The thought of settling abroad is very exciting but at the same time, it is very crazy to think about it. You need to shift everything of yours from one place to another, to make a comfortable environment for your family in another country, finding accommodations, setting all the housing aspects, relocation of all belongings, and very important finding the best insurance health plan.
If you are already researching about the top health insurance companies in world then you must be knowing that finding some Best International Health insurance companies is such a task and when you know the best health insurance companies in world you got to compare them with each other to find the best out of them. Going to different websites, noting every information and comparing them becomes quite difficult so to make your work easy we have provided some beneficial information for you. Which will not only help you find the best health insurance company in world but also will help you with a lot more aspects of the same.
List of Health Insurance Companies in World
Like so many insurance companies are there around the world but we have managed to list out some of the Best International Health insurance companies in 2021 that are present all over the world. A list of health insurance companies in world are listed below:
- Foyer Group
- Generali Global Assistance
- Allianz Worldwide
- Aetna International
- Bupa Global
- Expacare Global Healthcare
These are the top 10 health insurance companies in world on which you can rely if you want to buy an international health insurance plan.
Top 10 International Health Insurance Companies- Overview
|S.no||Company Name||Famous Plans|
|1||IMG||Global Medical InsuranceGlobal Mission Medical Insurance Global Crew Medical Insurance|
|2||Foryar Group||ProtectEU health|
|3||AXA||FoundationComprehensionPrestige Prestige plus Standard|
|4||Generali Global Assistance||SelectClassic Premier|
|7||Aetna International||MHP Classic Plan MHP Exclusive plan Aetna Pioneer Plans|
|8||Bupa Global||Major medical health planSelect health plan premier health planElite global health plan|
|9||GeoBlue||GeoBlue XplorerBlue cross Blue Shield ExpatBlue cross Blue Shield Global Traveler|
|10||Expacare Global Healthcare||Individual and family health insurance plans international students health insurance plansGroup and company health insurance plans|
Let’s see some details of these top health insurance companies in world:
IMG (International Medical Group)
IMG is one of the Largest health insurance companies of 2021 which provides the best health insurance plans to its customers. This is one of the top health insurance companies in world which focuses on international health plans as well as travel health insurance not only for individuals but also for families and companies. This one of the Best International Health insurance companies in 2021 have several health plans but the most popular three plans of this company are:
- Global Medical Insurance
- Global Mission Medical Insurance
- Global Crew Medical Insurance
Foyer Group is one of the Largest health insurance companies of 2021 and also is a leading international health insurance company. The headquarters of one of the top health insurance companies in world is in Luxembourg. This one of the best health insurance companies in world provides Comprehensive plans for expats worldwide using their brand Foyer Global Health. This one of the best international health insurance companies in 2021 has specialization in providing a vast range of health insurance coverage plans for ex-pats, foreign workers, students, families and individuals too.
AXA is one of the options present in the list of health insurance companies in world and not just this but is also one of the Top 10 health insurance companies in world. The headquarters of one of the top health insurance companies in world are in France. AXA is one of the leading companies providing health insurance around the world. One of the best health insurance companies in world offers insurance policies of five different types which are:
- Prestige plus
Generali Global Assistance
Generali Global is one of the top 10 health insurance companies in world as it is a part of Europe Assistance. One of the Best International Health insurance companies in 2021 was founded back in 1831. This one of the largest health insurance companies of 2021 aims largely at health insurance for businesses that have globally mobile employees and global employees groups.
This one of the best health insurance companies in world has three different core plans available for their customers, these are:
This one of the top health insurance companies in world also has three outpatient options which are additional.
Cigna is not just one of the top 10 health insurance companies in world but also the earliest insurance company which was founded back in 1792. This one of the Best International Health insurance companies in 2021 provides different levels of health insurance to the customers and these levels are; Silver, Gold, and Platinum.
Cigna provides group health insurance coverage as well as other insurance coverage in different parts of the world like Europe, Asia, North America, etc.
Allianz Worldwide is one of the largest health insurance companies in world as it is extremely experienced, capable, and well-known for its great services. One of the best health insurance companies in world provides different coverage plans such as Essential, Classic, and Premier. Not only this, but this is one of the best health insurance companies in world that also provides additional services like dental coverage and maternity.
This one of the top 10 health insurance companies in world operates all over the world and is primarily established in Europe, Asia, Australia, Middle East, America and Africa.
This insurance company is another one of the Best International Health insurance companies in 2021.
Aetna International is the International substitute company of the US-based company ‘Fortune 100’ which is said to have 160 years of experience. This one of the best health insurance companies in world has different plans for both US-based populations and for populations that are from outside the US, such as MHP Classic Plan and MHP Exclusive plan for people in the US who are moving abroad whereas Aetna Pioneer Plans for people who are outside of the US.
Bupa Global is present on the list of health insurance companies in world because it operates worldwide as the name also suggests. This one of the top health insurance companies in world has its headquarters in the UK and have other bases of operations too in Australia, Latin American countries, etc.
This company also has a partner company which is GeoBlue which offers health insurance plans to the people of the US who are moving abroad or to the people moving to the US from other countries.
Another one of the top 10 health insurance companies in world is GeoBlue. As we already know that this company is a partner company of Bupa Global. This one of the largest health insurance companies of 2021 offers health insurance plans on the companies sending their employees overseas regarding work and also to the individual travelers.
This one of the best health insurance companies in world has five different levels of insurance plans which can be chosen by the customer itself. From all the five plans GeoBlue Xplorer is one the most popular health insurance plans.
Expacare Global Healthcare
Expacare Global Healthcare is a well-known international company for its services. This one of the Top 10 health insurance companies in world has experience of more than 35 years. This one of the Largest health insurance companies in 2021 offers insurance plans underwritten by the insurers within Lloyd’s of London.
The insurance plans provided by this one of the top health insurance companies in world are best suited for ex-pats who are interested in living in any state of the EU. This one of the best health insurance companies in 2021 provides policies that are personalized.
Which company should I choose?
As now you know about all the top 10 health insurance companies in world, choosing a health insurance company depends on your preference, nationality, geographic location which means the place where you are moving to, and also the parameters which you have decided for a health insurance company. Health insurance is not something that you take by getting under influence or in any kind of peer pressure, etc., because this is a very important decision of your life that can lead to life and death in the worst-case scenario.
Some of the important points to keep in mind before choosing any policy for yourself:
- Do your personal research, no matter how much advice you get it is important to do your research about the company you want to consider for choosing a health insurance.
- Read reviews of the company you are interested in.
- Read each policy very carefully and accurately so that you do not miss even the smallest of details.
- Get proper information about the company’s claim procedure before getting involved with any of the best health insurance companies in world.
Do keep these points in mind before choosing any company or any health insurance plan from any company.
How is the working of International Health Insurance?
International Health Insurance works just like the health insurance works in your own country which means you choose a company out of many for your health insurance, after which you choose a plan according to your preference and requirement and then you pay for the same plan monthly or annually.
It works like a subscription that you buy for your TV, etc. After this, if you get hospitalized because of any health condition, the insurance company will pay some part of the bill, and can also pay the whole bill including medicines.
The only difference is that international health insurance will help you in medical conditions even when you’re abroad, which local health insurance is unable to do. The best international health insurance companies in 2021 provide medical assistance to the customer even when it is out of the country.
How to choose the best international health insurance plan?
When you are looking for health insurance you must have some preferences and requirements that you want in your health insurance. Start searching for the companies and look for the points that you want, if the list of requirements matches with what the insurance company has to offer, in that case, you found your match.
How can one purchase an international health insurance plan?
You can easily buy an international health insurance plan through online mode. All you have to do is to go to the official website of the company you are interested in buying health insurance. You will find all the necessary information on the website of the company and it will be an easy process, it is not very difficult. After purchasing international health insurance do save any insurance certificate, any ID number, or any insurance card that you receive after buying the insurance plan. Also, save the emergency contact numbers and email ids for the future, in case you need to reach them.
What is the cost of health insurance for an expat?
There is no set price for the health insurance plan for an ex-pat. It can cost anywhere from $150 per month up to $ 1000 or more per month. The cost of a health insurance plan depends on some of the factors given below:
- The Age of the candidate is one of the important factors for the cost of the health insurance companies as some of the companies have some age criteria.
- The cost of health insurance also depends on the amount of coverage. The more the coverage is, the more will be the cost of the premium.
- Another factor affecting the cost of health insurance is the number of people included in the policy. More the people included, more will be the price.
- The next point is the deductible, it is the amount that you pay before the company steps in, the more will be the deductible, the less will be the premiums.
- The area of coverage is the next factor responsible for the cost of health insurance. Many companies will cost you higher if you wish for a cover in the US.
- Method of payment is also responsible for the cost of health insurance.
- Your medical history will also influence the cost of health insurance. If you have any pre-existing medical condition, your policy will cost you higher.
How to make a health insurance claim?
Making a health insurance claim is not very difficult, any good company will provide you with assistance anytime 24\7. That is how they become the best health insurance companies in 2021. Every company has a different procedure for processing the claim and they provide every information while you purchase an insurance plan. So you need to have proper knowledge of the health insurance claim before you buy any health insurance.
All you need to have is proof of medical assistance such as a doctor’s prescription, hospital bills, receipts from the pharmacy, etc. So make sure that you save these essential things.
Frequently Asked Questions
Q1. Is the International health insurance plan applicable all over the world?
Ans. You need to check this before you buy health insurance from any international company, as every company has different criteria.
Q2. Can I buy international health insurance online?
Ans. Yes, you can easily buy International health insurance online by going to the official website of the company you are interested in.
Q3. What are the other factors that should be considered before buying health insurance internationally?
Ans. The other factors are:
- How will you pay the cost and premiums of the policy?
- The coverage limit of the policy.
- The deductibility of the policy.
- The exclusions of the policy.
- The coverage areas of the policy, etc.
Q4. What are the different add-ons for the health insurance policies?
Ans. The add-ons are different for different policies, but some of them are common, which are given below:
- Dental care
- Mental care
- Visionary care
- Terrorism coverage
- Additional medicine, etc.
Q5. What are the basic items covered by the policies of health insurance?
Ans. The basic items covered are:
- The facility of hospitalization and intensive care.
- They cover anaesthesia and surgery.
- Lab testing.
- Emergency room facilities
- Prescribed medicines, etc.
Q6. What are the main features of a good insurance policy?
Ans. The main features of a good health insurance policy are:
- Wellness benefits
- Medical checkup facility
- Maternity coverage
- Claim settlement ratio
- C0-payment required
- Waiting period
Q7. Which health insurance company is the best for international students?
Ans. The best health insurance company for international students are:
- Expacare Global Healthcare