families, retirees and students, underwritten in Guernsey.
- 2
An Allianz Partners insurer selling tiered Care international health plans and the short-term Flexicare plan to expats, families and nomads, priced through a quote.
- 3
The international health insurance division of Bupa, selling four expat plans from Major Medical to Elite with annual limits of GBP 1,000,000 to 3,000,000.
- 4
A regulated AXA insurer selling expat and nomad health plans in five cover levels, with cashless hospital access, virtual care and a stated pre-existing-condition exclusion.
- 5
The former GeoBlue, a plan brand and administrator selling single-trip, multi-trip, long-term, student and missionary medical plans underwritten by 4 Ever Life companies.
- 6
IMG designs and administers Patriot travel medical, Global Medical and iTravelInsured plans, with the insurance underwritten by Sirius, SiriusPoint America or United States Fire depending on the plan.
- 7
A UK plan brand and FCA-regulated intermediary selling four tiers of international health insurance for expats, underwritten by AWP Health & Life SA of the Allianz Group.
- 8
Now Health International is a plan brand whose WorldCare and SimpleCare expat plans are underwritten region by region, including Best Doctors Insurance Limited in Bermuda for most members.
- 9
MSH International is a French insurance brokerage, registered with ORIAS, that designs and sells its own First'Expat+ expat health plan and LifePlan'Expat life cover.
- 10
A managing general agent selling Nomad Insurance to individuals and Remote Health to companies, each product naming a different Puerto Rico insurer as underwriter on its own page.
- 11
A German insurance agent selling Genki Traveler travel health cover and Genki Native international health insurance to nomads and expats, with Squarelife as the insurer.
- 12
A managing agency selling its Diplomat travel medical plans for U.S. residents abroad, visitors to the U.S. and long-term travelers, with Diplomat International underwritten by AXIS Insurance Company.
- 13
A plan brand in Carmel, Indiana, selling visitor, travel medical, trip protection, evacuation and expat plans, with insurance on its visitor and evacuation plans underwritten by Crum & Forster SPC.
- 14
An FCA-authorised UK plan brand trading as Expatriate Group, selling four-tier international health plans, expat travel cover and corporate schemes backed by named capacity providers.
- 15
A UK and German managing general agent selling Integra Global, Health Protect, MarineSure and PilotCare international health plans, underwritten by the French insurer MGEN.
- 16
An FCA-authorised UK provider of international private medical insurance, selling modular worldwide, regional and group plans by quote, with emergency evacuation on every plan.
- 17
A UK and Danish managing general agent, founded in 1999, selling its own Evolution Health and regional international health plans on behalf of insurers it does not name.
- 18
Optimum Global is a UK-regulated plan brand selling five tiers of international private medical insurance, from a $1,000,000 to an $8,000,000 annual limit, reinsured by AXA PPP healthcare.
- 19
A Bermuda-based international health insurance brand selling the EXPAT plan, US student-visa plans and ACA-compliant cover, distributed by WellAway Limited and reinsured by Arch Re.
- 20
A German plan brand selling several named international health plans, expat, US and China products among them, brokered under one roof rather than underwritten by itself.
- 21
A German digital insurance brand, registered as a German broker, selling visa-ready expat health cover in Portugal and Switzerland with published monthly prices.
- 22
A Paris insurance broker selling its own-brand expatriate, senior and working-holiday health plans, with Euro-Center handling claims and four ACS Expat cover levels.
- 23
A Belgian authorised underwriter selling Expat, Europat, student, au-pair and travel plans, with the risk carried by Inter Partner Assistance of the AXA Partners Group.
- 24
A UK-listed distributor selling four annual international medical plans underwritten by Regency Assurance to digital nomads, expats and remote workers, with every country covered except the USA.
- 25
A Liechtenstein insurer in the HanseMerkur group selling Foreign Guests, a Germany expat health plan with two tariffs, published daily premiums and a €25 deductible.
Frequently asked questions
What is the difference between an expat health plan and a standard vacation policy?
Expat plans are designed for long-term residency and often provide higher coverage limits or modular options for families and retirees. While vacation policies cover short trips, these international plans are built for people living abroad for years.
Can I find plans that offer cashless hospital access or virtual medical services?
Yes, some providers include virtual care and cashless hospital access in their coverage levels. You should check the specific plan details to see which insurer offers these features for your region.
Are there options available if I am moving specifically to Germany, Portugal, or Switzerland?
Several providers offer specialized coverage for these locations. You can find visa-ready options in Portugal and Switzerland or specific German expat plans with published daily or monthly premiums.
How do the annual coverage limits work for international health insurance?
Limits vary significantly depending on the provider and the tier you select. Some premium plans offer annual limits ranging from GBP 1,000,000 up to GBP 3,000,000.
Will these insurance plans cover my pre-existing medical conditions?
Most plans listed include a stated exclusion for pre-existing conditions. It is important to review the specific terms of the insurer to understand exactly what is excluded from your coverage.