Moving abroad? Your domestic health insurance will likely not cover you. This guide explains everything expats need to know about international health insurance.
Moving abroad is exciting — but it also means your domestic health insurance will likely stop covering you. Here's everything you need to know about expat health insurance.
Why You Need Expat Insurance
National healthcare systems are tied to residency and citizenship. Once you live outside your home country, you generally lose access to public healthcare benefits. International health insurance bridges that gap.
What Expat Insurance Covers
A good expat health plan should cover: inpatient and outpatient care, emergency evacuation, dental and optical (often optional), maternity, prescription drugs, and mental health support.
Key Factors to Compare
When comparing expat plans, pay attention to: the annual coverage limit, geographical coverage area, waiting periods (especially for maternity), whether your home country is covered for visits, and the claims process.
Top Expat Insurers
CIGNA Global, BUPA International, and APRIL International are among the most respected names in expat health insurance. SafetyWing is popular with digital nomads for its subscription-based model.
How Much Does It Cost?
Expat health insurance typically costs $100–300/month depending on your age, destination, and coverage level. Premiums are higher in the USA and lower in Southeast Asia.