Individuals & Corporate Groups

International Health Insurance for Expats & Global Employees

Living or working outside the US means your domestic health insurance likely doesn't cover you. Expat health insurance provides comprehensive medical coverage — from routine check-ups to emergency evacuation — for individuals and employees stationed abroad.

Get an Expat Health Quote (800) 555-1234

Comprehensive Coverage Abroad

Expat health insurance provides the same broad coverage you'd expect from a premium domestic employer health plan — but designed for individuals living and working outside their home country. Plans are written to cover healthcare in the country of residence plus travel to other countries, and typically include emergency evacuation back to the US when local care is inadequate.

Individual plans can be tailored to your specific country of residence and budget. Corporate group plans are structured to cover the full expatriate population efficiently, often with a single policy covering employees across multiple countries.

What Expat Health Coverage Includes:

Comprehensive inpatient and outpatient care
Emergency medical evacuation to nearest adequate facility
Repatriation of remains in the event of death
Routine and preventive care (physicals, vaccinations)
Mental health and counseling coverage
Prescription drug coverage
Maternity and newborn care
Direct billing to hospitals worldwide
24/7 multilingual assistance hotline
Optional dental and vision riders
Expat health insurance for international employees

Who Needs Expat Health Insurance?

Corporate Expat Groups

Companies sending employees to foreign assignments — from 1 to 1,000+ — need group expat health plans that cover the full scope of healthcare needs abroad.

Individual Expats

Professionals, retirees, and individuals relocating abroad need individual expat health plans that provide the same breadth of coverage as their domestic employer plan.

NGO & Missionary Workers

Development workers, missionaries, and aid workers in remote or underserved regions need coverage that includes emergency medical evacuation from areas with limited care.

Digital Nomads

Location-independent professionals working across multiple countries need flexible international health plans that follow them globally without country restrictions.

Expat Health Insurance FAQ

What is the difference between expat health insurance and travel insurance?
Travel insurance is designed for short trips (typically under 6 months) and covers emergency situations only. Expat health insurance is designed for longer-term residence abroad and provides comprehensive coverage — routine care, specialists, preventive care, mental health, and emergency — similar to domestic employer-sponsored health insurance.
Can I keep my US domestic health insurance when living abroad?
Most US domestic health plans provide very limited or no coverage outside the US. Some plans cover emergency treatment abroad but exclude routine care. Medicare does not cover care outside the US. For meaningful health coverage while living abroad, expat health insurance is necessary.
Does expat health insurance cover pre-existing conditions?
Policies vary significantly. Some plans exclude pre-existing conditions entirely; others offer coverage after a waiting period; premium plans cover pre-existing conditions from day one with no waiting period. We match clients to plans that accommodate their specific health situation.
How does the global network work for finding doctors?
Most expat health plans maintain networks of hospitals and physicians in major cities worldwide. For direct billing (where the insurer pays the provider directly rather than requiring you to pay and submit), staying in-network is important. Outside network areas, you pay and submit a claim for reimbursement.

Get Covered Before You Move Abroad

Individual and group expat health plans — quoted within 48 hours.

Get an Expat Health Quote