- Annual health insurance · Expats & families
Health insurance
that moves with you.
Live, work and raise a family abroad with confidence. We compare international health insurance plans to find the cover that fits your life.
- Free advice
- 20+ insurers compared
- Quote in 2 minutes
We compare the best international
health insurance plans.
BPA compares 20+ leading international health insurers and helps you choose suitable options for your needs.
Example coverage comparison
A Plan for Every Stage of Your Life Abroad.
See how cover typically grows from Essential to Comprehensive. Hover any benefit to see, in plain words, what it actually covers.
Move your mouse over any line of the table to see a simple explanation of that benefit.
This is an illustrative example only. Benefits, limits and conditions vary by insurer and plan.
Find my plan| Benefit | EssentialCore hospital cover | BalancedHospital + everyday care | ComprehensiveOur most complete protection |
|---|---|---|---|
| Hospitalization & surgery | |||
| Hospital room | Shared | Private | Private |
| Intensive care | |||
| Emergency room | |||
| GP & specialist visits | – | ||
| Tests & medication | – | ||
| Maternity | – | Optional | |
| Dental & vision | – | Optional | |
| Wellbeing & prevention | – | Optional | |
| Medical evacuation |
International health insurance
Get your personalized quote
Compare plans from leading insurers worldwide in just a few questions.
How we use your information: Privacy Policy
Additional insured Optional
Add a spouse, partner, child or other dependant to your policy
No additional members added yet. Click Add member to include a partner or child on your policy.
Step 2 — Choose your coverage
Pick the approach that best fits how you want to receive your quote.
Quick Quote
A faster, simpler quote
Customize My Coverage
Tailor your coverage from the start
Choose Quick Quote or Customize My Coverage above to continue.
What level of medical care are you looking for?
Essential
Cover for hospital stays and major treatment.
- Hospital stays & surgery
- GP & specialist visits
- Dental, optical & wellness
Balanced
Hospital cover plus everyday outpatient care.
- Hospital stays & surgery
- GP & specialist visits
- Dental, optical & wellness
Comprehensive
Our most complete protection, from hospital to wellness.
- Hospital stays & surgery
- GP & specialist visits
- Dental, optical & wellness
Core medical cover
Hospitalization is included as standard.
Annual limit preference
Choose the overall yearly coverage limit.
Deductible preference
A higher deductible can reduce your premium.
Outpatient care
Consultations, tests and prescriptions.
Dental
Routine and preventive dental care.
Optical
Eye tests, lenses and frames.
Wellness
Check-ups, vaccinations and preventive care.
Maternity
Can be added if relevant to your needs.
Step 3 — Get your quote
Where should we send your personalized comparison?
Your personal information will be processed by Be Protected Abroad, operated by Be Protected Global Pte. Ltd., to prepare your insurance quotation, contact you about your request and, where necessary, share relevant details with insurance partners. Learn more in our Privacy Policy.
What you'll receive
Your personalized quote will be sent by email after you complete your details. We'll prepare a range of tailored options from leading international insurers, based on your needs.
Built for life abroad.
Not just for a trip.
Local insurance and travel insurance each have their place. For people who live abroad, an international health plan is the one designed for the job. See also: World Health Organization, universal health coverage.
Free advice. No obligation.
Chosen for people like you.
Sent straight to your inbox.
Your comparison is not a random list. We select plans from 20+ international insurers using what we have learned from tens of thousands of similar profiles: your age, your family, your country of residence and what people living there actually need.
- Insurers selected for their cover and service in your country
- 4 plans side by side, in a clear PDF sent by e-mail
- A dedicated advisor to walk you through it, free of charge
What shapes the price
of your plan.
Four choices make most of the difference. We help you find the right balance between the cover you want and the budget you have.
Your age
Each insured person is priced on their age, and premiums usually rise with age.
Where you live
Even with worldwide cover, prices depend on your main country of residence.
Your level of cover
Hospital only, or with everyday care and extras: each block you add is reflected in the price.
Deductible and co-payment
Paying a share of some costs yourself can noticeably lower your premium.
Good to know: many plans can be paid annually or quarterly, and family members can be added to the same policy.
From quote to cover,
with an advisor at your side.
A comparison is the starting point. We help you understand the differences, choose with confidence and handle the steps that follow.
Tell us about you
A few questions, about two minutes: who to cover, where you live and the care you want.
Receive your comparison
Your personalized quote by e-mail: several plans from leading insurers, side by side, in a clear PDF.
Choose with your advisor
We explain benefits, limits, exclusions and deductibles, and adjust the options if needed.
Apply and stay supported
We guide your application and medical questions, then stay your contact for renewals and policy questions.
Your questions,
answered.
The essentials about international health insurance. Find more answers in our full FAQ, or ask an advisor directly.
Who is international health insurance for?
For anyone living outside their home country for the long term: expats, international families, retirees and remote workers. Most insurers ask that you live outside your country of nationality.
Is there an age limit to join?
Each insurer sets its own maximum age for new members, and some accept older applicants than others. Enter your date of birth in the quote tool and we will show you the plans available at your age.
Can I keep my cover if I move to another country?
Usually yes. If your new country is within your area of cover, you inform your insurer and the premium may be adjusted to your new country of residence. If it is not, we help you review your options.
Are pre-existing conditions covered?
Insurers take different approaches. Some assess your medical history and may offer cover with exclusions or other terms; others exclude pre-existing conditions. Declare your history accurately and check the insurer’s written decision before subscribing.
How can I lower my premium?
A deductible or a co-payment, a smaller area of cover (for example excluding the USA) or keeping only the benefits you need can all reduce the price. Your advisor shows you the impact of each option.
Are there waiting periods?
Certain benefits, such as maternity or dental care, may have waiting periods. These differ by insurer and policy, so check when each benefit becomes available.
How do I get a quote?
Fill in the quote tool above in about two minutes. You receive a personalized comparison by e-mail, then a BPA advisor reviews it with you. Free and without obligation.
