One of the biggest concerns for any expatriate, is ensuring access to healthcare anywhere in the world. While some countries will allow expats to access the state healthcare system, in others, health insurance is mandatory for all residents. Many expats chose to have health cover for themselves and their whole family regardless, so that they have peace of mind, knowing that they will be well looked-after in the case of illness or injury. There are a number of global health insurance providers who have plans that are perfect for expatriates relocating to live and work outside of their country of nationality. We look at some of the most popular international health insurance providers.

Cigna Global

www.cignaglobal.com

Cigna Global offers an extensive network of trusted hospitals, clinics and doctors, making it straightforward to get high-quality healthcare anywhere in the world. There are three core plans available, which range in costs and benefits, as well as optional modules that can be added on, such as International Vision & Dental. This helps expatriates to tailor a plan to meet their specific needs and budget. There is also 24/7 customer care, and calls are directed to healthcare experts to help with specific queries. The company aims to reimburse all claims within 5 working days of receiving all the necessary documentation.

Aetna International

www.aetnainternational.com

With more than 160 years of experience in healthcare, Aetna is a well-known name in the international healthcare sector. Its Member Service representatives are available all year round, 24/7, and they can help locate the right healthcare services in many countries around the world (do check the exceptions). All of the plans available cover hospitalisation, cancer care, emergency medical evacuation and repatriation, and they can then be customised to suit the individual or family applying. Options such as Maternity cover can be added on if relevant. The plan can be managed and accessed through the online account anywhere in the world.

BUPA Global

www.bupaglobal.com

BUPA is a popular and highly regarded insurance provider in the UK, so it’s no wonder that its international health insurance is just as good. BUPA Global gives access to a network of over 1.2 million medical providers around the world, offering flexibility and choice when it comes to receiving healthcare. It has its own team of advisors, doctors and nurses around the world. Advice is offered in multiple languages and is available 24/7 to help with claims, guidance and queries. Plans can be managed online, which makes it easy to claim and follow the progress of the claim to completion.
 

Allianz Worldwide Care

www.allianzworldwidecare.com

Allianz offers flexible plans that can be tailored to suit the needs of expats and their families. The plans range from Essential, aimed at students and professionals, to Classic and Premier, which are perfect for professionals, couples and families who are relocating abroad. Benefits vary depending on the plan, but they all include in-patient care, day care, MRI/CT scans, medical evacuation and oncology. Additional extras are available, including dental and outpatient options, as well as maternity where relevant.