International Health Insurance for Expats
Comprehensive, portable medical coverage for residents living outside their home country, built for ongoing care.
Key Facts
International Health Insurance for Expats at a glance
Annual medical limits commonly €500,000. No overall limit.
Deductible choices often 0€ – 5.000€ per policy year.
Optional outpatient, mental health, and prescriptions on comprehensive tiers.
Maternity waiting periods usually 10 months with caps.
Digital policy documents are usually issued within 24 – 72 hours after approval.
Smarter Insurance for Expats — Free Consult
Moving for 12+ months? We benchmark comprehensive international health options for residents abroad, explain what “worldwide coverage” means for your situation, and provide a 24-hour, no-obligation quote after a structured consult. Our provider panel lets us match benefits and price to your new home, not a generic template.
Who is it for/not for?
Not for:
- Holidaymakers who only need emergency-only trip cover.
- Residents fully satisfied with a single country’s public system.
- People needing cover for excluded activities or restricted regions without riders.
For:
- Individuals and families relocating for work, study, or lifestyle for 12+ months.
- Professionals without employer group cover or who need global continuity of care.
- Expats requiring predictable access to private hospitals and specialists.
Benefits & Limitations
Benefits:
- Continuous inpatient cover; comprehensive tiers add outpatient, diagnostics, and prescriptions.
- Guarantee of Payment (GOP) so hospitals can bill the insurer directly for eligible treatment.
- Telemedicine 24/7 for triage and follow-ups, plus second-opinion services.
- Options for family coverage and newborn enrollment windows.
- Region choices (e.g., Worldwide excl./incl. USA) aligned to your residence and travel.
Limitations:
- Pre-existing conditions may be excluded, covered after a moratorium, or included with premium loading and terms after underwriting.
- Maternity benefits have waits and monetary caps on eligible plans.
- USA-inclusive regions typically carry higher premiums.
- Mental health visits often have annual caps or referral rules.
- Certain occupations or sports may be excluded or require riders.
How it works
1
Start with a quick consult or instant quote
2
Get tailored plan options
3
Enroll with guided paperwork
4
Lean on ongoing expert support
Make the Right Choice with Beakon Global
Choosing the right international health insurance can feel overwhelming - but you don’t have to do it alone. At Beakon Global, our experts cut through the complexity, guiding you to the best plan for your needs, budget, and lifestyle.
Meet the Experts Behind Beakon Global
Stephan & Louis, co-founders of Beakon Global, are trusted leaders in International Private Medical Insurance (IPMI).
- With a track record of growing a major IPMI provider, they bring unmatched expertise to the industry.
- Specialists in broker networks & insurance distribution, they’re known for their client-focused approach.
- At Beakon Global, they’re redefining expat health insurance - prioritizing excellence, security & well-being worldwide.
Pricing & Drivers
From €80–€180/month for a healthy 25-year-old on Worldwide (excl. USA) with a €1,000 deductible. Pricing varies by age, region selection (incl./excl. USA), deductible, and add-ons like outpatient, dental, or maternity.
Example:
a 38-year-old couple on a comprehensive Worldwide (excl. USA) plan with a €1,000 deductible pays ~€285/month total; adding maternity increases both premium and waiting period requirements.
Common Questions (FAQ)
Long-term medical care while living abroad: hospitalization, surgery, advanced imaging, and—on comprehensive tiers—doctor visits, diagnostics, and prescriptions.
They may be excluded, covered after a moratorium, or included from day one with a premium increase (“loading”) and specific terms after underwriting.
Some countries require local enrollment. International health insurance can complement local cover or serve as your primary private cover, depending on regulation.
Request a Guarantee of Payment (GOP). The insurer issues written payment confirmation to the provider so eligible bills go directly to the insurer; you pay only non-covered items or your deductible.
No. Outpatient sits on comprehensive tiers and is subject to stated limits and deductibles.
Maternity is usually on higher tiers with 10-month waits and caps. Newborns often must be enrolled within a defined window post-birth.
Yes. Spouses and children can typically be added via endorsement, subject to underwriting.
Comprehensive tiers often include therapy sessions and tele-psych. Annual caps and referral rules apply.
Many insurers allow region changes at renewal; mid-term changes can be restricted. Confirm rules before purchase.
If a GOP isn’t used, submit itemized invoices, medical reports, and receipts through the portal. Reimbursements follow policy timelines.
Examples & Scenarios
- Family relocation: Two adults and one child moving to Singapore choose comprehensive Worldwide (excl. USA) with €1,500,000 limit; pediatric visits and vaccinations are covered to outpatient limits.
- Planned surgery with GOP: Knee arthroscopy scheduled in Lisbon; insurer issues a GOP the day before, and the clinic bills the insurer directly.
- Loading for a pre-existing condition: Hashimoto’s thyroiditis accepted with a premium loading and a condition-specific cap noted in the certificate.