International Health Insurance Made Simple
Independent advice. Global cover. All your options in one place – tailored to your life abroad.
The Top 10 International Health Insurance Providers We Work with
Here are the top 10 international health insurance providers we work with:
Bupa
Cigna
Expatriate Group
Healthcare International
Now Health
Hollard
Unisure
William Russell
Morgan Price
April International
As independent advisors, we work with multiple trusted international health insurance providers – not just one. So, you get clear, unbiased advice, and see all your options in one place.
How Much Does International Health Insurance Really Cost?
Your health insurance premium is based on the following factors:
Your Age
The older you are, the more you’re likely to pay. Why? Because as we age, our risk of getting sick or needing medical care increases.
Insurers factor that in when calculating your premium. It’s not personal—it’s just how the math works in the world of insurance.
But don’t worry, we’re here to help you find a plan that fits your age, lifestyle, and budget perfectly—no stress, just smart cover.Where you live
When it comes to international health insurance, your main country of residence and the region you choose for cover play a big role in what you’ll pay.
Think of it this way: if you want to be covered anywhere in the world, including the USA (hello sky-high healthcare costs), your premium is going to be on the higher side.
But if you’re only looking for cover in specific countries—like South Africa and France, for example—you’ll pay less because the risk and cost to the insurer is lower.
It’s all about tailoring your plan to suit where you live, work, and travel. And don’t worry—we’ll help you find the sweet spot between great cover and a price that makes sense.
Your PlanJust like choosing between economy and first class, the international health insurance plan you go with will directly impact your premium. The more comprehensive the cover, the more you'll pay—but also, the more medical care you’ll have access to.
The good news? We help you weigh up your needs, your lifestyle, and your budget to find the just right plan for you. Goldilocks would be proud.
What is International Health Insurance?
International health insurance is a lifesaver for anyone venturing beyond their home country's borders for an extended period. It's a comprehensive health plan designed to cover your med-ical needs wherever you roam, whether you're an expat working overseas, a student exploring the world, or a retiree living the good life on a foreign shore.
How Does International Health Insurance Work?
International health insurance is global medical cover that protects you when you're living, working, or travelling outside your home country. Whether you're based in Bali, bouncing between business hubs, or crewing a superyacht, this isn’t just travel insurance – it’s comprehensive, long-term healthcare cover that moves with you.
Here's how Global medical coverage works:
Global Coverage That Fits Your Lifestyle
When choosing your plan, you’ll select a coverage region – usually either Worldwide (excluding the USA) or Worldwide (including the USA). Why the difference? The U.S. has some of the highest medical costs globally, so plans including the USA come with a higher premium. If you don’t need U.S. cover, you can save with a plan that leaves it out.
Your Premium is Based on Your Main Country of Residence
Where you live plays a big role in your pricing. Your main country of residence helps insurers assess your risk and set your premium. Whether you’re soaking up the sun in Cape Town or hopping between EU countries, your location matters – and we help you get it right.
Flexible Premium Payments That Suit You
You choose how often you want to pay – monthly, quarterly, or annually. Easy. And we’re here to help you find the best value for your budget.
International Health Insurance Plans for Global Citizens
Seafares
global medical insurance for superyacht crew
Yachting takes you across borders, from the Caribbean to the French Riviera. Your health insurance needs to reflect this globetrotting lifestyle. International health insurance provides coverage wherever you sail, ensuring you're protected no matter where an emergency strikes.Expats
International health insurance for South African expats
Medical bills, even minor ones, can be astronomical in different countries. A simple hospital visit, or medication refill could leave you with a financial burden that disrupts your new life abroad. International health insurance acts as a safety net, covering these costs and ensuring you receive the necessary care without worry.
Digital Nomads
Global medical coverage for digital nomads
Medical bills, even minor ones, can be exorbitantly expensive in different countries. A simple doctor's visit or medication refill could leave you with a financial burden that disrupts your nomadic journey. International health insurance acts as a safety net, covering these costs and ensuring you receive the necessary care without worry.
International Retirees
best international health insurance for retirees living abroad
Your retirement isn't confined to one place. International health insurance provides coverage wherever you choose to explore, whether it's relaxing on the beach in Thailand or visiting family back home.
International Students
Affordable international student health insurance for international students.
Knowing you're covered in case of illness or injury allows you to focus on your studies, immersing yourself in the new culture, and making the most of your time abroad. It also provides immense comfort to your family back home, knowing you have access to quality healthcare.
International health insurance isn't a luxury, it's an investment in your health and well-being abroad. It empowers you to live life to the fullest, knowing you're prepared for whatever comes your way.
Why Choose Clarity Employee Benefits for Your International Health Coverage?
Navigating the world of international health insurance can be overwhelming. That's where we come in. We're not just another broker; we're your trusted partner, dedicated to ensuring you have the peace of mind and protection you deserve while venturing abroad. Here's why choosing us makes a difference:
Unwavering Expertise
We boast years of experience in the international health insurance industry, providing us with a deep understanding of the diverse plans and providers available. This expertise allows us to tailor solutions that perfectly match your specific needs and circumstances.
Independent and Unbiased:
We are proudly independent, free from any ties to specific insurance companies. This independence ensures we prioritize your best interests, offering unbiased advice and presenting a comprehensive range of plan options, not just those from a limited pool.
Client-Centric Approach
We believe in putting our clients first. We take the time to understand your individual health history, travel plans, and budget constraints. This personalized approach ensures you don't settle for a one-size-fits-all solution; instead, you receive a plan that truly meets your unique requirements.
The Benefits of International Health Insurance
Global medical coverage
No matter where in the world you are, international health insurance ensures you are covered for any medical mishaps. Whether you need cover while working in the Netherlands or cover while you are back in your home country for holiday- international health insurance will have your back no matter what!
Peace of Mind Across Borders
International health insurance acts as your safety net, ensuring you have access to quality medical care anywhere in the world. Whether you're in a bustling metropolis or a remote village, your coverage travels with you, providing a sense of security and protection.
Financial Security in Unfamiliar Territory
Medical costs can vary drastically across countries. Even minor medical emergencies can lead to significant financial burdens without proper coverage. International health insurance steps in, covering the costs of hospitalization, specialist care, medication, and other essential medical services, preventing you from facing crippling medical bills in a foreign land.
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