International Private Health Insurance
IPMI for Expats
Global Health Cover for International Citizens
Compare plans from leading insurers, understand benefits & exclusions, and get expert help when you need it. Start with a quick comparison, then go deeper by country or insurer.
Find the right international health insurance for expats—fast. Compare plans side-by-side, check what’s covered, and follow our guides to apply with confidence.
How to choose the right plan
- Area of cover: Worldwide incl. USA vs. excluding USA. Regional vs. Country specific (local). See country guides for local norms.
- Deductible & co-pay: Balance premium savings vs. out-of-pocket. Read deductible and co-payment.
- Network & direct billing: Check hospital access and cashless options. Start with find a hospital.
- Pre-existing conditions: Underwriting (moratorium vs. full medical) affects coverage. See pre-existing conditions and exclusions.
- Outpatient, maternity & add-ons: Waiting periods, newborn cover, dental/vision. Use the glossary for definitions.
- Claims & service: Understand how to claim, deadlines, and appeals.
Compare providers (A–Z)
Review benefits, brochures, and application steps for each insurer we work with. Start at the hub and jump to brands like Cigna, Allianz Care, Expacare, and more.
Country-specific guidance
Rules, typical costs, and facilities vary by destination. Our briefers help you calibrate cover levels and avoid surprises when you move or travel long-term.
Affinity group discounts
Members of partner associations and networks may qualify for premium rewards and tailored plans through the Brokerfish Affinity Network.
Our buy direct partners & get cover fast
- Lowest premium: Core inpatient cover with higher deductible - good for healthy expats wanting catastrophe protection.
- Best long-term value: Balanced inpatient + outpatient, stable renewals, sensible limits.
- Most comprehensive: Broad inpatient/outpatient, evacuation, optional maternity and dental.
How to compare & apply
Use our step-by-step guide to filter plans, compare side-by-side, and submit your application securely. If you’d like advice first, our team can help you shortlist options.
FAQs
What’s the difference between international health insurance and travel insurance?
International Private Medical Insurance (IPMI) is annual, renewable cover for residents and long stays. Travel insurance is short-term, trip-based, and usually has lower medical limits. If you’re relocating or living abroad, choose IPMI. See also: travel insurance.
Will pre-existing conditions be covered?
It depends on underwriting (moratorium vs. full medical) and the insurer’s rules. Some conditions may be excluded or require waiting periods. Start here: pre-existing conditions.
How do deductibles and co-pays affect price?
Higher deductibles and co-pays generally reduce premiums but increase what you pay when you claim. Choose a level you can afford. Learn more: deductible and co-payment.
Can I use any hospital?
Most insurers prefer network hospitals for direct billing. You can often use non-network facilities, but you may need to pay upfront and claim back later. See: find a hospital.
Ready to get covered? Request a quote or compare plans.