If you’re contemplating a relocation or planning to settle in a foreign country, obtaining expat/international health insurance is indispensable! However, given the abundance of insurance options available, identifying the optimal choice can be a daunting task. Explore this article to delve into the top alternatives, examining their advantages and disadvantages, and review tables that compare the essential features of each insurance plan.

So, you’re embarking on a thrilling journey abroad… Congratulations! I’m genuinely excited for you!

Residing, working, or pursuing studies in a foreign nation can provide an exhilarating adventure. You’ll be connecting with numerous individuals who, much like yourself, embrace the opportunity to explore the world beyond their native countries. Yet, amid your preparations for visa arrangements and vaccination schedules, there’s a crucial aspect that should not be overlooked: expat/international health insurance.

 

The Chinese healthcare system is a mix of public and private services. The system has undergone significant reforms in recent years to address various challenges, including access to healthcare, affordability, and quality of services. Keep in mind that healthcare systems can evolve, and there might have been changes since my last update.

Key features of the Chinese healthcare system include:

• Public Healthcare:
  • China has a public healthcare system that provides basic medical services to residents. The system is primarily funded through public funding, including government allocations and social health insurance contributions.
• Social Health Insurance:
  • Social health insurance programs are a significant component of the Chinese healthcare system. These programs are designed to cover a portion of medical expenses for individuals and families.
  • Urban employees, rural residents, and others contribute to social health insurance schemes, which help offset the costs of medical care.
• Public Hospitals:
  • Public hospitals play a central role in providing healthcare services. They are often major healthcare providers and are equipped to handle a wide range of medical issues.
  • However, public hospitals may face challenges such as overcrowding and disparities in the quality of care between urban and rural areas.
• Primary Care:
  • The Chinese government has been working on strengthening primary care services to improve access to basic healthcare services and reduce the burden on large hospitals.
  • Community health centers and township hospitals serve as primary care facilities, providing preventive services and basic medical care.
• Private Healthcare:
  • In recent years, there has been an effort to encourage the development of the private healthcare sector to provide additional choices for patients and to address the increasing demand for healthcare services.
  • Private hospitals and clinics often offer more specialized and premium services. They are typically funded through patient payments and private health insurance.
• Healthcare Reforms:
  • The Chinese government has implemented a series of healthcare reforms to address challenges such as uneven distribution of healthcare resources, high out-of-pocket expenses, and the need for improved quality of care.
• Telemedicine:
  • China has been exploring the use of telemedicine to enhance healthcare access, especially in rural areas where there may be a shortage of healthcare professionals.

Moreover, should you opt for an international lifestyle, neither of these two plans will extend coverage for your health under any circumstances.

Your health coverage from your home country won’t apply during your long-term stay in another country. Additionally, if you lack citizenship in the country you’re relocating to, you won’t fall under the protection of its public healthcare system.

 

What is expat/international health insurance?

Why do I need international medical insurance for expats/immigrants and students?

Similar to the importance of having health coverage in your native country, obtaining health insurance becomes equally crucial if your plan involves residing in another country for a duration exceeding six months. In fact, numerous countries require proof of medical insurance as a prerequisite for issuing visas or work permits (further details can be found in the “expat/international health insurance for immigration” section below).

Living abroad, whether as an expatriate, immigrant, or student, presents unique healthcare challenges. While away from your home base, ensuring access to quality healthcare services and financial protection in unforeseen medical scenarios is imperative.

For expatriates or immigrants, maintaining regular check-ups, promptly addressing health concerns, and being prepared for potential emergencies remain essential. Possessing international medical insurance that extends coverage overseas not only provides peace of mind but also guarantees access to necessary healthcare when the need arises.

For students engaged in studies abroad, international medical insurance holds particular significance. Navigating a new environment may expose you to diverse healthcare systems, potential health hazards, and the need for ongoing medical assistance. Comprehensive coverage ensures access to requisite healthcare services, including routine check-ups, treatment for illnesses, and emergency medical care.

While certain employers may extend healthcare coverage to employees working in foreign locations, this is not universally applicable. It is crucial to inquire with your employer about the availability of an international health plan for you and your family. If such coverage is not provided, obtaining your immigrant/expat insurance plan aligned with the coverage you enjoyed back home is strongly recommended.

The positive aspect is that tailored international health insurance options exist, catering to your specific needs, whether you’re a solo traveler or seeking coverage for your family.

Investing in international medical insurance as an expat, immigrant, or student reflects a responsible decision prioritizing your health and well-being while residing abroad. It ensures readiness for any healthcare requirements that may emerge and offers the necessary support to navigate the healthcare systems of your host country.

 

Why can’t I just make sure I’m healthy before I leave?

Can I just use travel insurance for healthcare while living abroad?

Usually, travel insurance is not sufficient for prolonged stays in a single country. Its coverage is mainly designed for trips lasting less than 6 months, although there are options for multiple countries if you are a tourist.

To understand the differences between travel insurance and expat/international health insurance, let’s explore additional details below.

 

Difference between travel insurance & expat/international health insurance

 

Travel insurance:

• It caters to individuals on tourist visits or temporary travel, not intended for those establishing residence in a new country.
• Typically provides coverage for medical emergencies abroad but frequently omits basic preventative care.
• May encompass incidents like lost baggage and trip cancellations, contingent on the specific policy. In certain zones, like the European Schengen Area, travel insurance might be mandatory for entry.
• For additional insights into travel insurance, we recommend perusing our article highlighting the leading three budget-friendly travel insurance companies.

 

Expat/international/immigrant/overseas health insurance:

Expat/international health insurance for immigration and applying for residence permits/visa

Personal experience using expat/international health insurance for immigration in Sweden (hint: it’s not always easy): When Nikki relocated from the United States to Sweden, upon applying for her temporary residence permit, she faced the requirement of presenting proof of international health insurance to the immigration authorities. Subsequently, she obtained a policy from one of the companies listed below, which was duly accepted by immigration.

However, when she proceeded to apply for her tax identification number via the Swedish tax office, she encountered a situation where the same insurance policy was deemed unacceptable. Consequently, she had to procure a new policy from a different company.

If you anticipate facing a similar situation, it is essential to thoroughly review the cancellation policies of each insurance company. By doing so, even if your current plan is rejected by immigration or other authorities, you can minimize financial loss by canceling your existing policy and obtaining a new one.

 

What should I look for in an overseas healthcare plan for expatriates?

The selection of a plan depends on the type of coverage you require as an immigrant/expat. Here are some fundamental elements they should encompass:

• Sufficient yearly benefit maximums
• Plan and price flexibility
• Coverage for wellness care and emergency situations
• Inpatient and outpatient hospital visit coverage
• A broad network of doctors and medical facilities to choose from
• Multilingual and 24/7 customer service

Here is a comparison of our top three recommended insurance choices for expats/immigrants, streamlining your decision-making process. These options provide essential coverage for inpatient care, routine doctor’s visits, emergency evacuations, and 24/7 customer service.

Please be aware that additional coverage for dental and vision services may involve extra expenses. If you are anticipating or planning to begin a family while living in another country, opting for more comprehensive plans may be essential to ensure thorough coverage.

It’s essential to keep in mind that lower-cost insurance plans often offer less coverage. Therefore, thorough research is crucial to identify the ideal plan that aligns with your specific needs.

 

Who do these international health insurances work for?

 

For these citizens living abroad as expats or immigrants:

• Americans
• Australians
• Chinese
• Germans
• French
• Argentinians
• British
• Swedes
• New Zealanders

And for citizens from almost every other country living abroad

 

For expats/immigrants living in:

• The United States
• Canada
• China
• Germany
• Sweden
• Spain
• Portugal
• France (European Union/Schengen Area as a whole)
• United Kingdom
• China (and Hong Kong)
• Australia
• Switzerland

And for expats living in almost any other country in the world

In other words, no matter your citizenship or which country you are moving to, most of these international health plans will work for you since they are truly global insurances.

 

Some questions to ask yourself before you buy expat/international medical insurance:

• Do you need a private room if you’re admitted to a hospital?
• Are you planning on starting a family or expanding your family?
• Do you have any pre-existing conditions or are you on any medications you need to continue while living in another country?
• Are you willing to pay a higher deductible for lower premiums?

 

Note: If you aren’t really an expat/immigrant but an international student at a school or college/university overseas, then I suggest you take a look at my article with the 3 Best and Cheapest Health Insurance for International Students and Exchanges/Study Abroad.

 

  1. Cigna Global

 

What I like:

 

    2. IMGlobal

 

What I like:

 

   3. Now Health International

Now Health International is committed to delivering an effective, budget-friendly, and readily available service, as suggested by its name. The company places considerable emphasis on forming a connection with its customers. They articulate plan details with clarity and efficiency, promptly addressing any questions or concerns through their dedicated customer support team.

Now Health plans are carefully designed to address the everyday challenges faced by individuals living abroad, providing guidance and ensuring access to high-quality healthcare services worldwide.

 

What I like:

• They offer personalized plans tailored to your specific needs.
• Their customer support team provides clear information and exceptional assistance.
• Coverage is available in 194 countries and territories.
• They offer plans with comprehensive coverage for routine maternity care.

 

 

What I don’t like:

• There is a 12-month waiting period before you can access maternity coverage.
• Certain procedures may require the use of the company’s reimbursement system, meaning you have to cover the costs of your care initially.

 

  4. Allianz Worldwide Care

 

 

Here are a few of the things that I appreciate and didn’t like about Allianz. 

What I liked: 

What I didn’t like: 

• Allianz don’t have many options for plans.

 

 

     5. Safety Wing

 

What I like: 

 

     6. Foyer Global Health

What I like: 

 

   7. Global Underwriters

Global Underwriters is a well-regarded insurance provider renowned for its exceptional offerings crafted for expatriates and immigrants. Drawing on their extensive experience in the industry, they stand out in creating customized plans for travelers across the globe.

For expatriates, Global Underwriters presents two noteworthy alternatives: Diplomat Long Term and Diplomat International. These plans are meticulously crafted to cater to the unique requirements of individuals residing in foreign countries, delivering comprehensive coverage and instilling a sense of assurance.

 

What I like:

• Global Underwriters’ plans include essential features such as medical evacuations, repatriation of remains, and emergency dental coverage.
• These comprehensive benefits offer coverage of up to $1,000,000 for medical expenses and accidental death or dismemberment, providing substantial protection.
• Recognizing the importance of seamless travel experiences, Global Underwriters provides support in the event of trip interruptions due to health issues, as well as assistance for lost luggage. These additional services aim to ensure peace of mind during your journeys.

 

What I didn’t like: 

The Diplomat Long Term plan is not available to residents in New York, Maryland, South Dakota, as well as citizens of Australia and Iran. Additionally, travel to Cuba, Iran, and Afghanistan is not covered under the Diplomat Long Term plan. Lastly, the Diplomat International plan does not encompass coverage for COVID-19.

 

3 Bonus options for Expat International Insurance plans:

 

   – GeoBlue

 

What I like:

• GeoBlue excels in delivering a service of outstanding quality that surpasses even the highest standards in the industry. Their Xplorer plan is intricately designed to meet the distinctive needs of expatriates, foreign nationals residing in the US, and US citizens living abroad. This plan offers unparalleled flexibility to ensure it aligns with your individual requirements.
• With the Xplorer plan, you can rest assured about standard service deductibles, and it provides unlimited medical coverage, ensuring comprehensive protection. In addition to its extensive coverage, the Xplorer plan includes benefits for extreme sports activities, and it comes with no cancellation fees. For expanded coverage, GeoBlue offers optional dental and vision coverage choices that can be added to your plan.
• GeoBlue provides a range of plans to choose from, allowing you to select the one that best aligns with your specific needs. Their customer service is available 24/7, offering round-the-clock assistance whenever needed. Their plans offer comprehensive coverage, encompassing essential services like evacuation, health consultations, and maternity care, ensuring you are thoroughly protected.

 

What I didn’t like: 

• GeoBlue’s insurance plans are currently not accessible to residents of New York and Washington states.
• To obtain pricing information for their plans, it is crucial to contact a broker who can provide the relevant details.

One notable advantage offered by GeoBlue is unlimited telemedicine consultations, provided at no cost to plan members with inquiries related to Covid-19. Furthermore, if a physician deems it necessary, the company covers the expenses associated with clinical testing and treatment for Covid-19.

 

   – Seven Corners Liaison Majestic

As with IMG, Seven Corners also has medical insurance for travelers, students, faculty,  and others. 

 

What I like:

    – Aetna (acquired by Allianz)

Aetna prioritizes customer satisfaction by delivering services tailored to the unique needs of individuals. With a strong emphasis on addressing the diverse requirements of expatriates and citizens residing in various countries worldwide, Aetna provides an extensive range of customized plans.

By taking into account the individual circumstances of their customers, Aetna ensures that their plans are intricately crafted to provide comprehensive coverage and meet the specific healthcare needs of individuals living abroad.

 

What I like: 

 

Do you consider yourself a “global citizen,” or are you a digital nomad and need medical insurance that will follow you worldwide?

 

CIGNA	IMGLOBAL	AETNA	GEOBLUE	SAFETY WING	GLOBAL HEALTH FOYER	GLOBAL UNDERWRITERS
Silver – $1 million	BRONZE – $1 million	The values of the limits increase depending on the length of the insurance contract	The coverage amounts may change according to your choices	Annual benefit maximum of US $1,000,000	Personalized plans for you or your family	Maximum annual benefit of $1,000,000.00
Gold – $2 million	SILVER – $5 million	Aetna’s plans may cover cancer treatments when the patient is part of a clinical trial.		Full reimbursement for hospital & cancers treatments, ambulance, and reconstructive surgeries	Value of total coverage is something you can customize per item	Up to $1,000,000 coverage in cases of accidental death or dismemberment
Platinum – Unlimited	GOLD – FOR COVERAGE UP TO 36 MONTHS – $5 million					Value of total coverage is something you can customize per item
	GOLD – FOR COVERAGE AFTER 36 MONTHS – $5 million
	GOLD PLUS – $5 million
	PLATINUM – $8 million

 

A complete table comparing these 7 health insurances for expats…

 

	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote
BENEFIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT
Benefit Information
Medical Maximum	Unlimited (for the Platinum plan)	$8,000,000	The site doesn’t specify	Unlimited	US$1,000,000 per year	The site doesn’t specify	$1,000,000
U.S. In-Network Coinsurance	You choose. From 70%(100% thereafter) to 100%	100%	No	60% for maximum coinsurance and then 100%	Yes, for higher fees	Only in emergencies	Yes
U.S. Out-of-Network Coinsurance	You choose. From 70%(100% thereafter) to 100%	90% to $5,000 (100% thereafter)	Yes, for higher fees	100%	100%	100%	100%
Mental Health Availability	No waiting period	12-month waiting period	Co-payment of $25 per visit, waived deductible	75% up to 40 visits / 60% after that	No	Waiting period of 10 months	Depends on the plan
Mental Health Benefit	Inpatient and Outpatient: $5,000 lifetime maximum to paid in full depending on the plan	Inpatient and Outpatient: $50,000 lifetime maximum	Co-payment of $250 after deductible	100% up to 60 days		International and ambulance: limit not specified
Inpatient Prescription Drugs	$500 to paid in full depending on the plan	Up to $8,000,000	Yes		Complete reimbursement	Yes	Yes
Outpatient Prescription Drugs	None, unless you buy the International Outpatient Option	Up to $8,000,000			Complete reimbursement	Yes	Yes
Evacuation and Repatriation of Remains	Paid in full	Up to $8,000,000	Yes	Up to $25,000	No	Up to 10,000 euros	Yes
Accidental Death & Dismemberment	Depends on the plan	Rider available, limit depends on age.		$50,000			Depends on the plan
Emergency Dental	Paid in full	Up to $8,000,000	Optional	1,000 per year, $ 200 per tooth	Yes, however you need to pay an extra fee on top of your plan	Depending on the plan, it’s unlimited	It has coverage in the Diplomat Long Term and Diplomat International plans
Treatment Necessary as Result of Terrorism	Up to the amount of the coverage	Rider available up to $50,000-lifetime maximum			Clause available up to maximum of $50,000 in lifetime payments
Amateur Sports	Unlimited	Rider available up to $10,000	No	Yes	No	No	No
Newborn Care
Routine Nursery Care of a Newborn Child of a Covered Pregnancy	$25,000 to $156,000 depending on the plan	$1,000 additional deductible, $50,000 lifetime maximum, $200 wellness benefit for first 12 months	Yes		Depends on the plan	Can be unlimited depending on the plan	Can be unlimited depending on the plan
Children born as a result of fertility treatment (such as IVF or surrogacy)	Only after the baby is 90 days old	Excluded	Depends on the plan		Excluded	No
Neonatal Intensive Care Unit	Check website for updated information	$250,000 maximum for first 31 days	No		Up to $250,000 for the first 31 days	No
Pre-existing Conditions
Pre-existing condition exclusion period	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness
Pre-existing condition look back period	Any time prior to effective date	Any time prior to effective date	Any time prior to effective date	Any time prior to effective date	Any time prior to the effective date	Any time prior to the effective date	Any time prior to the effective date
Pre-existing annual maximum once covered	Unlimited depending on the plan	Up to $8,000,000	Unlimited depending on the plan	Unlimited depending on the plan	Full reimbursement	Unlimited depending on the plan	Unlimited depending on the plan
Pre-existing lifetime maximum once covered	Unlimited depending on the plan	Up to $8,000,000	Unlimited depending on the plan	Unlimited depending on the plan	Full reimbursement	Unlimited depending on the plan	Unlimited depending on the plan

Worldwide Medical Insurance / Comparison Chart*

Part of the table courtesy of Tokio Marine HCC

*Note: this table is just for informational purposes and subject to change. It was accurate as of the time we wrote it here, but please check each company’s individual website for updated info.

 

To sum up…

These are the 7 best international health insurance for expats and immigrants:

1. Cigna
2. IMG
3. Now Health
4. Allianz
5. Safety Wing
6. Foyer Global Health
7. Global Underwriters

 

In conclusion…

Do you live abroad and need to receive or send money back home cheaply?

I have a specific article to help you make international transfers as cheaply as possible: The 5 Best Websites for International Money Transfers (send and receive money from abroad).