Private International Medical Insurance (IMPI) plans are available for expatriate families, so there’s no need to go without health insurance while living abroad. Some insurance carriers even offer additional coverage for young dependents at no extra cost.

Are you trying to make sure your family will be covered by health insurance once you move abroad? 

You’ve come to the right place. International Health Insurance  is partnered with multiple high-quality insurance carriers with international family health insurance plans. Keep exploring this page and out more about family health insurance plans.

Whenever you’re ready for a personalized quote, you can Compare plans easily with the free quote generator. Here’s a tutorial for how to make selections and Sort the available plans.

If you have questions, contact us online or by calling us toll-free at  +973 38799118

Health Insurance Coverage for Expatriate Families

Health insurance coverage for families can be customized to fit your budget and coverage needs. Many comprehensive plans will help cover well-child checks and routine vaccinations. To keep premiums low, you could also select emergency and in-patient coverage only.

How International Health Insurance Works for Families

International health insurance policies for families work similarly to policies for individuals. Notify your insurance broker or agent that you will need coverage for family members. They will collect ages and other key information to offer pricing and plan details.

You will need to plan ahead in order to verify coverage because private health insurance abroad is subject to underwriting. This means that the insurer will review your health history to determine whether or not you, a family member, or a particular pre-existing condition is eligible for coverage.

Filing a claim is similar to private domestic insurance policies. That means that your insurer has hospitals, clinics, and providers with direct billing capacity. Direct billing means the medical provider will file the insurance claim on your behalf. 

International Medical Insurance Eligibility

Expats are eligible for an international medical insurance policy when they reside outside of their home country for at least three months of the year for more than one year. If you plan to be outside of your home country for a shorter period, you are eligible for a travel insurance policy instead.

Coverage for expats is also subject to underwriting and insurance company age limits. Many insurance companies have a maximum age for issuing new policies. 

pre-existing condition may also make someone ineligible for an individual or family policy. In this case, an expat would need to participate in a large group policy, like one through an employer, to be eligible for international medical insurance.

International Health Insurance with Maternity coverage requires a waiting period to be eligible for coveage of pregnancy-related expenses.

International Health Insurance Costs for a Family Of Four

International health insurance costs for a family of four will depend on the age of the parents, the age of the children, the destination country, the area of coverage, and the plan selections. We will offer some examples below just to give you an idea of what you could expect.

If you would like a personalized quote for your family and destination.

For each cost estimate, our example expat family of four includes:

• 33-year-old male
• 30-year-old female
• 7-year-old male
• 5-year-old female

Basic Coverage Policies Include:

• Inpatient 
• Emergency Evacuation
• Emergency Repatriation

Comprehensive Coverage Policies Include:

• Inpatient 
• Outpatient
• Dental
• Maternity

For your convenience, we have compared the price of premiums and coverage in some of the most popular destinations for expat families. The following table compares foreigners’ health insurance policies for families living abroad.

Please note that prices are for worldwide coverage excluding the United States, with the exception of the entry for the USA.

*All health insurance plans in Dubai must include maternity coverage, so even the basic coverage here includes maternity coverage.

For a more comprehensive comparison of insurance prices and medical expenses worldwide.

Do Ages Make a Differences in the Cost of Health Insurance for a Family?

Age makes a big difference in the cost of international health insurance. The cost of health insurance increases with the ages of the people on the policy. Let’s consider an older family of four with older children in the following example.

For each cost estimate, our young expat example family of four includes:

• 33-year-old male
• 30-year-old female
• 7-year-old male
• 5-year-old female

For each cost estimate, our older example expat family of four includes

• 50-year-old-male
• 45-year-old-female
• 16-year-old-male
• 13-year-old-female

Comprehensive Coverage Policies Include:

• Inpatient 
• Outpatient
• Dental
• Maternity

Please note that prices are for worldwide coverage excluding the United States, with the exception of the entry for the USA.

As you can see in the table above, health insurance policies are generally more expensive for older policyholders.

Inte rnational Health Insurance Considerations for Families

Families purchasing international health insurance plans should keep in mind that out-of-pocket medical costs for families can add up quickly, even in countries with more affordable healthcare. Many private health insurance companies have direct billing networks to simplify claims.

• Opting for more comprehensive plans with preventative care coverage will raise premiums but save you on out-of-pocket costs.
• If you plan to travel a lot outside of your resident country, consider plans that offer travel vaccination coverage.
• Maternity insurance coverage has a waiting period before maternity benefits can be used.
• Save money on premiums by excluding coverage in the USA if possible.
• Make sure the annual benefit limit of your selected plan is high enough to cover significant emergencies abroad.
• Verify that you will be able to pay the deductible before choosing a plan. You will probably be better offer paying a little more each month for a lower or $0 deductible.

Affordable Family International Medical Insurance Plans

The most affordable international medical insurance plans for families will likely be through your employer or school. Regional or worldwide excluding the USA, policies are more affordable than plans that include the US. The best-priced insurance company varies by world region.

Best International Health Insurance Companies for Families

The best international health insurance companies for expatriate families include Now Health International, VUMI, April International, Allianz Care. However, there are many high-quality insurance providers with coverage for families abroad. 

VUMI’s International Health Insurance for Families

VUMI’s international health insurance plans offer great maternity insurance coverage. Declared pre-existing condition may also be covered on its Global Flex Plans, subject to underwriting approval. Dental coverage is also available with comprehensive plans.

April International: Worldwide Insurance for Expatriate Families

April International is a well-respected insurance provider for families living abroad. It offers five tiers of coverage with comprehensive plans and unlimited annual benefits available. April International has plans with both dental and vision coverage options.

 Allianz Care: International Health Insurance for Families

Allianz Care sells international health insurance plans for families. Their maternity insurance plans also offer some coverage for infertility treatments. Allianz plans range from basic to comprehensive for a customized plan experience.

International Maternity Insurance for Families

International maternity insurance coverage is available for families. Please be aware that maternity coverage typically has a waiting period, so plan ahead if you’re starting or growing your family.