What Is Expat Health Insurance?
Expat health insurance is a type of international health coverage designed for people living and working outside their home country for an extended period. Unlike travel insurance, it provides access to private healthcare for both routine and emergency needs.
If you’re moving abroad for work, retirement, or family life, expat health insurance gives you access to reliable care, often with global hospital networks, multilingual support, and direct billing.
Why Not Just Use Travel Insurance?
Travel insurance is designed for short-term trips. It typically only covers emergencies, and almost never includes outpatient care, maternity, check-ups, or pre-existing conditions.
Expat health insurance is for people living overseas for 6+ months and includes:
- Hospitalization and emergency treatment
- Outpatient care (GP visits, diagnostics, prescriptions)
- Optional add-ons like maternity, dental, and vision
- Coverage that moves with you if you change countries
More on travel insurance vs health insurance here.
Key Expat Health Insurance Terms You’ll Hear (And What They Actually Mean)
| Term | What It Means |
|---|---|
| Inpatient | Care that requires an overnight stay in the hospital |
| Outpatient | Visits to a doctor or specialist without a hospital stay |
| Deductible | The amount you pay before insurance kicks in |
| Co-pay | A percentage you pay per treatment, e.g. 10% of a bill |
| Pre-existing condition | A health issue you had before applying for insurance |
| Direct billing | The hospital bills the insurer directly — no paperwork for you |
| Evacuation | Emergency transport to a better-equipped facility or your home country |
| Repatriation | Transport back to your home country, often in a medical emergency |
| Portability | Your ability to take the plan with you when you move to another country. |
| Area of Cover | The countries where your insurance will cover you. |
| Premium | The amount you pay for your insurance plan, typically monthly or annually. |
| Annual Limit | The maximum your plan will pay in one year. Varies by plan (e.g. $1M, $5M+). |
What Does a Good Plan Include?
A strong international health insurance plan should offer:
- Inpatient and outpatient care
- Direct billing access to top hospitals
- Global or regional coverage (with or without the U.S.)
- 24/7 multilingual support
- Optional maternity, dental, or wellness upgrades
Can I Get Coverage with a Pre-Existing Condition?
It depends on the insurer. Some may:
- Exclude that condition from coverage
- Charge a higher premium
- Offer limited benefits related to it
The key is to apply before anything becomes serious. Some insurers are more flexible than others — and a good broker can help you find the right one.
How Much Does It Cost?
Prices depend on age, location, coverage level, and optional add-ons.
| Age | Monthly Premium (USD)* |
| 30 | $150–$300 |
| 45 | $250–$400 |
| 60 | $350–$600 |
*These are general estimates for comprehensive coverage (worldwide excl. U.S.). Lower-cost regional plans may be available.
Common Mistakes to Avoid
- Relying on travel insurance when living abroad
- Choosing a plan with no outpatient coverage
- Skipping direct billing access (means you pay and claim later)
- Not understanding the fine print (especially for maternity or mental health)
- Waiting until you’re sick to apply
Not Sure Where to Start?
That’s what we’re here for. As brokers, we help you compare plans from top global insurers and explain exactly what you’re getting (and what you’re not).
No hard sells. No jargon. Just real support for life abroad.
Need more help? Explore:
You don’t have to figure this out alone.