Finding the finest foreign health insurance for expatriates begins with reputable companies such as VUMI, Cigna Global, AXA, Allianz Care, Bupa Global, and more. These firms offer comprehensive coverage, extensive provider networks, adjustable plan tiers, and expat-specific features such as emergency care, maternity, mental health services, and chronic illness management.
This list focuses on the top ten international health insurance for expats living or working overseas. Pacific Prime compares each provider’s major features, plan options, and annual benefit limitations to assist you in selecting the best global health coverage for your lifestyle.
Top Three Global Health Insurance Providers The 3 top international health insurance businesses are:
1. VUMI
VIP. Universal Insurance Group (VUMI) is a leading international health insurance provider due to its direct billing, various coverage options, hospital discounts, and in-house administration and customer support.
VUMI additionally distinguishes itself from other foreign health insurance companies by its maternity insurance coverage. Its coverage limitations are generally higher than those of other maternity insurance plans, and the top plan tier available through VUMI includes reimbursement for infertility treatments.
| VUMI Global Flex VIP Plans Annual Benefit Limits At-a-Glance | |
| Global Flex VIP Plan | Annual Benefit Limit |
| Basic | USD $3,000,000 |
| Standard | USD $3,500,000 |
| Superior | USD $4,000,000 |
| Ultra | USD $4,500,000 |
| Total | USD $5,000,000 |
2) Cigna Global
Cigna Global offers worldwide plans with unlimited coverage options.
Cigna Global provides foreign health insurance for individuals, families, and expats. Cigna insurance is accessible in more than 200 countries and territories. Customer service is provided 24/7 in over 50 languages.
As one of the leading health insurance companies, Cigna’s Platinum plan provides expatriates with maternity insurance, infertility research and treatment coverage, and an unrestricted yearly benefit cap.
Cigna’s foreign medical insurance plan options range from the low-cost Close Care plan to the most comprehensive protection, the Platinum plan. Expats looking for a balance between monthly premiums and coverage might consider Cigna’s Silver and Gold plan alternatives.
| Cigna Global Annual Benefit Limits At-a-Glance | |
| Plan | Annual Benefit Limit |
| Close Care | USD $500,000 |
| Silver | USD $1,000,000 |
| Gold | USD $2,000,000 |
| Platinum | Unlimited |
3. AXA Global Healthcare.
AXA Global Healthcare is a renowned worldwide health insurance provider because it pays out more than 80% of claims within 48 hours of receiving all proof. This health insurance provider offers expats five different levels of coverage to select from.
AXA’s Foundation plan provides affordable emergency coverage. Their Prestige Plus plan offers the most comprehensive coverage with the largest yearly benefit limit.
| AXA Global Healthcare Plans Annual Benefit Limits At-a-Glance | |
| Plan | Annual Benefit Limit |
| Foundation | USD $160,000 |
| Standard | USD $1,600,000 |
| Comprehensive | USD $2,400,000 |
| Prestige | USD $3,200,000 |
| Prestige Plus | USD $8,000,000 |