Finding The Top Global Health Insurance Providers
Finding an international health insurance plan should be at the top of your list of priorities when planning your move abroad. Surprisingly, there are some excellent options from which to choose. And many of these health insurance plans are very affordable, especially when compared to health insurance plans in the US. But which international health insurance companies are the best?
Researching International Medical Insurance Companies
The place to start is online. There are many resources to help you make your decision.
- Learn more about International Health Insurance
- Review and Compare your Options: Compare Health Insurance Plans
- Learn about options to cover you for one year or less: Travel Medical Insurance.
Please contact us for guidance on choosing the best health insurance company and the right plan for your individual or group insurance needs. Use the form to the right or submit a quote request online.
What are the Leading Global Health Insurance Companies
Below is a comprehensive list of international insurance companies that offer the best in service, benefits, coverage, and rates. As always, review the terms of the policy carefully and discuss with an international insurance broker who can help guide you through the process.
Top Three International Medical Insurers
Cigna Global Insurance was one of the first companies to offer expatriate or global insurance plans and they remain a leading international provider. Free Cigna Quote / Apply. Cigna Global is an excellent option for most internationals living abroad with comprehensive coverage in almost any country.
- The flexibility to tailor a plan to suit your individual needs
- Access to Cigna Global’s network of trusted hospitals, clinics, and doctors
- The convenience and confidence of 24/7/365 customer service
Aetna International – With more than 160 years of experience in healthcare, Aetna has specialized in international benefits insurance for more than 55 years – with a growing global footprint to reach wherever you travel. They have been recognized with such prestigious awards as “Best International Private Health Insurance Provider” and “Health Insurer of the Year.” Free Aetna Quote / Apply. Aetna is a global brand and offers reasonable rates alongside excellent benefits and service.
- Fortune 100 company with more than 800,000 expatriate members worldwide
- Access to Annual Health Exams & Medications
- Talk to global member support 24/7/365
GeoBlue Global Medical – Designed for US citizens abroad or Internationals Residing in the USA. GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical plans as well as long-term international plans. Blue Cross Blue Shield is a federation of 50 independent health insurance providers in the United States. GeoBlue is a trading name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association. GeoBlue Quote / Apply Links
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
Additional Specialty International Health Insurance Companies
Now Health International offers quality medical insurance for internationals living abroad throughout the world. Their Now Health WorldCare Plan offers comprehensive benefits, including cover in the USA, for the discerning client. A more affordable option, as USA cover is excluded, is their SimpleCare Plan.
Premier Health, administered by PA Group, is a well recommended international provider focused on providing high-quality global coverage throughout the world. Plans offer residents full coverage in their home country (excluding the USA) and worldwide year-round. Free Premier Health Quote / Apply
International Medical Group – IMG offers the widest range of products, from trip cancellation to long-term international medical plans (IMG Global Medical). For more than 20 years, IMG has provided international medical insurance, travel insurance, and affordable coverage to the international community insuring clients in more than 170 countries worldwide. Free IMG Quote / Apply
IntegraGlobal, a U.K. company that has service offices strategically placed worldwide in Europe, North America, and Asia, specializing in providing health plans to organizations and individuals with unique protection needs, such as expatriates, marine professionals, and specialized risks. IntegraGlobal’s goal is to develop unique international health plans that offer you outstanding protection, excellent value, and hands-on unbeatable personal service. Integra: Integra Quote / Apply Links
Allianz – One of the biggest insurance providers in the world, Allianz is a Germany company. Allianz Worldwide is the international division of Allianz Worldwide Partners and part of the Allianz Group. The company is well known for its international reach, and for providing international health insurance for employees. Free Quote / Apply
BUPA International Plan – Offers over 65 years of expertise and dedication to health. They have a global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make Bupa Global different. Explore how we provide you with world-class cover and stand apart from the rest. Free BUPA Quote / Apply
Review plans available for long term life abroad or short term travel:
- Learn about options to cover you for one year or less: Travel Medical Insurance Plans.
How to Compare the Best Global Insurance Companies
You are in luck! We have created a simple comparison and reviews of international insurance plans for your research. We include 3 of the top insurance companies to keep it simple. You can compare other companies against these three to ensure they are compared on the same terms. The other considerations are the AM Best ratings of the providers.
Review and Compare your Options: Compare Global Health Insurance Plans
The companies listed in our comparison all have A or A- ratings from AM Best. You can do a search here: AM Best Rating Search.
Groups: We offer a wide range of International Group Plans for employees, non-profits, and organizations.
Health Insurers and Insurance Carrier Ratings
In recent years, market instability has made headlines and created financial uncertainty even among the largest companies. So the question arises, how do you know which plans are more financially stable than others?
Dating back to the early 1900s, independent rating agencies were established to evaluate the worthiness of financial instruments of railroad companies. Over the years, multiple rating agencies have developed a more extensive rating standard across various industries. Today, the leading rating agencies include Standard and Poor’s and AM Best.
Typically, these rating agencies use an alphabetical standard to identify which companies have extremely strong financial strength:
- AM Best uses a scale from A++ (Superior) down to F (Liquidation); According to AM Best, a company with a B+ (Good) or higher rating is classified as financially secure, while any lower rating is categorized as vulnerable.
- Standard and Poor’s uses a scale from AAA (Extremely Strong) down to CC (Extremely Weak); Standard & Poor’s requires that “all health care insurers in the secure range are expected to maintain at least ‘BBB’ level.”
This rating index is especially important as it will help ensure that your plan will have sufficient funds to pay any claims that you may incur. One of the most important functions of this system is that it also allows you can compare other insurance plans based on industry standards from independent agencies.