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International Health Insurance as an Employee Benefit

Learn about the benefits of offering international health insurance to your employees, including attracting and retaining talent, reducing healthcare costs, and improving employee morale.

What is International Health Insurance?

International health insurance is a specialized type of insurance coverage designed to provide your internationally based employees with comprehensive healthcare protection while they are living, working, or traveling abroad.

This form of insurance offers a safety net for employees who find themselves outside their home country and in need of medical care, ensuring that they receive high-quality treatment without the financial burden that can come with healthcare expenses in foreign countries.

Why offer international health insurance to employees? 

Offering international health insurance is a valuable investment in the well-being, productivity, and satisfaction of employees. It also aligns with employers’ ethical and legal responsibilities and helps them to position themselves as an attractive and responsible employer in the global marketplace.

From attracting and retaining top talent, supporting global workforces, and enhancing productivity, to reducing your employee’s stress. Providing your global employees with health insurance is key.

A blue sign that says international health insurance

The Benefits of International Health Insurance for Employees 

Peace of mind

International health insurance gives employees peace of mind knowing that they have access to quality healthcare, regardless of where they are in the world.

Financial protection

International health insurance can help protect employees from the high cost of medical care in other countries. This can be a significant financial burden, especially for employees who are not familiar with the healthcare system in the country they are visiting or working in. 

Access to quality care

International health insurance gives employees the chance to access quality healthcare, even in countries with less developed healthcare systems. This is important for employees who have chronic conditions or who need specialized care.


International health insurance can make it easier for employees to access healthcare when they are traveling or working abroad. This is because the insurance company will typically have a network of providers in different countries, so employees can easily find a doctor or hospital that is covered by their plan. 

A group of employees smiling and talking about the benefits of international health insurance
A man in a suit holding a brief case that says international health insurance
Two men in suits shaking hands after talking about international health insurance as an employee benefit
A female employee being explained the benefits of international health insurance

The Benefits of International Health Insurance for Employers 

Attract and Retain Top Talent

Offering international health insurance is a valuable recruitment and retention tool. It shows that the employer is committed to the well-being of its employees and that it is a responsible company to work for.

Mitigate legal risks

In some countries, it is a legal requirement for employers to provide health insurance to their employees. International health insurance can help employers comply with these regulations and avoid fines or penalties. 

Improve Employee Productivity

Healthy employees are more productive. When employees know they have access to healthcare and can address medical concerns promptly, they are more likely to stay focused on their work, resulting in improved job performance.

Improve Employee Morale

International health insurance can help improve employee morale by reducing stress and anxiety about healthcare costs. This can lead to a more productive and engaged workforce. 

Build a Positive Corporate Reputation

A company that prioritizes the health and safety of its employees abroad fosters a positive corporate image. This can lead to better relations with clients, partners, and the public, which can be particularly important for multinational corporations.

Competitive Advantage

Offering international health insurance sets a company apart from its competitors. It demonstrates a commitment to employee well-being and may give the company an edge in winning contracts or partnerships. 

Types of International Health Insurance Plans 

International health insurance providers offer a variety of health insurance plans, each offering a specific level of medical coverage.

Ultimate Plan

This plan covers everything, from inpatient and outpatient care to emergency medical treatment, hospitalization, surgery, and prescription drugs. It has the highest monthly premiums, but it also has the lowest out-of-pocket costs. This plan is best for expats with high healthcare needs who want the most extensive coverage.

Standard Plan

This plan is a good balance between cost and coverage. It has moderate premiums and moderate out-of-pocket costs. This plan is a good choice for expats who expect average healthcare needs.

Entry-Level Plan

This plan has the lowest monthly premiums, but it also has the highest out-of-pocket costs. This plan is best for expats who expect minimal medical expenses and are willing to take on more financial responsibility for healthcare services. This plan is a good choice for younger expats who don’t expect to have many medical expenses.

A person researching about international health insurance as an employee beenfit
An employee explaining international health insurance to an elderly couple
Plan Type Coverage Monthly Premium Out-of-pocket Costs Best For
Ultimate Plan Exenstive High Low Employees with high healthcare needs
Standard Plan Balanced Moderate Moderate Employees with average healthcare needs
Entry-level plan Minimal Low High Employees with minimal healthcare needs

International Health Insurance Providers




April International  Founded in 1995, April International specializes in international health insurance.
Allianz Founded in 1890 in Munich, Germany, Allianz is one of the largest insurance companies in the world. They offer international health insurance.
Vumi Founded in 1998, Vumi specializes in international health insurance.
Bupa Founded in 1947 in the United Kingdom, Bupa offers global health insurance coverage.
Now Health Founded in 2010, Now Health specializes in international health insurance.
Morgan Price Founded in 1999 in the United Kingdom, Morgan Price offers a range of expatriate health insurance products.
Expacare Founded in 1983 in the United Kingdom, Expacare specializes in international health insurance.
Expatriate Group Founded in 1997, the Expatriate Group specializes in international health insurance for expatriates.
IMG IMG is a UK-based medical insurance company that has been around for over 15 years. The provider offers international health insurance.
William Russell Founded in 1992 in the United Kingdom, William Russell specializes in international health insurance for expatriates.
Hollard Founded in 1980 in South Africa, Hollard specializes in international health insurance.
Cigna Founded in 1982 in the USA, Cigna offers global health insurance coverage.

How to Choose an International Health Insurance Plan 

Deciding on an international health insurance plan can be very overwhelming and time-consuming. The following are important factors to consider when making the deciison. We can advice you onth ebest plan for your business, saving you time and saving you from experiencing any frustrations.

Consider your Employee’s Needs

The first step is to consider your specific needs and circumstances:

  • What kind of coverage does your employee need?

  • How long will they be traveling or living abroad?

  • What countries will they be visiting or working in? 

Compare Plans and Policies

Once you know your employees needs, you can start comparing different plans and policies. There are many different providers of international health insurance, so it’s important to compare the coverage, premiums, and deductibles of different plans before you make a decision. 

Read the Fine Print

It’s important to read the fine print of any insurance policy before you sign up. This will help you understand what is and isn’t covered, and what your responsibilities are as a policyholder. 

Get quotes from different providers

 Get quotes from different providers to see which one offers the best coverage for the best price. You can get quotes online or by calling different insurance companies or contacting an insurance broker.

Talk to an Insurance Broker

Getting advice from an insurance broker who offers international health insurance, will give you the insights you need to decide on the best plan. They will be able to give you more information or help you choose the right plan for your needs. 

Secure Your Employees’ International Health Insurance Policy Today!

Simply complete the form below and click ‘submit’ to submit an international health insurance inquiry. Our customer service team will get in touch with you within 2 business days.