As people age, access to quality healthcare becomes increasingly important. For expats over 65 living abroad, having comprehensive international health insurance is not just a luxury—it’s a necessity.
Moving to a new country often means navigating unfamiliar healthcare systems, which can be challenging, especially for seniors who may require more frequent medical attention.
A robust health insurance plan ensures access to top-tier medical facilities, covers emergency treatments, and provides peace of mind for both expats and their families.
However, finding the right insurance plan for seniors can be tricky, as many providers impose age restrictions or higher premiums.
To help you make an informed decision, I’ve compiled a list of the top international health insurance companies for expats or immigrants over 65, along with their pros and cons.
Table of Contents
1. Cigna Global
Cigna Global is one of the most well-known names in the international health insurance market, offering customizable plans tailored to individual needs, whether the person is an expatriate or an international student abroad. Their plans are particularly popular among expats over 65 years old due to their flexibility and extensive coverage.
What I liked:
- Comprehensive coverage: Cigna Global offers a wide range of benefits, including inpatient, outpatient, and emergency care, as well as dental and vision options.
- No age limit: Cigna Global provides coverage for expats over 65, with no upper age limit for enrollment.
- Global network: Access to a vast network of hospitals and clinics worldwide ensures you’re covered no matter where you live.
- 24/7 customer support: Their multilingual support team is available around the clock to assist with claims and queries.
What I didn’t like:
- Higher premiums: Plans for seniors can be a bit more expensive due to age-related factors.
- Complex plan options: The variety of plans and add-ons can be overwhelming for some customers.
2. IMG Global
IMG Global is a popular choice for expats seeking affordable and flexible international health insurance. Their plans are designed to cater to a wide range of needs, including those of seniors.
What I liked:
- Affordable options: IMG Global offers competitive pricing, making it a good choice for budget-conscious expats.
- Customizable plans: You can tailor your plan to include specific benefits like maternity care, evacuation, or wellness programs.
- No age limit: IMG Global provides coverage for expats over 65, with no maximum enrollment age.
- Global support: Their customer service team is available 24/7 to assist with emergencies and claims.
What I didn’t like:
- Limited network: Compared to other providers, IMG Global’s network of hospitals and clinics is smaller.
- Basic plans may lack coverage: Lower-tier plans may not include some essential benefits, requiring you to upgrade for comprehensive coverage.
3. Now Health
Now Health is a well-regarded provider offering international health insurance plans tailored to expats, including those over 65. Their focus on simplicity and transparency makes them a popular choice.
What I liked:
- Age-friendly plans: Now Health offers coverage for expats over 65, with options to include chronic condition management.
- Transparent pricing: Their plans are straightforward, with no hidden fees or complicated terms.
- Global network: Access to a wide network of hospitals and clinics ensures quality care worldwide.
- Customer support: Their team is known for being responsive and helpful.
What I didn’t like:
- Higher premiums for seniors: As with most providers, premiums increase significantly with age.
- Limited add-ons: The plans are less customizable compared to other providers.
4. Foyer Global Health
Foyer Global Health is a Luxembourg-based insurer offering international health insurance plans for expats, including those over 65. Their plans are known for their reliability and comprehensive coverage.
What I liked:
- Comprehensive coverage: Foyer Global Health offers extensive benefits, including inpatient, outpatient, and emergency care, as well as wellness programs.
- Different level plans: Essential, Special, and Exclusive
- Age-friendly plans: Their plans are available to expats over 65, with options to include chronic condition management.
- Global network: Access to a wide network of hospitals and clinics ensures quality care worldwide.
- Multilingual support: Their customer service team is available in multiple languages.
What I didn’t like:
- Higher premiums: Like most insurers, Foyer Global Health’s premiums increase with age.
- Limited flexibility: Some customers find the plans less customizable compared to other providers.
5. Allianz Care
Allianz Care is another leading provider of international health insurance, known for its reliable coverage and excellent customer service. Their plans are designed to meet the needs of expats, including those over 65.
What I liked:
- Tailored plans: Allianz Care offers plans specifically designed for seniors, with options to include chronic condition management.
- Easy claims process: Their online portal and mobile app make submitting claims quick and hassle-free.
- Global coverage: Allianz Care provides access to a large network of healthcare providers worldwide.
- Additional benefits: Some plans include wellness programs and preventive care services.
What I didn’t like:
- Limited coverage for pre-existing conditions: While some conditions are covered, others may require additional premiums or exclusions.
- Premium increases: Like most insurers, premiums tend to rise significantly with age.
6. William Russell
William Russell specializes in international health insurance for expats, offering comprehensive plans designed to meet the needs of individuals and families, including seniors.
What I liked:
- Comprehensive coverage: William Russell offers extensive benefits, including inpatient, outpatient, and emergency care, as well as mental health support.
- Age-friendly options: Their plans are available to expats over 65, with no upper age limit for enrollment.
- Global network: Access to a wide network of healthcare providers ensures you’re covered wherever you are.
- Flexible plans: You can tailor your policy to include additional benefits like dental and vision care.
What I didn’t like:
- Expensive premiums: William Russell’s plans tend to be on the pricier side, especially for seniors.
- Complex policy details: Some customers find the policy terms and conditions difficult to navigate.
7. SafetyWing
SafetyWing is a newer player in the international health insurance market, offering affordable and flexible plans designed for digital nomads and long-term travelers. While not specifically tailored for seniors, it can be a viable option for expats over 65.
What I liked:
- Affordable premiums: SafetyWing offers some of the most budget-friendly plans on the market.
- Flexibility: Their monthly subscription model allows you to start and stop coverage as needed.
- Global coverage: SafetyWing provides coverage in most countries, making it ideal for expats who move frequently.
- Simple enrollment: The sign-up process is quick and straightforward.
What I didn’t like:
- Limited coverage for seniors: SafetyWing’s plans are not specifically designed for older adults, and coverage for age-related conditions may be limited.
- Basic benefits: The plans are more suited for emergencies and routine care, lacking the comprehensive coverage some seniors may need.
8. AXA Global Healthcare
AXA Global Healthcare is known for its high-quality coverage and excellent customer service. Their plans are designed to meet the needs of expats of all ages, including those over 65.
What I liked:
- Comprehensive coverage: AXA offers extensive benefits, including inpatient, outpatient, and specialist care, as well as mental health support.
- Flexible plans: You can choose from a range of plans and add-ons to create a policy that suits your needs.
- Global network: AXA’s extensive network of hospitals and clinics ensures you have access to quality care worldwide.
- 24/7 support: Their customer service team is available around the clock to assist with emergencies and claims.
What I didn’t like:
- Expensive premiums: AXA’s plans tend to be on the pricier side, especially for seniors.
- Complex policy details: Some customers find the policy terms and conditions difficult to understand.
9. Aetna International
Aetna International is a trusted name in the health insurance industry, offering a range of plans designed for expats, including seniors. Their focus on preventive care and wellness sets them apart.
What I liked:
- Wellness programs: Aetna International offers programs to help manage chronic conditions and promote healthy living.
- Comprehensive coverage: Their plans include inpatient, outpatient, and emergency care, as well as mental health support.
- Digital tools: Aetna’s mobile app and online portal make it easy to manage your plan and access telehealth services.
- Global network: Access to a wide network of healthcare providers ensures you’re covered wherever you are.
What I didn’t like:
- Higher premiums for seniors: Like most insurers, Aetna’s premiums increase with age, making it less affordable for some retirees.
- Limited plan flexibility: Some customers find the plan options less customizable compared to other providers.
Conclusion
Choosing the right international health insurance as an expat over 65 requires careful consideration of your healthcare needs, budget, and lifestyle. While all the companies listed above offer excellent coverage, the best choice for you will depend on your specific circumstances.
Cigna Global and Allianz Care are great options for those seeking comprehensive coverage and global networks, while IMG Global and SafetyWing are ideal for budget-conscious expats. Aetna International, AXA Global Healthcare, Now Health, William Russell, and Foyer Global Health stand out for their wellness programs, high-quality service, and age-friendly plans, though they often come with higher price tags.
Ultimately, investing in a robust health insurance plan is essential for enjoying your retirement abroad with peace of mind. Take the time to compare plans, read reviews, and consult with insurance experts to find the best fit for your needs. Safe travels and healthy living!