Best Expat Health Insurance in Asia

Why Health Insurance Matters for Expats

Living abroad can be exciting, but it also comes with health risks and uncertainties. Having comprehensive health insurance ensures access to quality care without unexpected costs. This guide covers the top insurance options for expatriates across Asia.

Top Expat Health Insurance Providers

Provider	Coverage Region	Monthly Premium (Est.)
Cigna Global	Worldwide, including Asia	$120 – $300
Allianz Care	Asia-Pacific	$100 – $280
IMG Global	Asia, Europe, Americas	$90 – $250
Pacific Prime	Hong Kong, Singapore, Thailand	$110 – $270

Key Features to Look For

Emergency evacuation coverage
Direct billing with top hospitals
Outpatient + inpatient services
Maternity and dental add-ons
Pre-existing condition coverage

Cost Considerations

Premiums vary based on age, coverage level, and destination country. Plans with higher limits and international coverage cost more, but offer better protection for long-term expats or frequent travelers.

FAQs

Q: Can I use local insurance instead?
A: Local plans may be cheaper but often lack international portability and full English support.
Q: What documents do I need to apply?
A: Passport, visa, proof of residence, and health declaration are typically required.
Q: Can I upgrade my coverage later?
A: Yes, most providers allow upgrades but may require additional medical checks.

Conclusion

For peace of mind, expats in Asia should invest in comprehensive international health insurance. Leading providers like Cigna and Allianz offer plans with flexible coverage, high limits, and hospital access across major cities. Always compare benefits and exclusions before purchasing.