Home > Best International Health Insurance Companies
Finding the Top Global Health Insurance Providers
Finding the best international health insurance should be at the top of your list of priorities when planning your move abroad. There are many excellent global medical options to choose from, and most of them are very affordable, especially compared to options in the US.
It is essential to review each policy's terms carefully to determine which insurer and plan are perfectly suited to your needs. Discuss your options with one of our brokers, who can help guide you through the process by requesting afree quote.
Top Ten International Health Insurance Companies
Below is a comprehensive list of the top ten international insurance companies that offer the best global health insurance. Each company provides top-notch service, comprehensive benefits, extensive coverage, and affordable rates. The A.M. Best ratings of the providers give you an indication of the financial stability of each insurer.
| Rank | Insurance Carrier | Best For | |
|---|---|---|---|
| #1 | Cigna Global | Expats who want an extensive network and highly customizable benefits | Free Quote |
| #2 | GeoBlue Xplorer | U.S. citizens moving abroad and people moving to the USA | Free Quote |
| #3 | William Russell | People who want a personal touch and do not need extensive USA coverage | Free Quote |
| #4 | IMG Global Medical Insurance | Customers who need a wide array of options at a budget-friendly price | Free Quote |
| #5 | Now Health International | People who want an economical plan with simple options and little or no USA coverage | Free Quote |
| #6 | Integra Global | Expats seeking a bespoke plan tailored to their needs | Free Quote |
| #7 | Allianz International Medical Insurance | People who want the backing of one of the largest companies in the world | Free Quote |
| #8 | AXA Global Healthcare | People who want a large global company with staff around the world | Free Quote |
| #9 | AIA Group | Expats moving to countries in Asia such as China and Singapore | Free Quote |
| #10 | Bupa Global | Citizens of select countries that want the reassurance of the Bupa brand | Free Quote |
The above companies have been ranked using the following criteria:
- Network size
- The breadth of benefits available
- Added features such as telemedicine
- Ease of filing a claim
- The ability to adjust your premium through copays and deductibles
- A.M. Best rating, which indicates the financial stability of each insurer
#1 Cigna Global
High-quality and affordable coverage
A.M. Best Rating: A
Get a Free Quote#2 GeoBlue Global Medical
Premium level coverage
A.M. Best Rating: A-
Get a Free Quote#3 William Russell
Comprehensive coverage
A.M. Best Rating: A+
Get a Free Quote#4 Now Health International
Benefit-rich and budget-friendly
A.M. Best Rating: A+
Get a Free Quote#5 International Medical Group
Affordable coverage
A.M. Best Rating: A
Get a Free Quote#6 Integra Global
Comprehensive individual and family plans
A.M. Best Rating: A
Get a Free Quote#7 Bupa Global
Extensive home and international medical coverage
A.M. Best Rating: B++
Get a Free Quote#8 Allianz Care
Affordable coverage for families living abroad
A.M. Best Rating: A+
Get a Free Quote#9 AXA Global Healthcare
Five coverage level options
A.M. Best Rating: A+
Get a Free Quote#10 Generali Global Health
Flexible and customizable plans
A.M. Best Rating: A
Get a Free Quote
A Closer Look at the Top Five International Insurance Providers
Cigna Global, GeoBlue, William Russell, Now Health, and International Medical Group are excellent choices for expatriates moving abroad to work and live. Read about each plan and request a free quoteafter you find one that best suits your needs.
#1 Cigna Global Health
Cigna Global Insurance is one of the first global health insurance companies to offer insurance cover to expatriates and travelers. Founded in 1982, the company remains to be 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 internationalhealth insurance plans that let you pick and choose the benefits to include and exclude. The cost of the policy can further be customized with multiple deductible and cost-sharing options. Its access to international doctors and hospitals is excellent, making it one of the favorites among travelers and expats.
Cigna Plan Highlights
- Three core plans: Silver, Gold, and Platinum
- Members have the flexibility to tailor their plan to suit their individual needs
- Cigna customer service is available 24/7/365
- Members have access to Cigna Global's network of trusted hospitals, clinics, and doctors
Interested in Learning More about Cigna?
Get a FREE Cigna quote today and start building your plan!
Get a Free Quote
#2 GeoBlue Global Medical
GeoBlue Global Medical is designed for U.S. citizens living abroad or non-U.S. citizens residing in the U.S. GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical and long-term insurance plans worldwide.
Get your free GeoBlue quote today!
The GeoBlue Xplorer plan provides a premium option that is available to both US citizens living overseas and expats who have been living in the USA. While the base plans the company offers are said to be more expensive than some of the options sold by competitors, they are all worth the extra money when you get sick or injured.
If you thoroughly compare the benefits, the premium level options from GeoBlue have competitive prices that outmatch the policies offered by the competition with similarly high levels of cover.
Xplorer Plan Highlights
- Unlimited medical maximum
- The most comprehensive benefits in the industry
- Members are not required to pay a deductible for standard services such as office visits, preventative care, and outpatient prescriptions
Interested in Learning More about GeoBlue?
Get a FREE GeoBlue quote today and start building your plan!
Get a Free Quote
#3 William Russell
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 plan with William Russell medical insurance. The company offers four plan tiers, each one built around your specific needs. They also offer personalized service, with teams available 24/7 whenever you need support.
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.
Interested in Learning More about William Russell?
Get a FREE William Russell quote today and start building your plan!
Get a Free Quote
#5 International Medical Group
International Medical Group (IMG) offers the widest range of products among international health insurance companies, from trip cancellation to long-term international medical (IMG Global Medical). For more than 20 years, IMG has provided international medical insurance, travel insurance, and affordable coverage to clients worldwide. IMG currently insures people in more than 170 countries globally.
Get your free IMG quote today!
IMG Plan Highlights
- Four plan options and additional optional modules
- Choice of the coverage area to reflect your geographical area of need
- Freedom to choose your health care provider wherever you are in the world
Interested in Learning More about IMG?
Get a FREE IMG quote today and start building your plan!
Get a Free Quote
Additional Leading International Medical Insurance Companies
Now Health International
Now Health International provides quality medical coverage worldwide that foreigners living abroad can easily access. One of the company’s best health insurance for international clients is theNow Health WorldCare Planwhich provides comprehensive benefits, including cover for expats in the USA. A more affordable option is theirSimpleCareplan. SimpleCare is perfect for expatriates seeking extensive medical coverage that fits their budget. Now Health International has an A+ rating from A.M. Best.
Get your free Now Health quote today!
Integra Global
Integra Global is a company based in the UK and with service offices strategically placed 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, such as expatriates, marine professionals, jet setters, and people with specialized risks. The company aims to develop unique international health insurance options that offer outstanding protection, excellent value, and hands-on unbeatable personal service.
Free Quote / Apply
BUPA International has been in business for over 65 years, specializing and dedicating its resources to providing the best international health insurance plans. Their global team of advisers and health experts speak multiple languages, which helps in providing service that exceeds expectations.
Free Quote / Apply
Allianz
One of the biggest insurance providers in the world is Allianz. It is a German company under the management of the Allianz Worldwide Partners and is part of the Allianz Group. The company is known for its wide service network that encompasses several countries and also for providing the best international medical insurance for employees.
Free Quote / Apply
AXA offers its customers superb international cover, which provides access to private healthcare whenever they need it. AXA is perfect for expatriates living and working in another country or in multiple countries. AXA also offers short-term international insurance coverage for those who do not plan on moving for a long time.
Free Quote / Apply
AIA has a strong presence in Asia, Australia and New Zealand. In addition to international health insurance, they also offer retirement insurance, life insurance and accident protection, which makes them a one-stop solution for many expats. A.M. Best rates AIA Group divisions separately depending on the nation they are operating in.
Free Quote / Apply
How to Compare the Best Global Insurance Companies
The place to start is online. There are many resources to help you make your decision before purchasing the best international insurance for you.
Choose the right insurance company for you based on six key factors: rating, cost, eligibility, coverage area, medical benefits, and healthcare network. Each international insurance company offers standard benefits, but some offer a bit more than others, and at a great price.
To further help you with your research, we have created acomparison table depicting four of the top international insurance providers, Cigna, GeoBlue, William Russell, and IMG.
Insurer Rating
The A.M. Best ratings of the providers give you an indication of the financial stability of each insurer.
Coverage Area
Most international insurance companies offer worldwide coverage including the US and excluding the US.
Plan Cost
Some international insurance companies charge more for their plans than others because they have more to offer.
Medical Benefits
Most international insurance companies provide great standard and optional medical benefits for their customers.
Eligibility
Some international insurance companies have age limits, coverage area restrictions, and pre-existing conditions limitations.
Healthcare Network
Each international insurance company has a different medical network full of fantastic doctors and exceptional hospitals.
Review and Compare your Options:Compare Health Insurance
Learn more aboutInternational Health Insurance for comprehensive annual cover.
Best International Health Insurance Companies FAQs
What is the best global health insurance?
There are many great global health insurance plans available to expatriates and their families. Cigna Global is recognized as one of the best international health insurance companies, along with William Russell and GeoBlue Global Medical. Cigna Global was the first company to offer long-term international insurance to expatriates and remains a leading provider in the industry. If you are looking for top-notch international insurance, get a Free Cigna Quote now and start building your plan.
Is Cigna Global good?
Yes, Cigna Global is a leading provider of international health insurance. Expatriates and their families can expect great, comprehensive coverage and a tailored plan that meets all of their needs.
Does your health insurance cover you internationally?
Most domestic health insurance policies do notcover you outside of your home country. If you plan on traveling or moving abroad, it is recommended that you purchase international medical insurance to cover you in case you fall ill or injured.
Who are the top 5 health insurance companies?
The top five international insurance companies are:
- Cigna Global;
- GeoBlue Global Medical;
- William Russell;
- Now Health International; and
- International Medical Group.
Who is the largest international health insurance company in the world?
The largest international health insurance company in the world is Cigna International. Cigna covers over 86 million customers in over 200 different countries. Their international healthcare network is made up of 1.65 million hospitals and healthcare professionals across the world.
Specialty Travel Health Insurance Companies
The difference between international health insurance and travel medical insurance is the length of provided and the level of benefits included in the policies. Even if you have private medical insurance from your home country, it most likely will not be accepted abroad when you get hospitalized due to an accident or illness. Even if it does, it will probably be insufficient to cover all the medical costs for your recovery.
Seven Corners offers specialty travel health cover that will cover emergency medical care while living abroad. TheSeven Corners Travel Insuranceplan is a high-quality option at a more affordable price as the coverage is not as comprehensive as the other plans listed above. In general, it is a good option for people who are maintaining their national health plan or are moving abroad for shorter periods. If you need short-term international health insurance, start building your plan with a Free Seven Corners Quote.
Learn about options to cover you forone year or less:Best Travel Insurance Companies.
ConsiderWorldTrips Insurance for short-term Travel Medical Insurance cover.
Get the Best Plan with The Help of International Citizens Insurance
Our mission is to educate you about the value of global medical, life, and travel insurance. By providing reliable and well-researched resources, you can easily select, compare, and study the plans offered by trusted insurance providers. With this information, you can be assured that you are safe and secure when you travel or relocate overseas.
You can find the very best global health insurance, international life insurance, travel medical insurance, international group plans, and trip cancellation insurance policies here. As always, please review the policy’s terms carefully and discuss them with us so we can guide you through the application process.
If you have questions or clarifications in choosing the best international health insurance plans, feel free to contact us for guidance.
Interested in Learning More?
Get a FREE quote today and start building your plan!
Get a Free Quote
More to Read:
Overseas Health Insurance Coverage
Read Article →
Compare Global Health Insurance Plans
Read Article →
International Health Insurance Plans
Read Article →
Author: Joe Cronin, Founder and President of International Citizens Insurance. Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter.
