Top 10 International Health Insurance Companies
2024’s Best Global Health Insurance Providers for Expats and Global Citizens
When you're moving abroad, you want the best international health insurance. There are many excellent global medical options to choose from, most of which are affordable. But it can be overwhelming to try to pick one. How do you find the best global health plan for your needs?
Each year, we rank the top 10 global insurers based on several key factors.
- 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
This guide also identifies which plans are best for particular needs so you can find the one that will give you the right healthcare at the right price. Use our free tool to compare global health insurance plans for even more detailed information.
Once you've narrowed down your options, it’s essential to review each policy's terms carefully to determine which insurer and plan are best suited to your needs. Discuss your options with one of our brokers, who can help guide you through the process. Start by requesting a free quote.
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.
#1 Cigna Global Medical
Best for expats who want an extensive network and highly customizable benefits
Get a Free Quote#2 GeoBlue Xplorer
Best for U.S. citizens moving abroad and people moving to the USA
Get a Free Quote#3 IMG Global Medical Insurance
Best for customers who need a wide array of options at a budget-friendly price
Get a Free Quote#4 William Russell
Best for people who want a personal touch and do not need extensive USA coverage
Get a Free Quote#5 Bupa Global
For citizens of select countries that want the reassurance of the Bupa brand
Get a Free Quote#6 Now Health International
Best for people who want an economical plan with simple options and little or no USA coverage
Get a Free Quote#7 Integra Global Health Insurance
Best for expats seeking a bespoke plan tailored to their needs
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#8 Allianz International Medical Insurance
For people who want the backing of one of the largest companies in the world
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#9 AXA Global Healthcare
For people who want a large global company with a global team
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#10 AIA Group
For expats moving to countries in Asia, such as China and Singapore
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What Is the Best Global Health Insurance?
Cigna Global ranks as the best global health insurance on our list. But the best global health insurance for you depends on your specific needs. Cigna Global, GeoBlue, William Russell and International Medical Group are all excellent choices for expatriates moving abroad to work and live. Each one is best for a specific type of global citizen.
Read about each plan below. When you identify insurers that interest you, request a free quote.
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 to 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 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
- Coverage options include: Outpatient, Worldwide (or Cover Excluding the USA), Health and Wellbeing, Medical Evacuation, and Vision/Dental
Key Insights: 67% of clients choose to include the Outpatient module, 46% choose Worldwide coverage, 37% choose Health and Wellbeing, 26% opt into the Medical Evacuation module, and 16% add the Vision and Dental Benefit.
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