Identifying which international health insurance provider will give the right options for you and any family is essential when moving abroad.  There are some excellent options from which to choose and many are very affordable, especially when compared to options in the US. But which international health insurance companies are the best fit for you?

This article was written exclusively for Expat Network by International Citizens Insurance 

 

Which Medical Insurance Companies Are the Best

There are many resources online to help you make your decision before purchasing the best international insurance for you.

Find out more about International Health Insurance for comprehensive annual cover or options to cover you for one year or less: Best Travel Insurance Companies

What are the Top Ten International Health Insurance Companies

Here International Insurance have set out a comprehensive list of top international insurance companies that can offer the best international medical insurance based on service, benefits, coverage, and rates. As always, it is important to review the policy’s terms carefully and discuss it with an international broker who can help guide you through the process.

3 Best International Health Insurance Providers in 2021

Cigna Global Insurance

Cigna Global Insurance was one of the first companies to offer expats global health insurance cover, and they remain a leading international provider. Free Cigna Quote / Apply. Cigna Global is an excellent option for most internationals living abroad with comprehensive coverage in almost any country.

Cigna Global Insurance Plan

The flexibility to tailor a plan to suit your individual needs

Access to Cigna Global’s trusted network of hospitals and doctors

The convenience and confidence of 24/7/365 customer service

Plan Details | View Brochure

The Cigna Global plan offers a flexible design allowing you to pick and choose the benefits you need, and to exclude those you don’t need. You can manage costs further with multiple options on deductibles and cost sharing. Their access to international doctors and hospitals is excellent.

GeoBlue Global Medical

GeoBlue Global Medical – Their plans are designed for US citizens abroad or Internationals residing in the USA.  GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical and long-term worldwide plans.  GeoBlue Quote / Apply Links

Xplorer Worldwide Medical Plan

Premium Benefits, Coverage and Service

Define your deductible and prescription benefits

For Foreigners in the US or US Citizens Abroad

Plan Details | View Brochure

Get a Quote

The GeoBlue Xplorer plan is a premium option available to US citizens living abroad and expats in the USA. Their base plans are more expensive than some other options but can be worth the extra money when you get sick or injured. The premium level options are priced the same, or less, than other options with similar high levels of cover.

Additional Top International Medical Insurance Companies

• Now Health International offers quality medical coverage for foreigners living abroad throughout the world. Their Now Health WorldCare Plan‎ offers comprehensive benefits, including cover in the USA, for the discerning client. A more affordable option, as USA cover is excluded, is their SimpleCare. Request a Now Health Quote
• International Medical Group– IMG offers a wide range of products, from trip cancellation to long-term international medical (IMG Global Medical). For more than 20 years, IMG has provided international affordable medical and travel insurance  to the worldwide community insuring clients in more than 170 countries worldwide. Free IMG Quote / Apply
• IntegraGlobal is a U.K. company with service offices worldwide in Europe, North America, and Asia. They specialize in providing health plans to organizations and individuals with unique protection needs, including expats, marine professionals, and specialized risks.  IntegraGlobal aim to develop unique international health options that offer outstanding protection, excellent value, and hands-on unbeatable personal service. Integra: Integra Quote / Apply Links
• Allianz– Allianz Worldwide is a division of Allianz Worldwide Partners and part of the Allianz Group. The company is one of the biggest providers in the world, Allianz well known for its broad network and for providing excellent international medical insurance for employees. Free Quote / Apply
• BUPA International Plan– BUPA have over 65 years of expertise and dedication to health. They have a global team of advisers and health experts who, between them, speak multiple languages – and a high level of service. These are just a few of the things that Bupa Global believe makes them different.  Free Quote / Apply

Specialty Travel Health Insurance Companies

The difference between international health insurance and travel medical insurance is basically the length of coverage needed and the level of benefits desired. Seven Corners offers specialty travel health cover that will cover emergency medical care while living abroad. The Liaison Travel Insurance plan is a high-quality option at a more affordable price as the coverage is not as comprehensive as the other plans listed above. In general, it is a good option for people who are maintaining their national health plan or are moving abroad for shorter periods of time.  Free Liaison Quote / Apply

Also, consider WorldTrips for Short-Term Travel Medical Insurance cover.

How to Compare the Best Global Insurance Companies

International Insurance have created a simple comparison of the best health international insurance in the world to help in your research. To keep it simple this includes four of the top international health insurance companies. You can compare other companies against these three to ensure they are compared on the same terms. The other considerations are the AM Best ratings of the providers which give you an indication of the financial stability of each insurer.