2023’s Best Global Health Insurance Providers for Expats and Global Citizens
You want the greatest international health insurance when you relocate overseas. Excellent international medical alternatives abound, and the most of them are reasonably priced. But attempting to choose just one might be daunting. How can you locate the worldwide health plan that best suits your requirements?
We list the top 10 international insurers each year according to several important criteria.
Size of network
The range of advantages offered Extra features like telemedicine
Claim filing simplicity
The flexibility to change your premium by adjusting deductibles and copays
M.A. Best rating, which shows each insurer's level of financial soundness
You may choose the plan that will provide you with the appropriate healthcare at the right cost by using this guide, which also indicates which plans are suitable for particular specific needs. For even more thorough information, compare international medical insurance policies using our free tool.
After you've reduced the number of alternatives available to you, it's critical to thoroughly go over the details of each policy to decide which plan and insurer best fit your needs. Speak with one of our brokers about your alternatives; they can assist you in navigating the procedure. Ask for a free quotation first.
Top Ten International Medical Insurers
Below is a list of the top ten international insurers that offer the best global health insurance plans for expatriates, immigrants, and international citizens. These are global insurers that provide comprehensive annual plans for citizens of almost any country living abroad for a year or longer.
Which International Health Insurance Is Best?
On our list, Cigna Global is the best international health insurance. However, the best international health insurance for you will rely on your own requirements. For expats relocating overseas to live and work, Cigna Global, GeoBlue, William Russell, and International Medical Group are all great options. For a certain category of global citizen, each is ideal.
1.
Best Overall International Medical Insurance, Premium
Cigna Global Insurance was one of the first global health insurance companies to offer insurance coverage to expatriates and other international citizens. Founded in 1982, the company is still one of the leading international insurance providers worldwide. It is an excellent option for many people living abroad as it provides comprehensive coverage in almost any country.
Get your free Cigna quote today!
The Cigna Global plan offers flexible levels of international health insurance, with modules so you can add specific benefits you need without paying for something you won’t use. That’s just one of the factors that earned them the top slot on our list. Multiple deductible and cost-sharing options allow you to further customize the cost of your premium. Cigna’s access to international doctors and hospitals is excellent, making it one of the favorites among travelers and expats. They have earned an A rating from A.M. Best.
Cigna Plan Highlights
Three core plans: Silver, Gold, and Platinum
Comprehensive plans that can be tailored to suit each client's individual needs
Cigna customer service is available 24/7/365
Access to Cigna Global's network of trusted hospitals, clinics, and doctors
2.
Premium - The Best Health Plan for US Citizens Abroad
The Xplorer package from GeoBlue is the best option for foreigners residing in the United States and for American citizens living abroad. GeoBlue provides long-term insurance coverage as well as short-term travel medical insurance around the globe. It is an independent licensee of the Blue Cross Blue Shield Association.
Both foreign nationals residing in the USA and US citizens living abroad can choose the premium GeoBlue Xplorer package. Despite these geographical restrictions, GeoBlue's broad network, simple claim process, and first-rate telehealth services helped them rank second on our list. Members concur that GeoBlue's extensive coverage and friendly service make their premium plans well worth the extra cost in the event of illness or injury. GeoBlue's A.M. Best rating is an A
When comparing the features in detail, you will find that GeoBlue's premium level alternatives are more affordable than those of competitors that provide comparable levels of coverage.
Highlights of the Xplorer Plan
Unrestricted medical maximum
The industry's most extensive benefits programme members don't have to pay a deductible for routine services including doctor visits, preventive care, and outpatient prescription drugs
3.
Top International Health Insurance for Low-Income Individuals
Among foreign health insurance providers, overseas Medical Group (IMG) provides the broadest selection of products, ranging from trip cancellation to their long-term overseas medical plan, IMG Global Medical. IMG has been offering consumers all around the world inexpensive coverage, travel insurance, and international medical insurance for more than 20 years. People are presently covered by IMG's insurance in over 170 countries worldwide.
Due to its extensive range of plans, superior coverage for preventative care, and customizable price choices, IMG has secured the fourth position on our list. They also provide add-on coverage for sports, terrorism, worldwide term life insurance, and other things. A.M. Best has rated IMG an A-.
IMG Plan Highlights
Four plan options and additional optional modules
Choice of coverage areas to reflect your geographical area of need
New: Europe Only Coverage Available!
Freedom to choose your health care provider wherever you are in the world
4.
Best Policies for Expats in Asia
William Russell has been in the healthcare business for 30 years, specializing in providing members with private insurance benefits in 160 countries. Whether you are an individual, a family, or an individual planning a family, you can find the right policy with William Russell medical insurance.
The company offers four plan tiers, each one built around your specific needs. They have excellent benefits, including top-notch coverage for cancer care and extensive preventive care coverage. Their rates can be customized via the deductible you choose and your selected area of coverage. (Plans do not include USA coverage, but limited U.S. coverage for trips up to 90 days can be added.) Their highly personalized service and 24/7 customer service earned them the third spot on this list. William Russell has an A+ rating from A.M. Best.
Get your free William Russell quote today!
William Russell's four plan levels, Gold, Silver, SilverLite, and Bronze provide members with comprehensive medical coverage, excellent benefits, and a high level of service.
William Russell Highlights
Each plan level gives full cover for inpatient and most tiers have no limit on outpatient treatment.
Full cancer coverage, including $6,000 for cancer genome treatment.
All plans offer Medevac Basic, with the option to add on Medevac Plus coverage.
NOW ADDITIONAL HEATH INSURANCE COMPANIES
Added Prominent International Health Insurers Currently Health International
Foreign nationals residing overseas may now easily get high-quality medical coverage offered globally by Health International. The Now Health WorldCare Plan, which offers extensive benefits, including coverage for foreign nationals living in the United States, is among the company's top health insurance options for consumers from other countries. Their SimpleCare plan is a more cost-effective choice. For foreigners looking for affordable, comprehensive medical coverage, SimpleCare is ideal. A.M. Best has now given Health International an A+ rating.
Integra Global, based in the UK, has service offices worldwide including several countries in Europe, North America, and Asia. The company specializes in providing health plans to individuals, corporations, and organizations with unique protection needs. Integra covers expatriates, marine professionals, jet setters, and other people with specialized risks. It aims to develop unique international health insurance options that offer outstanding protection, excellent value, and hands-on unbeatable personal service. Integra Global has earned an A rating from A.M. Best.
Allianz International Medical Insurance
Allianz is among the largest insurance companies in the world. This German business is a member of the Allianz Group and is run by Allianz Worldwide Partners. The organisation is well-known for its extensive worldwide network and for offering corporations international health insurance for its staff members. A.M. Best has rated Allianz Group with an A+.
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