What is the best health insurance for expats?


Editorial team Published on

The best expat health insurance providers are Cigna Global, Allianz Care, and IMG, offering customizable global coverage, emergency medical evacuation, and 24/7 support.

Top Expat Health Insurance Providers

  • Cigna Global: Best overall for comprehensive, flexible coverage with customizable tiers (Silver, Gold, Platinum), robust cancer care, and optional U.S. inclusion.
  • Allianz Care: Best for global security and professionals, featuring strong in-patient, day-care, and maternity care with high-end backing.
  • IMG (International Medical Group): Best for flexible, modular plans and regional choices (such as Europe-only options to lower costs).
  • William Russell: Best budget-friendly choice or option for younger individuals and students seeking straightforward international protection.
  • AXA Global Healthcare: Best for fast access to care, offering transparent levels and large proprietary hospital networks.

Key Factors to Consider

  • U.S. Coverage: Including the United States in your zone of coverage dramatically increases your premium. Exclude it if you do not plan to seek routine medical care there.
  • Deductibles: Choosing a higher annual deductible lowers your monthly premium, which works well if you only want protection against major medical emergencies.
  • Pre-existing Conditions: Standard international plans often exclude pre-existing medical conditions unless you undergo a formal medical underwriting process or get special approval.