International health insurance for long stays and families

Plans

Care Base, Care Enhanced and Care Signature, for new customers since November 2025, with plan limits of £830,000, £1.66 million and £3.1 million (€1 million, €2 million and €3.7 million). Its pages call this the maximum plan limit and don't say whether it is per year.

Where it covers

Worldwide, worldwide excluding the USA, Africa, or Europe. Only the Worldwide area includes the US. Allianz suggests choosing the area where you live, or spend more than six months of the year.

Pregnancy

Routine maternity and complications are part of the core plan on Enhanced and Signature, after a 12-month waiting period. Not on Care Base. The cash limits are in a benefit guide we couldn't open.

Newborns

Allianz's FAQ says to tell it within 4 weeks of the birth. If the birth parent has been insured with Allianz for at least 8 months in a row, the baby is accepted without medical underwriting and covered from birth. Multiple births and late notice are underwritten. The FAQ isn't specific to the new plans, so ask.

Children

Each person pays their own premium. Allianz says discounts apply when you insure two or more children.

Conditions you have now

You choose. With full medical underwriting you declare your history, and conditions are generally covered unless your policy says otherwise. With a moratorium there's no questionnaire, and a condition you had before can be covered once you've gone 24 months in a row without symptoms, treatment, medicine or advice for it.

Age and renewal

No age limit for joining on the pages we read. Policies renew automatically while the plan is still sold, cover can continue in your country of residence and premiums are paid. No promise of lifelong renewal.

Insurer

AWP Health & Life SA, trading as Allianz Partners, regulated in France by the ACPR, through its Irish branch.

Sources: Allianz Care, switching insurers, Allianz Care, new plans news release, Allianz Care, planning a family, Allianz Care, established families, Allianz Care, policy FAQ, Allianz Care, regulatory information

Go to Allianz Care

Plans

Bupa Global Health Plans: Major Medical, Select, Premier and Elite. In the version sold to EEA residents, the yearly limits are €2.5 million, €1.25 million, €1.875 million and €3.75 million. The Elite guide gives £3 million or US$5.1 million a person a year.

Who can buy

Nobody living in the US can buy any Bupa Global plan. EEA residents buy from Bupa Global DAC in Ireland. Bupa Insurance Limited sells it from the UK, but its target market statement isn't clear about who that version is for: ask Bupa.

Where it covers

Worldwide, or worldwide excluding the US. On Select, Premier and Elite you can also leave out Europe. Elite uses Blue Cross Blue Shield networks in the US.

Pregnancy

Covered on Premier and Elite, by their own documents; ask Bupa about Major Medical and Select. Bupa's comparison page and its December 2024 Elite guide say the mother must have been on the plan for 18 months; a May 2024 Elite brochure said 10, so check the documents you're given. On Elite: £10,000 for a normal delivery, £20,000 for a medically necessary caesarean, care before and after the birth paid in full.

Newborns

Added from birth with no personal exclusions if either parent has been a member for at least 18 months and the form arrives within 30 days of the birth (the Elite guide; Premier's summary uses the same 18 months). Otherwise the baby is underwritten. On Elite, a baby born in the US, by assisted reproduction, adopted or by surrogacy is always underwritten.

Children

On Elite, up to two children aged 9 or under per covered parent, four at most, at no extra premium, subject to underwriting and living with that parent.

Deductibles

The trade press reports deductibles of £500 to £5,000 on the range sold in the EEA, with lower ones for outpatient care. Elite pays hospital care in full.

Conditions you have now

Full medical underwriting: conditions you declare are covered unless Bupa adds a personal exclusion; ones you don't declare aren't covered. We found no moratorium option.

Age and renewal

Any age, with no upper limit, in Bupa's target market statement. Each year is a new contract. Bupa can decline to renew with 30 days' notice; if it renews, it adds no new personal exclusions.

Insurer

UK: Bupa Insurance Limited, authorised by the PRA and regulated by the FCA and PRA. EEA: Bupa Global DAC, regulated by the Central Bank of Ireland.

Sources: Bupa, target market statement, May 2025, Bupa Global, plans for Europe, Bupa Global, plan comparison (Italy), Bupa Global, Elite membership guide, December 2024, Bupa Global, Elite brochure, May 2024, Bupa, Premier plan summary (IPID), hosted by SIP, Health & Protection, December 2024

Go to Bupa Global

Plans

Silver, US$1 million a year (£650,000); Gold, US$2 million (£1.3 million); Platinum, hospital care paid in full. You can add outpatient, evacuation, wellbeing, and vision and dental cover.

Where it covers

Worldwide including the USA, or worldwide excluding it. In the US you generally need a Cigna network provider; out of network is paid at 20% less, except in an emergency, or where nobody in the network is within 30 miles or offers the treatment.

Your home country

If you're an expat, you're covered in your country of nationality while you're there for a while, up to 180 days per period of cover. UK citizens living in the UK can buy it too.

Pregnancy

Gold and Platinum only. Routine maternity US$7,000 on Gold and US$14,000 on Platinum; complications US$14,000 and US$28,000 (customer guide, February 2025). The mother must have been covered for 12 months, or 24 months in the UK, Hong Kong or Singapore, in Cigna's 2026 policy rules. Its February 2025 guide gave 24 months for Hong Kong and Singapore only.

Newborns

Newborn care in the first 90 days: US$25,000 on Silver, US$75,000 on Gold, US$156,000 on Platinum. A baby is added without health questions if a parent has been covered for 12 months (24 for births in the UK, Hong Kong or Singapore) and you apply within 30 days. Adopted and surrogate-born children are always underwritten.

Children

A child can't be insured alone: the policyholder must be 18 or over, and so must someone on the policy.

Deductibles

US$0 to US$10,000 on hospital cover, then a cost share of 0% to 30%, with a yearly out-of-pocket maximum of US$2,000 or US$5,000.

Conditions you have now

Full medical underwriting: Cigna may exclude a condition, or cover it for an extra premium. No moratorium in its policy rules.

Age and renewal

No upper age limit, Cigna says. It renews automatically each year; Cigna can decline to renew, but not because of your claims or illness.

Insurer

In the UK, Cigna Europe Insurance Company S.A.-N.V., UK branch, authorised by the National Bank of Belgium and the PRA. Other countries use other Cigna insurers, such as Cigna Global Insurance Company Limited in Guernsey.

Sources: Cigna Global, plans, Cigna, customer guide, February 2025, Cigna, UK policy rules, 2026 (Spanish), Cigna, Guernsey policy rules, February 2026

Go to Cigna Global

Plans

Basic, €1 million a year, and Premium, €3.5 million (table of benefits dated 1 September 2026).

Where it covers

Worldwide, but the US only for emergencies, on stays of up to 91 days, up to €250,000 a year on Basic and €500,000 on Premium, and not in your first 3 months. In your country of nationality: Premium gives full cover; Basic covers up to 182 days, once you've spent at least 91 days in a row outside it.

Pregnancy

Premium only, after 12 months: care before the birth, scans, a midwife, the birth in hospital or at home, and care afterwards, within the overall limit. Basic covers only severe complications. Life-threatening complications have no waiting period.

Newborns

If a parent has had Native for at least 3 months, apply within 2 months of the birth: no medical questionnaire, and cover from birth. The baby gets their own contract. Otherwise a baby can be added from 2 months old with the questionnaire.

Children

Everyone has their own contract, priced on their own age, and there's no family discount.

Deductibles

€0, €500 or €1,000 a year, not applied to hospital stays.

Conditions you have now

A medical questionnaire, assessed by the insurer: you can be accepted, accepted with exclusions, charged more, or declined. Conditions you declare that aren't excluded are covered.

Age and renewal

Join up to 55. Once you're covered there's no age limit and no maximum length; you can cancel any time after the first month. Open to nomads without a fixed legal residence.

Insurer

Squarelife Insurance AG, Liechtenstein. Genki is the agent.

Sources: Genki Native, Genki, table of benefits, September 2026, Genki, waiting periods, Genki, adding a family member, Genki, pre-existing conditions

Go to Genki Native

Name

GeoBlue is now BlueCross BlueShield Global Solutions, and its plan names were simplified in February 2026; brokers now list Worldwide Premier and Outside U.S. Everything below is from GeoBlue's 2023 and 2024 documents, so check the current ones.

Plans

Xplorer Premier and Xplorer Essential. The 2024 brochure says both have unlimited yearly and lifetime maximums; a 2023 comparison gives Essential US$1 million.

The US

Premier covers care in the US for up to 9 months a year, through the Blue Cross Blue Shield PPO network. Essential covers you outside the US, with an optional rider for emergencies on up to three US trips of 21 days a year.

Who it's for

You must expect to live outside your home country for at least 3 months a year.

Pregnancy

Not in the 2024 brochure. A 2019 GeoBlue sheet says maternity is available as an upgrade after 12 months of cover, and a broker says the same. Check before you rely on it.

Newborns

On Premier, the newborn of a covered pregnancy is covered automatically for intensive and routine nursery care. The rule for adding a baby after that: not found.

Children

Unmarried children under 26 can be covered as dependants.

Deductibles

US$0 to US$10,000; a family deductible is 2.5 times the individual one. Premier pays 100% outside the US, and 80% in-network or 60% out of network in the US.

Conditions you have now

Medically underwritten, and not everyone is accepted. Conditions you already have are excluded for 180 days, waived if you can show you had health insurance before.

Age and renewal

Apply at 74 or younger. Your rates don't change because of your own claims, but benefits, rates and terms can change each year.

Insurer

4 Ever Life International Limited, Bermuda, administered by GeoBlue (Worldwide Insurance Services, LLC). Sold through licensed agents.

Sources: GeoBlue, Xplorer brochure, 2024, GeoBlue, comparing the plans, 2023, GeoBlue, Premier eligibility, GeoBlue, Xplorer Essential, 2019, BlueCross BlueShield of South Carolina, the rebrand, February 2026, International Insurance (broker), Xplorer benefits

Go to GeoBlue Xplorer

Plans

Bronze, US$1 million; Silver and Gold, US$5 million; Platinum, US$8 million. These are lifetime limits per person, from IMG's 2022 brochure as hosted by a broker; a broker page updated in February 2026 shows the same.

Where it covers

Worldwide, or worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan. US citizens must plan to live outside the US for at least 6 of the next 12 months.

Pregnancy

Platinum only, after 10 months of cover (another IMG brochure says 10 or 24 months, depending on underwriting), with an extra US$2,500 deductible per pregnancy and a US$50,000 lifetime limit.

Newborns

On Platinum, if the pregnancy was covered: newborn care up to US$250,000 in the first 31 days. Children can be insured from 14 days old. The rule for adding a baby: not found.

Children

Dependants aged 19 and over need their own application.

Deductibles

US$250 to US$10,000 on Bronze and Silver; up to US$25,000 on Gold and Platinum.

Conditions you have now

Full medical underwriting; IMG can exclude a condition or charge more. Bronze doesn't cover conditions you already have. On the other tiers, conditions you declare are covered unless they're excluded.

Age and renewal

Join from 14 days old to 74. It renews each year with no new medical questions. Join by 65 and stay covered to 75, and you can move to IMG's Global Senior Plan without new underwriting.

Insurer

SiriusPoint Specialty Insurance Corporation; IMG administers it. IMG also sells a newer expat plan, Global Prima, launched in 2023, which we haven't checked.

Sources: IMG, Global Medical brochure, 2022 (hosted by Expat Insurance), IMG, Global Medical brochure (hosted by International Insurance), International Insurance (broker), Global Medical, February 2026, IMG, Global Prima launch, April 2023

Go to IMG Global Medical

Plans

Essential, US$3 million a year; Advance, US$3.5 million; Excel, US$4 million; Apex, US$4.5 million (brochure, April 2025).

Where it covers

Worldwide excluding the US, as standard. Planned treatment in the US is an add-on, up to US$1.5 million. Without it, US emergencies are covered: accidents up to the yearly limit, illness in hospital up to US$25,000 on Essential and US$50,000 on Apex.

Pregnancy

Routine maternity on Apex only: US$17,500 (£10,940), after 12 months. On every tier, medical complications of pregnancy are covered after 12 months.

Newborns

Hospital treatment in the first 30 days: US$100,000 on Essential and Advance, US$125,000 on Excel, US$150,000 on Apex. The rule for adding a baby: not found.

Children

A family discount when you add a partner and a child, and a bigger one with three or more children: 10% and 15% in Now Health's 2024 notice.

Deductibles

None as standard; options from US$150 to US$15,000.

Conditions you have now

Full medical underwriting up front; conditions you already have are excluded unless Now Health agrees in writing.

Age and renewal

Joining age and renewal terms: not found in what we read.

Insurer

It depends where the policy is issued. In Europe it's insured by Starr Europe Insurance Limited and issued from Malta. UK policies are issued by Now Health International (UK) Ltd, authorised by the FCA; its brochure names Best Doctors Insurance Limited as an insurer. Ask which applies to you.

Sources: Now Health, WorldCare brochure, April 2025, Now Health, Apex summary (UK), 2026, hosted by SIP, Now Health, Advance summary, 2025, Now Health, UK application form, June 2026, Now Health, 2024 product review

Go to Now Health WorldCare

Plan

One plan: US$1.5 million a year for medical and hospital care, outpatient care up to US$5,000, with no deductible and no co-insurance.

Who can buy

Not residents of the US or its territories, Canada, Ireland, the UAE or Saudi Arabia, among others.

Where it covers

Your country of residence, even if that's your home country, plus travel to other covered countries. The US, Hong Kong and Singapore are an add-on, which SafetyWing says to choose if you'll spend more than 30 days there; it covers up to 6 months in the US.

Pregnancy

US$2,500 in total for routine care in pregnancy, the birth and 30 days after, after a 10-month waiting period.

Newborns

Not found: the policy document wouldn't open for us.

Children

Add a partner or children when you sign up. SafetyWing says children's plans cost up to 35% less.

Conditions you have now

Not covered: anything diagnosed or treated at any time in your life, or with symptoms in the last 2 years.

Age and renewal

Sign up until 64; once you're in, it's renewable indefinitely. A 12-month commitment.

Price

US$177.50 a month for ages 18 to 39, on the 12-month commitment.

Insurer

The health cover is insured by VUMI Group, I.I., in Puerto Rico.

Sources: SafetyWing, Nomad Insurance Complete, SafetyWing, which countries are covered, SafetyWing, deductibles, March 2026, SafetyWing, waiting periods, March 2026

Go to SafetyWing Complete

Plans

Bronze and SilverLite, US$1.5 million; Silver, US$2.5 million; Gold, US$5 million.

Who can buy

People of any nationality living abroad, but not if you live in the US or Switzerland.

Where it covers

Seven zones. The widest covers the US only for accidents and emergencies, up to US$50,000, on trips of up to 45 days; an extension raises that to US$250,000 a year. Full US cover isn't offered.

Pregnancy

Routine maternity on Gold only: US$18,500 per pregnancy, once the mother has been insured for 12 months. Complications for the mother are covered on every plan, from US$4,800 on Bronze.

Newborns

Add the baby at the same plan level within 30 days of the birth. Cover for congenital conditions in the first 90 days needs a parent to have been insured for 12 months.

Children

No family discount. New policies get a lifetime discount instead: 15% in most countries, 16% in the UAE, and 20% in some countries with an excess of US$1,000 or less.

Conditions you have now

A medical questionnaire; conditions you already have are typically not covered unless agreed. Waiting periods can't be bought out: 12 months for mental health, for example.

Age and renewal

Under 76 when the policy starts. William Russell says you can renew for as long as you need.

Prices it publishes

Bronze, US$84 a month for a 30-year-old UK national in Vietnam with South East Asia cover. Silver, US$706 a month for a 50-year-old American in China with worldwide cover. Gold, US$822 a month for a French family with two children in the Philippines. Each assumes the excess shown on its page.

Insurer

AWP Health & Life SA (Allianz group), through William Russell Europe SRL in Belgium.

Sources: William Russell, international health insurance, William Russell, coverage zones, William Russell, maternity, William Russell, waiting periods, William Russell, lifetime discounts, January 2026, William Russell, pre-existing conditions, William Russell, products

Go to William Russell