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Local vs International Health Insurance

Our advisors work with a number of plans that can provide a wide variety of coverage options. Not only can we work with local onshore health insurance plans but we can also offer expatriates international health insurance plans which typically offer superior coverage, benefits and services.

International Health Insurance plans will typically offer a number of advantages that are unavailable in most local health insurance plans. This primarily includes the ability to cover your medical expenses internationally, rather than just in the country in which you took out the policy. International health plans are also typically globally portable and guaranteed renewable, meaning that you can take it with you when you move from city to city and country to country without any break in coverage and as long as you pay the premium you can keep the policy for as long as you like. The continuous global coverage offered by an international health insurance plan can be of immense benefit to internationally mobile expatriates who may need to relocate every few years, or those whose jobs require them to frequently travel to far flung locations.

While premiums for international health insurance are typically higher than a local health plan, international plans are usually community-rated while local health insurance plans are generally experience-rated. This means that local plans will raise your premium based on medical inflation and the claims made in the previous year, which makes years with unexpected health problems doubly painful when renewal time comes around. International health insurance plans on the other hand will base premium increases off of medical inflation and the average amount it cost to insure people in your age bracket.

International Health Insurance Quotes

Our expert advisers work with many of the world’s leading international insurance companies, meaning that we can offer you unbiased advice on which plan from any of the insurers we work with will provide you the best benefits for your personal needs.

If you would like to learn more about your international health insurance options, our advisers would be more than happy to assist you with free quotes and advice. Please fill in the short quote form at the top of the page or click Contact Us to have one of our advisers get in touch with you whenever is most convenient.

          Questions and Answers from Visitors

          1. Bill Volenecz:

            Hi ,
            My Family ( wife and two children) and I are temporarily living in China. They all go to school and I work in Africa ( Uganda + DRC). I work two months at a time approximately and return for two months. I am looking for a quote on insurance that covers us all and is portable should we move away although our plan is to stay here for at least another year +. I am 52 aug 13/60 , my wife is 50 april 30/62 and my son is 13 June 8,1999 and my daughter is 10 June 5,2002. Please could you send information to the e mail address. I am leaving shortly to go on tour again.
            Thank you


            1. Mauricio:

              We currently work with many international insurers that can provide you with coverage in China and Africa. Allianz, AXA PPP, BUPA, Interglobal, NOW Health and William Russell are just a few of the companies that can provide you with health insurance for yourself and your family.

              Most of the insurance companies we work with can offer portable plans. An international medical insurance policy is especially made for expats living abroad, and they are tailored to fit the expat’s needs. Nowadays it is more common to work in different countries during a life span, and the insurance companies that we work with can especially cater the needs for expats working in different countries.

              Depending on your needs and situation, we can advise on the benefits and different plans. Since you are going to Africa we would always recommend an insurance policy which provide you with medical evacuation. And since you have children, it is also important to find a plan which can provide you with outpatient benefits and annual health checks.


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