Expat Health Insurance

Medical Cover for People Living and Working Abroad

Health and Medical Insurance for Expats

Millions of people choose to move overseas every year.

Whether you are relocating for employment reasons, as a lifestyle choice, or to retire, emigrating is an exciting time yet also one of upheaval and potential stress.

One of the biggest factors to consider when moving abroad is how you will access healthcare in your new location, especially if you’re moving with a young family, or are a retiree dealing with an existing condition.

With expat health insurance from Now Health International, you can ensure you’re able to access the private sector and cover your costs for whatever medical treatment you require in your new country.

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Why Should Expats Take Out Private Health and Medical Cover?

Depending on your circumstances and reasons for relocating abroad, you may be required to take out private health and medical insurance cover as one of your visa conditions.

It is also worth considering how you access healthcare in your current location, as well as how the healthcare system operates in the country you’re considering moving to.

Even if the country you are moving to gives you the opportunity to make social security contributions and subsequently access the public healthcare system, it can still be worth supplementing your cover with private health insurance. Getting ill or requiring treatment in an unfamiliar location can be intimidating, and having to wait to access treatment via the public sector can add unneeded stress at the time you want it the least.

With international health insurance, you can ensure you’re able to access the healthcare facilities and get the treatment you need quicker.

What are the Benefits of Taking Out International Health Insurance as an Expat?

There is no doubting the levels of excitement that people can feel when choosing to move overseas.

At the same time, it is a massive step for anyone to take. You’re moving your whole life to a new location, where perhaps you don’t know anyone or have only visited on a handful of occasions prior to moving there full-time.

When you have international health insurance and are able to access private healthcare facilities when you need to, you will live in your new location with peace of mind and find yourself worrying about dealing with the public healthcare system or how to register to be able to see a doctor. You’ll be able to access these facilities quicker than you likely would via the public system and get back to living your exciting life in your new location.

Cover yourself when living abroad with private health cover from Now Health International.

Why Choose Now Health International for Your Expat Health Insurance?

At Now Health International, we offer a range of private healthcare packages to help you cover your costs when living overseas.

Our WorldCare Essential package starts at USD 26 per month and will cover you for any in-patient and day-patient care while living in your new location. This package also covers treatment for pre-existing conditions subject to underwriting and is ideal if you are living with a condition that requires on-going management and care.

We also offer a more affordable package covering emergency and urgent care only, while those looking for a more comprehensive level of cover can choose packages that include out-patient, dental, and maternity care.

Join thousands of Now Health International members living happily overseas and covered by one of our international health insurance packages.

Linh's story

“I am so grateful to the Now Health Team for everything they did for me and my family. My rare condition was completely unexpected and it was distressing to discover this while I was pregnant. However from the initial diagnosis all the way through to my kidney transplant, the team were nothing but supportive and ensured I could access the best care when I needed it most. Having the reassurance that my mother’s transplant donor costs would be covered was also a real relief. Thank you Now Health!”

Customer Stories


  • What is expat health insurance? Why should I consider it?
    Expat health insurance is specifically designed for the healthcare needs of expatriates and their families, meaning you can access the best private healthcare both locally and overseas. If you’re moving abroad, it’s likely any existing local health plan you have will not provide coverage outside of your home country. Even if your plan does offer some coverage abroad, it may not be fit for purpose for the healthcare needs of the globally mobile expat.

    Expat health insurance plans are also often portable, so you can take your plan with you should you return to your home country or decide to move elsewhere, saving you the hassle of having to purchase a new plan.
  • Is expat health insurance expensive? How much does it cost?
    The monthly expense will vary depending on the type of plan and level of cover you choose. At Now Health International we have a range of plans to suit different needs and budgets, ranging from essential cover for hospitalization and major medical events, through to comprehensive cover for dental and maternity treatment. For as little as USD 29 per month, we can offer cover for in-patient and day-patient treatment in 194 countries and territories.
  • What kind of coverage can I expect from an expat insurance plan?
    Expat health insurance cover will vary depending on the plan and options you choose. Cover usually includes in-patient and day-patient care, including hospitalization and surgery, as well as medical evacuation and repatriation. Some plans will also offer cover for out-patient care including doctor visits and physiotherapy, as well as routine and complex dental treatment, and routine maternity care. At Now Health International we also offer options to add cover for wellness check-ups and vaccinations to your plan.

    It makes sense to choose an expat plan that fits your expected lifestyle and healthcare needs overseas. Younger expats may wish to opt for one of our in-patient only plans, such as SimpleCare CORE or WorldCare Essential, while those raising a family abroad may wish to opt for our more comprehensive WorldCare Apex plan which includes dental treatment and maternity care.
  • Is expat health insurance a requirement for living and working abroad?
    Some countries may require expats to purchase a form of health insurance, others may require you to buy into a government insurance scheme, while others may have no requirement at all. It’s important to do your research and find out about the health insurance requirements of your expat destination - you can check out our Expat Guides for more information.

    Regardless of whether your destination country requires you to purchase a health insurance plan, it’s still a good idea to consider expat health insurance. When it comes to protecting your health and avoiding the hassle of medical expenses, expat health insurance is designed to ensure you can access the best private medical care should the worst happen when you’re living and working abroad.

Why choose Now Health International

Exceptional service

We understand what matters to you and we make sure you only get the best international health care.

Quick and hassle-free claims process

Submit your claims online or via our mobile app.

Simple and transparent

We make it easy for you to find information, access a medical provider, and make a claim.

24/7 multilingual customer care and support

We have in-house service teams located all around the world, ready to help whenever you need it.

Extensive network and International Cover

As a truly global health insurance company, we provide you with a very comprehensive health insurance plan that has access to a network of over 1 million medical facilities and physicians worldwide.

Highly Specialized

Now Health is a specialist insurer focused on worldwide cover. Because we do one thing, our staff are experts in local markets and global health cover.