Do you want to know how much a great expat health insurance plan would cost you?
Start by selecting a reputable insurer brand. Below, we present options from a great mid-tier health insurer that offers five levels of coverage, each providing excellent value for money.
These plans range from basic, cost-effective options to comprehensive coverage for those seeking more extensive protection.
To get an idea of your individual price, take a look at the table.
Depending on which country you are living in, you could qualify for even further discounts! Use our calculator tool below to get an estimate of your individual price.
Individual Pricing
| Age | Emerald Plan US$ | Sapphire Plan US$ | Ruby Plan US$ |
| 35 | $1,549 | $2,140 | $2,662 |
| 45 | $2,055 | $2,838 | $3,507 |
| 55 | $3,003 | $4,149 | $4,866 |
| 65 | $5,074 | $7,188 | $8,292 |
If you are an expat looking for great family coverage we have good news. Families of 3 or more qualify for a 10% discount. For an idea of family pricing look at the table below
Family Pricing
| Age | Emerald Plan US$ | Sapphire Plan US$ | Ruby Plan US$ |
| 40 | $1,619 | $2,237 | $2,740 |
| 38 | $1,394 | $1,926 | $2,396 |
| 5 | $615 | $849 | $1,103 |
| 3 | $615 | $849 | $1,103 |
| Family Total: $4,243 | Family Total: $5,861 | Family Total: $7,342 |
International medical insurance is a must for anyone who’s constantly traveling, living in different countries, or working overseas. It ensures you’re covered for unexpected medical expenses, so you can access quality care wherever you are.
Navigating foreign healthcare systems can be tricky, but this insurance makes it easier by connecting you to a global network of providers. It’s more than just coverage—it’s the peace of mind knowing that, no matter where you go, you’re protected against the financial impact of medical emergencies.
Expat Insurance Rate Calculator
All prices in USD. The information included in this page is only intended to be a general reference and cannot be guaranteed
to be error-free. Please consult with Expat Health Group for a personalized quote. We are not responsible for any discrepancies or errors in the information shown, nor for any decisions made based on this tool. Use at your own risk.
To request a pdf copy of the insurers table of benefits please request a quote.
Emerald Detailed TOB
| Plan | Emerald |
| Annual Policy Maximum | $1,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | $50,000 |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | Maximum 100 days per lifetime membership |
| Hospital accommodation for accompanying parent of insured child | $160 per night up to $800 per year |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Not Covered |
| Home nursing care following discharge from hospital | |
| Hospital cash per night for non-paying patient (max 30 days per disability) | |
| Accidental dental treatment | $8,000 |
| Chronic medical conditions | $10,000 |
| Congenital conditions | Not Covered |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | $100,000 |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $500 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $1,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | Not Covered |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | |
| Alternative medicine | |
| Emergency room accident & emergency services | $1,000 |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | Not Covered |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | Not Covered |
| Newborn cover – (non-routine care for 30 days after birth) | |
| 2. DENTAL | |
| Routine dental treatment | Not Covered |
| Restorative dental treatment | |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | Not Covered |
Sapphire Detailed TOB
| Plan | Sapphire |
| Annual Policy Maximum | $2,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $50,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $150 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $30,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | Not Covered |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $1,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | Not Covered |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | |
| Alternative medicine | |
| Emergency room accident & emergency services | In Full |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | Not Covered |
| Newborn cover – (non-routine care for 30 days after birth) | |
| 2. DENTAL | |
| Routine dental treatment | Not Covered |
| Restorative dental treatment | |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | Not Covered |
Ruby Detailed TOB
| Plan | Ruby |
| Annual Policy Maximum | $3,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | $5,000 |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $75,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $150 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | Not Covered |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $3,500 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | |
| Out-patient psychiatric treatment – after 10 months of coverage | |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | Not Covered |
| Alternative medicine | $500 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $7,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $30,000 |
| 2. DENTAL | |
| Routine dental treatment | $800 (20% Co-pay) |
| Restorative dental treatment | $1,500 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $200 |
Jade Detailed TOB
| Plan | Jade |
| Annual Policy Maximum | $5,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $100,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $200 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $50,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $10,000 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $4,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | $1,500 |
| Prescribed physiotherapy, speech & oculomotor therapy | $1,500 |
| Accidental dental treatment | $1,000 |
| Alternative medicine | $1,000 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | $500 |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $7,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $30,000 |
| 2. DENTAL | |
| Routine dental treatment | $800 (20% Co-pay) |
| Restorative dental treatment | $1,500 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $250 |
Diamond Detailed TOB
| Plan | Diamond |
| Annual Policy Maximum | $8,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | In Full |
| Home nursing care following discharge from hospital | $15,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $300 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $75,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | In Full |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | In Full |
| Out-patient psychiatric treatment – after 10 months of coverage | $2,000 |
| Prescribed physiotherapy, speech & oculomotor therapy | $2,000 |
| Accidental dental treatment | $1,500 |
| Alternative medicine | $2,000 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | $750 |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $10,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $50,000 |
| 2. DENTAL | |
| Routine dental treatment | $1,000 (20% Co-pay) |
| Restorative dental treatment | $2,000 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $300 |