Compare International Health Insurance Quotes from the leading providers

Aviva Business Health Insurance

Aviva

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Originally Norwich Union, Aviva are regarded as being the largest overall insurer in the UK and are an award winning…

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AXA Business Health Insurance

AXA Health

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AXA PPP Healthcare have been in the market since 1940 and are one of the leading choices for many customers.…

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Bupa

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Vitality Business Health Insurance

Vitality Health

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Rebranded in 2014 they were originally Pru Health. Vitality set itself apart with a unique health rewards scheme which is…

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WPA Business Health Insurance

WPA

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WPA is a non-profit organisation which means money can be reinvested into the business to create a better customer experience.…

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International Health Insurance Comparison

Why consider International health insurance?

  • Get full medical cover whilst living abroad
  • Access top private hospitals and specialists globally
  • Gives peace of mind for serious illnesses or chronic conditions
  • Get cover for evacuation and repatriation
  • Protect your family while overseas
  • It gives continuity of care when you move countries
  • Get 24/7 medical support and claims assistance
  • Optional extras such as dental and maternity give flexibility

International Health Insurance at a glance

International Health Insurance

International Health Insurance, or Global Health Insurance as it’s sometimes called, is designed for people who are living, working, or relocating abroad for the long term.
Unlike standard travel insurance, which is short term and covers emergencies only, International Health Insurance provides full medical protection including hospital stays, outpatient care, routine treatment, and more.

✅ Covers you for illness, injury, and ongoing treatment abroad, not just emergencies
✅ Plans are portable, so your cover continues even if you move to another country
✅ Most plans include inpatient and outpatient care, cancer treatment, telemedicine, mental health, and medical evacuation
✅ Premiums vary depending on your age, location, level of cover, and optional extras

How much does it cost?
As a guide, International Health Insurance for one healthy adult usually starts from around £70 to £120 per month, depending on your location and level of cover. See below for other factors that can affect premiums.

Use our comparison tool to get bespoke quotes from the world’s leading international health insurers.

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Do I Need International Health Insurance If I Have a GHIC or EHIC?

A Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) can help with emergency treatment when visiting the EU, but it will not cover you for:

  • Private healthcare
  • Routine or ongoing medical treatment
  • Medical evacuation or repatriation
  • Care outside the EU

If you’re moving abroad permanently, working overseas, or staying long term, you’ll need international health insurance to protect yourself properly.

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International Health Insurance - Whats Covered?

Usually as standard

  • Inpatient and hospital treatment for illness or injury
  • Outpatient consultations, scans, and diagnostic tests
  • Cancer treatment including chemotherapy and radiotherapy
  • Emergency medical evacuation and repatriation back to the UK if needed
  • Cover for ongoing and chronic conditions
  • Virtual GP or telemedicine services for quick medical advice
  • 24/7 multilingual medical assistance and claims support
  • Second medical opinion service for reassurance on diagnoses or treatment

Optional

  • Dental and optical care
  • Maternity and newborn cover
  • Routine health checks and vaccinations
  • Mental health and wellbeing support
  • Physiotherapy, rehabilitation, or complementary therapies
  • Cover including or excluding the USA (to manage costs)
  • Wellness and preventive care benefits

Exclusions

  • Pre-existing conditions not declared or accepted by the insurer
  • Cosmetic or elective surgery
  • Fertility and infertility treatments
  • Routine pregnancy and childbirth (unless maternity cover is added)
  • Treatment arising from high-risk or extreme sports
  • Long-term care or custodial nursing
  • HIV/AIDS treatment unless specified
  • Claims made during waiting periods or outside your area of cover

Comparing International Health Insurance: Who Are the Top Providers?

Provider Customer Rating Typical Cover Key USPs
Bupa Global ★★★★½
4.5/5 (Trustpilot) 		Inpatient Outpatient Cancer Care Worldwide Private Network Telemedicine Direct Billing Family Options
AXA Global Healthcare ★★★★½
4.6/5 (Feefo) 		Tiered Plans Outpatient Cancer Care Evac & Repat Virtual GP Mental Health Digital Claims Dental Add-on
APRIL International ★★★★☆
4.3/5 (Trustpilot) 		Inpatient Outpatient Short-Term Long-Term 24/7 Support Multilingual Direct Billing Modular Extras
Cigna Global ★★★★☆
4.1/5 (Trustpilot) 		Core Inpatient Outpatient Dental/Vision Wellbeing Build-Your-Plan Direct Billing Second Opinion Global Access
Now Health International ★★★★☆
4.4/5 (Trustpilot) 		Inpatient Outpatient Evac & Repat Worldwide Digital Claims Fast Approvals Telemedicine Family Options

Customer review ratings as of October 2025. Sources: Trustpilot and Feefo. Ratings may vary by region and product type.

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How Much Does International Health Insurance Cost?

Factors Affecting The Cost Include

Your Age and Location

Premiums tend to rise with age, as the likelihood of medical treatment increases. Your country or region of residence also plays a part, for example, medical costs in the USA, Hong Kong or Singapore are significantly higher than in parts of Europe or Asia.

Level of Cover

Most insurers offer different tiers of cover, from basic inpatient-only plans to comprehensive packages that include outpatient, dental, maternity and wellness benefits. The more areas of treatment you include, the higher the premium but you’ll also enjoy greater protection and peace of mind.

Area of Cover

You can often choose whether to include or exclude the USA from your policy. Because medical care in the States is among the most expensive in the world, excluding it can substantially reduce your premium while still keeping emergency cover in place.

Optional Benefits

Adding optional extras such as maternity, dental, optical or mental health cover can increase your premium, but ensures your plan fits your lifestyle. These benefits are especially valuable for families, frequent travellers, or anyone planning to start a family abroad.

Policy Excess or Deductible

Choosing a higher excess (the amount you agree to pay towards a claim) is a simple way to lower your monthly premium. If you’re comfortable covering smaller medical costs yourself, this can make comprehensive cover more affordable.

Individual or Family Cover

If you’re taking out a policy for your partner or family, you’ll pay more overall but family policies often work out cheaper than buying individual cover for each person. Many insurers also offer discounts for adding dependants or combining benefits under one plan.

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  • UK-based team of Advisors that gets expat healthcare.
  • Get cover tailored to your country, lifestyle, and budget.
  • Free ongoing support after you buy.

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Frequently Asked Questions | International Health Insurance

What is international health insurance?

How is it different from travel insurance?

Who needs international health insurance?

How much does international health insurance cost?

Can I choose which countries my policy includes?

Does it cover pre existing conditions?

Will my plan still work if I move to another country?

How Does an International Health Insurance Comparison Work?

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