International Health Insurance for Global Families
Comprehensive, portable medical coverage tailored to parents, children, and newborns who relocate or split time across countries.
Key Facts
International Health Insurance for vanlife 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.
Telemedicine 24/7; direct billing (invoice > €2.000) at network hospitals and clinics.
Digital policy documents are usually issued within 24 – 72 hours after approval.
Smarter Insurance for Van life — Free Consult
Road life needs clear, portable cover and quick answers. We’ll review your planned countries in a free online session, compare suitable international health policies (explaining limits and exclusions in plain language), and send you a tailored quote within a day, plus the digital documents you’ll need on the road.
Who is it for/not for?
Not for:
- Holidaymakers who only need short emergency cover.
- People fully satisfied with a single country’s public health system.
- Drivers seeking vehicle liability or breakdown cover (that is separate insurance).
For:
- Full-time vanlifers living in 1–6+ countries per year.
- Remote workers or families who want one policy that travels with them.
- Drivers spending months in rural areas where hospitals are scarce.
Benefits & Limitations
Benefits:
- Continuous inpatient care abroad; comprehensive tiers add outpatient and pharmacy benefits.
- Guarantee of Payment (GOP) so hospitals can bill your insurer directly.
- Telemedicine 24/7 for triage and follow-ups while on the road.
- Options for dependents and newborn enrollment windows.
- Region choices: Worldwide (excl. USA) or Worldwide (incl. USA).
Limitations:
- Pre-existing conditions may be excluded, delayed by moratorium, or covered with premium loading after underwriting.
- Maternity has waits and caps on eligible plans.
- USA-inclusive regions increase premiums.
- Mental health sessions often have annual caps.
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 €220–€420/month for a family of three (two adults, one child) on Worldwide (excl. USA) with a €1,000 family deductible. Premiums vary by ages, region selection, deductible model, and add-ons (outpatient pediatrics, dental/vision, maternity).
Example:
a couple aged 38/36 with a 6-year-old on comprehensive Worldwide (excl. USA), €1,000 family deductible, pays about €285–€340/month; adding maternity increases premium and applies waiting periods.
Common Questions (FAQ)
Long-term medical cover for each insured family member. Core benefits include hospitalization and surgery; comprehensive tiers add pediatric visits, diagnostics, and prescriptions.
Newborns typically must be enrolled within 30 days of birth. Some plans allow coverage from day one if the mother was insured before pregnancy.
Yes, in some cases. They may be excluded, covered after a moratorium, or covered from day one with a premium loading and specific terms after underwriting.
Your insurer issues a GOP to the hospital before treatment showing what it will pay for covered care. You pay only non-covered items or your deductible/excess.
Plans often include counseling/therapy with annual session caps and referral requirements. Tele-psych may be available.
On comprehensive tiers, yes—consultations, standard vaccinations, and tests are covered to stated limits and deductibles.
Often as add-ons. Benefits include routine check-ups, fillings, or eyewear up to annual caps.
Choose a region that includes both. Some adjustments are possible at renewal; mid-term changes are more limited.
Identity documents for each insured, medical questionnaire, and if applicable, prenatal records or existing treatment notes.
Plans often include counseling/therapy with annual session caps and referral requirements. Tele-psych may be available.
Examples & Scenarios
- Two-country school year: Family splits time between Portugal and Singapore. Comprehensive Worldwide (excl. USA) with no overall limit and €1,000 family deductible covers hospital care and outpatient pediatrics in both.
- Planned procedure with GOP: Child’s tonsillectomy scheduled; insurer issues a GOP the day before, and the clinic invoices the insurer directly.
- Loading for a pre-existing condition: Parent’s controlled thyroid condition is accepted with premium loading and a condition-specific cap noted in the certificate.