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Home > International Plans > Global Health Insurance > Top 10 Global Medical Insurance Providers

Top 10 International Health Insurance Companies

2022’s Best Global Health Insurance Providers

best international insurance companies

When you are 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?

This guide ranks the top 10 global insurers based on a number of key factors. It also identifies which plans are best for certain specific 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 medical insurance plans for even more detailed information.

While this guide will help you narrow 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 comprehensive 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 from almost any country living abroad for a year or longer.

Rank Insurance Carrier Best For
#1 Cigna Global Expats who want an extensive network and highly customizable benefits Free Quote
#2 GeoBlue Xplorer U.S. citizens moving abroad and people moving to the USA Free Quote
#3 William Russell People who want a personal touch and do not need extensive USA coverage Free Quote
#4 IMG Global Medical Insurance Customers who need a wide array of options at a budget-friendly price Free Quote
#5 Now Health International People who want an economical plan with simple options and little or no USA coverage Free Quote
#6 Integra Global Expats seeking a bespoke plan tailored to their needs Free Quote
#7 Allianz International Medical Insurance People who want the backing of one of the largest companies in the world Free Quote
#8 AXA Global Healthcare People who want a large global company with staff around the world Free Quote
#9 AIA Group Expats moving to countries in Asia such as China and Singapore Free Quote
#10 Bupa Global Citizens of select countries that want the reassurance of the Bupa brand Free Quote
  • #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 William Russell

    Best for people who want a personal touch and do not need extensive USA coverage
    Get a Free Quote

  • #4 IMG Global Medical Insurance

    Best for customers who need a wide array of options at a budget-friendly price
    Get a Free Quote

  • #5 Now Health International

    Best for people who want an economical plan with simple options and little or no USA coverage
    Get a Free Quote

  • #6 Integra Global Health Insurance

    Best for expats seeking a bespoke plan tailored to their needs
    Get a Free Quote

  • #7 Allianz International Medical Insurance

    For people who want the backing of one of the largest companies in the world
    Get a Free Quote

  • #8 AXA Global Healthcare

    For people who want a large global company with a global team
    Get a Free Quote

  • #9 AIA Group

    For expats moving to countries in Asia, such as China and Singapore
    Get a Free Quote

  • #10 Bupa Global

    For citizens of select countries that want the reassurance of the Bupa brand
    Get a Free Quote

The above companies have been ranked using the following criteria:

  • 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

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.

Cigna Global Health Insurance Plan

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 remains to be 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 so you can 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 further 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
  • Access to Cigna Global's network of trusted hospitals, clinics, and doctors

Interested in learning more about Cigna?

Get a FREE Cigna quote today and start building your plan!

Get a Free Quote
Blue Cross Voyager FAQs

Best Health Plan for US Citizens Abroad, Premium

GeoBlue’s Xplorer plan is ideal health insurance for U.S. citizens living overseas and health insurance for foreigners in the USA. GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and offers both short-term travel medical and long-term insurance plans worldwide.

Get your free GeoBlue quote today!

The GeoBlue Xplorer plan is a premium option available to both US citizens living overseas and expats living in the USA. Their extensive network, the ease of filing a claim and excellent telehealth services all brought them to number two on this list, despite their geographic limitations. Members agree that GeoBlue’s premium plans are worth the extra money when you get sick or injured because of their comprehensive coverage and helpful staff. GeoBlue has an A- rating from A.M. Best.

If you thoroughly compare the benefits, the premium level options from GeoBlue have competitive prices that outmatch the policies offered by the competition with similarly high levels of cover.

Xplorer Plan Highlights

  • Unlimited medical maximum
  • The most comprehensive benefits in the industry
  • Members are not required to pay a deductible for standard services such as office visits, preventative care, and outpatient prescriptions

Interested in learning more about GeoBlue?

Get a FREE GeoBlue quote today and start building your plan!

Get a Free Quote
william russell stacked logo 2

Best Policies for Expats in Asia

William Russell has been in the healthcare business for 30 years, specializing in providing members with private insurance benefits in 160 countries. Whether you are an individual, a family, or an individual planning a family, you can find the right plan with William Russell medical insurance.

The company offers four plan tiers, each one built around your specific needs. They have excellent benefits, including top-notch coverage for cancer care and extensive preventive care coverage. Their rates can be customized via the deductible you choose and your selected area of coverage. (Plans do not include USA coverage, but limited U.S. coverage for trips up to 90 days can be added.) Their highly personalized service and 24/7 customer service that earned them the third spot on this list. William Russell has an A+ rating from A.M. Best.

Get your free William Russell quote today!

William Russell's four plan levels, Gold, Silver, SilverLite, and Bronze provide members with comprehensive medical coverage, excellent benefits, and a high level of service.

William Russell Highlights

  • Each plan level gives full cover for inpatient and most tiers have no limit on outpatient treatment.
  • Full cancer coverage, including $6,000 for cancer genome treatment.
  • All plans offer Medevac Basic, with the option to add on Medevac Plus coverage.

Interested in learning more about William Russell?

Get a FREE William Russell quote today and start building your plan!

Get a Free Quote
International Medical Group (IMG)

Best Global Medical Insurance for People on a Budget

International Medical Group (IMG) offers the widest range of products among international health insurance companies, from trip cancellation to their long-term international medical plan IMG Global Medical. For more than 20 years, IMG has provided international medical insurance, travel insurance, and affordable coverage to clients worldwide. IMG currently insures people in more than 170 countries globally.

IMG earned the fourth spot on this list due to its wide array of plans, excellent preventative care coverage and pricing options that allow you to fine-tune your premium cost. They also offer add-on coverage for a global term life insurance, terrorism, sports and more. IMG has an A- rating from A.M. Best.

Get your free IMG quote today!

IMG Plan Highlights

  • Four plan options and additional optional modules
  • Choice of coverage areas to reflect your geographical area of need
  • Freedom to choose your health care provider wherever you are in the world

Interested in learning more about IMG?

Get a FREE IMG quote today and start building your plan!

Get a Free Quote

Additional Leading Global Health Insurers

Now Health International

Now Health International provides quality medical coverage worldwide that foreigners living abroad can easily access. One of the company’s best health insurance for international clients is the Now Health WorldCare Plan which provides comprehensive benefits, including cover for expats in the USA. A more affordable option is their SimpleCare plan. SimpleCare is perfect for expatriates seeking extensive medical coverage that fits their budget. Now Health International has an A+ rating from A.M. Best.
Get your free Now Health quote today!

Integra Global Health Insurance

Integra Global, based in the UK, has service offices strategically placed worldwide including several countries in Europe, North America, and Asia. The company specializes in providing health plans to individuals, corporations, and organizations with unique protection needs, such as expatriates, marine professionals, jet setters, and people with specialized risks. It aims to develop unique international health insurance options that offer outstanding protection, excellent value, and hands-on unbeatable personal service. Integra Global has earned an A rating from A.M. Best.
Get your free Integra Global quote today!

Allianz International Medical Insurance

One of the biggest insurance providers in the world is Allianz. It is a German company under the management of Allianz Worldwide Partners and is part of the Allianz Group. The company is known for its global network and for providing businesses with international medical insurance for employees. Allianz Group has an A+ rating from A.M. Best.

AXA Global Healthcare

AXA offers its customers superb international cover, which provides access to private healthcare whenever they need it. Their plans work well for expatriates living and working in another country or in multiple countries. AXA also offers short-term international insurance coverage for those who do not plan on being overseas for a long time. A.M. Best has given AXA Global an A+ rating.

AIA Group

AIA has a strong presence in Asia, Australia and New Zealand. In addition to international health insurance, they also offer retirement insurance, life insurance and accident protection, which makes them a one-stop solution for many expats. A.M. Best rates AIA Group divisions separately depending on the nation they are operating in.

Bupa Global

Bupa Global has been in business for over 65 years, specializing and dedicating its resources to providing the best global health policies. Their global team of advisers and health experts speak multiple languages, which helps in providing service that exceeds expectations. They offer coverage in the U.K. and select European countries. A.M. Best has given Bupa Global a B++ rating.

Interested in learning more?

Get a FREE quote today and start building your plan!

Get a Free Quote
Best International Health Insurance Companies

How to Compare the Best Global Insurance Companies

There are many resources online to help you make your decision before purchasing the best international insurance for you.

Choose the right insurance company for you based on six key factors: rating, cost, eligibility, coverage area, medical benefits, and healthcare network. Each international insurance company offers standard benefits, but some offer a bit more than others at a great price.

To further help you with your research, we have created a comparison table depicting four of the top international insurance providers, Cigna, GeoBlue, William Russell and IMG.

You can also request a free quote, which will allow you to compare several plans tailored to your specific needs.

Insurer Rating

The A.M. Best ratings of the providers give you an indication of the financial stability of each insurer.

Coverage Area

Most international insurance companies offer worldwide coverage including the US and excluding the US.

Plan Cost

Some international insurance companies charge more for their plans than others because they have more to offer.

Medical Benefits

Most international insurance companies provide great standard and optional medical benefits for their customers.

Eligibility

Some international insurance companies have age limits, coverage area restrictions, and pre-existing conditions limitations.

Healthcare Network

Each international insurance company has a different medical network full of fantastic doctors and exceptional hospitals.

Review and Compare your Options: Compare Health Insurance

Learn more about International Health Insurance for comprehensive annual cover.

Best International Health Insurance Companies FAQs

Does your health insurance cover you internationally?

Most domestic health insurance policies do not cover you outside of your home country. If you plan on traveling or moving abroad, you need the best international medical insurance to cover you in case you become ill or are injured.

Who are the top 5 health insurance companies?

The top five international insurance companies are:

  1. Cigna Global
  2. GeoBlue Global Medical
  3. William Russell
  4. International Medical Group
  5. Now Health International

Who is the largest international health insurance company in the world?

The largest international health insurance company in the world is Cigna International. Cigna covers over 86 million customers in over 200 different countries. Their international healthcare network is made up of 1.65 million hospitals and healthcare professionals across the world.

Specialty Travel Insurance Companies

The difference between international health insurance and travel medical insurance is the length of coverage provided and the level of benefits included in the policies.

Even if you have private medical insurance from your home country, it most likely will not be accepted abroad when you get hospitalized due to an accident or illness. Even if it does, it will probably be insufficient to cover all the medical costs for your recovery.

If you are traveling out of the country on a shorter trip, travel insurance is a necessity. Read our guide to the best travel insurance companies and get the best plan for you.

Get the Best Plan With the Help of International Citizens Insurance

Our mission is to educate you about the value of global medical, life, and travel insurance. By providing reliable and well-researched resources, you can easily select, compare, and study the plans offered by trusted insurance providers. With this information, you can be assured that you're safe and secure when you travel or relocate overseas.

You can find the very best global health insurance, international life insurance, travel medical insurance, international group plans, and trip cancellation insurance policies here. As always, please review the policy’s terms carefully and discuss them with us so we can guide you through the application process.

If you want help choosing the best international health insurance plan for you, request a quote and we will help you find the best plan to suit your needs.

Interested in learning more?

Get a FREE quote today and start building your plan!

Get a Free Quote

More to Read:

Overseas Medical Insurance

Overseas Health Insurance Coverage

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Review Best International Health Insurance Companies

Compare Global Health Insurance Plans

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International Health Insurance Plans

International Health Insurance Plans

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Written by Joe Cronin, the Founder and President of International Citizens Insurance. Mr. Cronin is an authority in the areas of global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce . Follow him @Joe_Cronin_Jr 

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