Crucial First Step: Before you read further, commit to obtaining personalized quotes. Insurance premiums vary dramatically based on age, medical history, and your chosen country of residence. Spending one hour comparing real prices from the providers below could save you thousands of dollars and prevent immense stress during a medical emergency. This is your most important planning task.
Introduction: Why Russian Expatriates Need International Health Insurance
Russian citizens have become one of the most mobile populations in the world, with significant expatriate communities now residing across Georgia, Turkey, Kazakhstan, the UAE, Thailand, Cyprus, and many other countries. Whether you’re a digital nomad, a retiree, a professional on assignment, or an immigrant starting a new life abroad, having the right health insurance is non-negotiable.
Why international insurance matters for Russian expats:
Many of the most popular destinations for Russian expatriates have specific health insurance requirements. For instance, Georgia introduced mandatory medical insurance for all foreign tourists, business travelers, and transit passengers from January 1, 2026. The policy must provide minimum coverage of 30,000 GEL (approximately $11,000 USD) and be issued in English or Georgian . In Turkey, every foreigner applying for a short-term residence permit (ikamet) must hold a private health insurance policy that meets minimum coverage requirements . In the UAE, legislation requires every person on its territory to have medical insurance—from tourists to residence permit holders .
Beyond visa compliance, international insurance offers:
- Protection from catastrophic medical expenses in countries where private healthcare costs can be substantial
- Access to English or Russian-speaking doctors through provider networks
- Coverage for medical evacuation, which can be critical if you’re in a remote area or a country with limited healthcare infrastructure
- Portability across borders—if you move between countries, your coverage moves with you
The Russian Expat Experience in Key Destinations
🇬🇪 Georgia
Georgia has become a top destination for Russian expatriates due to its visa-free entry, favorable business environment, and proximity to Russia. Starting January 1, 2026, Georgia mandates that all foreign tourists, business travelers, and transit passengers have health insurance for their entire stay . Importantly, Russian citizens holding a Georgian residence permit are exempt from this requirement when entering the country, as they can present residency documents instead . For expats living in Georgia long-term, local insurance can be good value for routine care; international policies are better for those who travel frequently.
🇹🇷 Turkey
Turkey is another prime destination for Russian immigrants, with a large Russian-speaking community in Istanbul, Antalya, and other coastal cities. Russian citizens can obtain a short-stay tourist visa or a residence permit with proof of health insurance. For those planning to settle, enrolling in Turkey’s universal health insurance (SGK) is possible after obtaining a residence permit , but many expatriates maintain international insurance for the initial period and for coverage during travel back to Russia.
🇰🇿 Kazakhstan
Kazakhstan shares a border and close cultural ties with Russia. Russian citizens can stay visa-free for up to 90 days, making it an accessible destination for remote workers and short-term expats. For long-term immigration, Russian nationals must obtain a residence permit, which requires proof of health insurance. Importantly, only labor migrants from EAEU countries (Russia, Belarus, Armenia, Kyrgyzstan) and foreign citizens permanently residing in Kazakhstan with a residence permit can participate in the mandatory social health insurance system . Temporary visitors without a residence permit cannot access this system and must rely on voluntary health insurance or pay out-of-pocket .
🇦🇪 UAE
The UAE (particularly Dubai and Abu Dhabi) has become a hub for Russian professionals and investors. All residents are legally required to have health insurance. In 2026, minimum requirements remain standard: the policy must cover emergency care, outpatient treatment, hospitalization, medications, and transportation . Many clinics only treat patients with insurance, and paying for treatment without a policy may require significant upfront payment . International insurance is popular among Russian expatriates who want the flexibility to receive treatment outside the UAE or who need higher coverage limits.
🇹🇭 Thailand
Thailand is a top destination for Russian retirees and digital nomads, with large Russian communities in Phuket, Pattaya, and Bangkok. Thailand’s immigration authorities require proof of health insurance for certain visa types, particularly the retirement visa (O-X) and some long-stay permits. Russian expats living in Thailand have access to local insurers like Allianz Ayudhya and Pacific Cross that offer plans specifically tailored for expats, as well as international providers .
🇨🇾 Cyprus
Cyprus offers a straightforward residency pathway for non-EU citizens through the Pink Slip (temporary residence permit) and the popular Permanent Residency by Investment program. All applicants must present proof of health insurance. For residence permits, a mandatory “Plan A” immigration policy starts from as little as €120 per year . Many mutualistas in Cyprus have age limits for new members (typically 60-65 years), so Russian expatriates over 60 often need international insurance .
Other Popular Destinations
Russian expatriates can also be found in significant numbers across Armenia, Serbia, Portugal, Spain, Montenegro, and the United Kingdom. In the European Union, Russian citizens face tighter visa restrictions, but many have obtained residency through various programs, all of which require health insurance.
The 7 Most Affordable Expat International Health Insurance Plans
Below are the 7 best international health insurance options for Russian citizens living abroad. All prices are estimates based on age 40, worldwide coverage excluding the US, with mid-tier plans, and a $1,000-2,500 deductible .
1. Cigna Global – The Gold Standard for Comprehensive Coverage
Cigna is one of the largest international health insurers globally, serving expatriates in over 200 markets and territories, with a network of approximately 1.5 million hospitals, doctors, and clinics . Cigna’s plans are modular, allowing you to build exactly the coverage you need.
Cigna Global – Key Details
| Feature | Silver | Gold | Platinum |
|---|---|---|---|
| Annual Limit | $1,000,000 | $2,000,000 | Unlimited |
| Inpatient Coverage | ✓ | ✓ | ✓ |
| Outpatient Coverage | Add-on | Add-on | Add-on |
| Maternity | ✗ | ✓ (with waiting) | ✓ (with waiting) |
| Dental & Vision | Add-on | Add-on | Add-on |
| Max Age at Entry | 84 years | 84 years | 84 years |
| Age | Premium |
|---|---|
| 30 | $180-280 |
| 40 | $240-360 |
| 50 | $320-480 |
| 60 | $480-700 |
Pros:
- ✅ Extensive global network with direct billing in most countries
- ✅ Modular plans—you only pay for what you need
- ✅ No upper age limit for enrollment (up to 84)
- ✅ 24/7 multilingual customer service
- ✅ Flexible geographic coverage options
Cons:
- ❌ Major claims can take a while to be paid
- ❌ Can be quite expensive
- ❌ Maternity waiting period of 10 months requires planning
- ❌ Outpatient care is an add-on module
Best For: Russian expatriates who want comprehensive coverage, have specific health needs, or are planning long-term stays. Strongly recommended for families, retirees, and those with pre-existing conditions (subject to assessment).
2. IMG Global – The Most Flexible and Budget-Friendly Option
IMG offers exceptional flexibility with multiple tiers and high customization. Its Global Health Insurance is annually renewable for expats and global citizens living or working internationally, with 24/7 support and in-house medical teams . IMG is particularly popular among budget-conscious expatriates and digital nomads.
IMG Global – Key Details
| Feature | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Annual Limit | $1,000,000 | $5,000,000 | $5,000,000 | $8,000,000 |
| Inpatient Coverage | ✓ | ✓ | ✓ | ✓ |
| Outpatient Coverage | ✓ | ✓ | ✓ | ✓ |
| Prescription Coverage | ✓ | ✓ | ✓ | ✓ |
| Maternity | ✗ | ✗ | ✗ | ✓ |
| Dental & Vision | Add-on | Add-on | Add-on | Add-on |
| Max Age at Entry | 74 years | 74 years | 74 years | 74 years |
| Age | Premium |
|---|---|
| 30 | $120-200 |
| 40 | $160-280 |
| 50 | $220-360 |
| 60 | $340-520 |
Pros:
- ✅ Both inpatient and outpatient coverage included in all tiers
- ✅ Highly customizable with add-ons (dental, vision, maternity)
- ✅ Competitive pricing—often 30-50% cheaper than premium providers
- ✅ High-deductible options available for even lower premiums
- ✅ Prescription coverage on all plans
Cons:
- ❌ Less well-known in Europe and Asia compared to Cigna or BUPA
- ❌ Customer service quality can vary by region
- ❌ Max age 74 can be restrictive for older retirees
Best For: Budget-conscious Russian expatriates who want comprehensive coverage without paying a premium for brand name. Excellent for digital nomads, freelancers, and young professionals.
3. SafetyWing – The Digital Nomad Pioneer
SafetyWing offers a subscription-style, affordable insurance designed for remote workers, freelancers, and long-term travelers. With coverage in 180+ countries and plans starting at around $45/month, SafetyWing is the most accessible option for Russian digital nomads .
SafetyWing – Key Details
| Feature | Nomad Essential | Nomad Complete |
|---|---|---|
| Annual Limit | $250,000 | $1,000,000 |
| Emergency Medical Treatment | ✓ | ✓ |
| Routine Care | ✗ | ✓ |
| Prescription Medications | ✗ | ✓ |
| Mental Health | ✗ | ✓ (up to 10 visits) |
| Telemedicine | ✓ | ✓ |
| Maternity | ✗ | ✗ |
| Dental & Vision | ✗ | Add-on |
| Deductible | $0 | $0 |
Important: Destinations not covered include Belarus, Cuba, Iran, North Korea, Puerto Rico, Russia, Syria, Ukraine . Russian citizens are excluded from purchasing from Russia but are still eligible to purchase and use SafetyWing from other countries.
| Age | Nomad Essential | Nomad Complete |
|---|---|---|
| Under 30 | $45-70 | $160-180 |
| 30-40 | $65-95 | $180-200 |
| 40-50 | $95-140 | $200-230 |
Pros:
- ✅ Extremely affordable—starting at approximately $45/month
- ✅ No medical screening required
- ✅ Enroll from anywhere, even after leaving Russia
- ✅ No long-term commitment—month-to-month subscription
- ✅ Covers 180+ countries
- ✅ Includes travel-related benefits (lost luggage, trip interruption, political evacuation)
Cons:
- ❌ Travel medical, not comprehensive health insurance—lower coverage limits
- ❌ No deductible on either plan
- ❌ No maternity coverage
- ❌ Neither plan covers pre-existing conditions
- ❌ Russian bank cards cannot be used for payment due to sanctions
⚠️ Important Payment Note: Due to current sanctions, Russian and Belarusian bank cards are not accepted for payment. Russian nationals can still use SafetyWing’s insurance worldwide, but must pay using a bank account from outside Russia or a friend/family member’s foreign account.
Best For: Russian digital nomads, short-term expatriates, and those who want basic emergency coverage at the lowest possible price. Not recommended for long-term residency applicants or those who need comprehensive coverage.
4. Now Health International – Simplicity and Value
Now Health International is a specialist expat insurer with a reputation for straightforward plans and efficient claims processing. Their plans are designed to be simple, transparent, and easy to understand.
Now Health International – Key Details
| Feature | SimpleCare Core | SimpleCare 100/250 | WorldCare Essential | WorldCare Advance/Excel/Apex |
|---|---|---|---|---|
| Annual Limit | $1,000,000 | $1,500,000 | $3,000,000 | $3,500,000-$4,500,000 |
| Inpatient Coverage | ✓ | ✓ | ✓ | ✓ |
| Outpatient Coverage | Limited | ✓ | ✓ | ✓ |
| Maternity | ✗ | ✗ | ✗ | ✓ |
| Dental & Vision | Add-on | Add-on | Add-on | Add-on |
Pros:
- ✅ Simple, transparent policy terms—no hidden complexity
- ✅ Good customer service reputation
- ✅ Fully digital claims management
- ✅ Competitive pricing
Cons:
- ❌ Smaller provider network than Cigna or BUPA
- ❌ Maternity coverage requires higher-tier WorldCare plans
- ❌ Less well-known in some regions
Best For: Russian expatriates who value simplicity and customer service over brand recognition. Good for digital nomads and remote workers who want straightforward coverage without complicated policy language.
5. Foyer Global Health – The Premium Choice for Comprehensive European Coverage
Foyer Global Health is a Luxembourg-based insurer offering high-quality European health insurance. Foyer is particularly strong for expatriates living in Europe, Turkey, and Georgia, with comprehensive coverage and multilingual support. Trustpilot reviews indicate service is generally good, though some customers report slow reimbursement times .
Foyer Global Health – Key Details
| Feature | Essential | Comprehensive |
|---|---|---|
| Annual Limit | Varies | Unlimited |
| Inpatient Coverage | ✓ | ✓ |
| Outpatient Coverage | ✓ | ✓ |
| Maternity | ✓ (with waiting) | ✓ (with waiting) |
| Dental & Vision | ✓ | ✓ |
| Wellness | ✓ | ✓ |
Pros:
- ✅ Comprehensive European coverage
- ✅ Multilingual customer support
- ✅ Full inpatient and outpatient coverage
- ✅ Dental and vision often included
Cons:
- ❌ Can be expensive
- ❌ Some reports of slow reimbursement processing
- ❌ May require medical underwriting
Best For: Russian expatriates living in Europe, Turkey, or Georgia who want comprehensive coverage with a European insurer. Particularly suitable for those who want treatment options in Europe and Russia.
6. Allianz Care – The European Expert with Digital Excellence
Allianz is one of the world’s largest insurance groups, with strong presence across Europe, Asia, and the Americas. Allianz Care is particularly well-suited for Russian expatriates in Europe, Turkey, and Georgia due to its deep understanding of European healthcare systems, with 125+ million customers in 70+ countries .
Allianz Care – Key Details
| Feature | Care | Care Pro | Care Plus | Care Prestige |
|---|---|---|---|---|
| Annual Limit | €1.25M | €1.75M | €2.5M | Unlimited |
| Inpatient Coverage | ✓ | ✓ | ✓ | ✓ |
| Outpatient Coverage | Add-on | Included | Included | Included |
| Maternity | ✗ | ✗ | ✓ (with waiting) | ✓ |
| Dental & Vision | Add-on | Add-on | Add-on | ✓ |
| Mental Health | ✗ | ✓ | ✓ | ✓ |
| Max Age at Entry | 74 years | 74 years | 74 years | 74 years |
| Age | Premium |
|---|---|
| 30 | $150-240 |
| 40 | $200-320 |
| 50 | $270-420 |
| 60 | $400-600 |
Pros:
- ✅ Excellent digital experience with MyHealth app
- ✅ Strong European network—particularly strong in French, German, Spanish, and Portuguese networks
- ✅ 74% of claims processed within 24 hours
- ✅ Strong financial rating
- ✅ Choice between moratorium and Full Medical Underwriting
Cons:
- ❌ Care is entry-level; Care Pro/Plus is the realistic floor for serious coverage
- ❌ Higher-tier plans are costly
- ❌ Max age 74 can be restrictive for older retirees
⚠️ Important Note: Allianz’s international plan cannot be sold to UAE residents. If you’re considering moving to the UAE, Cigna, IMG, or BUPA are better alternatives.
Best For: Russian expatriates in Europe, Turkey, and Georgia who value digital tools, efficient claims processing, and a trusted European brand. Great for families and tech-savvy expats.
7. AXA Global Healthcare – Fast Claims Processing with Five Coverage Tiers
AXA is one of the world’s largest insurance groups, with strong presence in Europe, Asia, and the Americas, serving 108+ million customers in 51 countries . AXA Global Healthcare is known for fast claims processing and flexible five-tier plans .
AXA Global Healthcare – Key Details
| Feature | Foundation | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|---|
| Annual Limit | £1M | £1.5M | £2.5M | £5M | Unlimited |
| Inpatient Coverage | ✓ | ✓ | ✓ | ✓ | ✓ |
| Outpatient Coverage | ✗ | Limited | ✓ | ✓ | ✓ |
| Maternity | ✗ | ✗ | ✓ (with waiting) | ✓ | ✓ |
| Dental & Vision | Add-on | Add-on | Add-on | ✓ | ✓ |
| Mental Health | ✗ | ✓ | ✓ | ✓ | ✓ |
| Max Age at Entry | 74 years | 74 years | 74 years | 74 years | 74 years |
| Age | Premium |
|---|---|
| 30 | $140-220 |
| 40 | $190-300 |
| 50 | $260-400 |
| 60 | $380-580 |
Pros:
- ✅ Over 80% of eligible claims reimbursed within 48 hours
- ✅ Five tiers provide options for various budgets
- ✅ Strong European presence
- ✅ Virtual Doctor services included on most plans
- ✅ Second Medical Opinion service included
Cons:
- ❌ Foundation tier is thin (primarily emergency and basic inpatient coverage)
- ❌ Pre-existing conditions are not covered on individual/family plans
- ❌ Higher-tier plans are costly
- ❌ Five tiers can be confusing
⚠️ Important: AXA excludes pre-existing conditions on its international plans for individuals and families. If you have a pre-existing health condition, Cigna, IMG, or Allianz would be better options.
Best For: Healthy Russian expatriates who value fast claims processing and a globally recognized brand. Good for younger professionals, digital nomads, and expats who don’t have pre-existing conditions.
Mega Comparison Table: 7 Best Insurances for Russian Expatriates
| Criteria | Cigna Global | IMG Global | SafetyWing | Now Health | Foyer Global | Allianz Care | AXA Global |
|---|---|---|---|---|---|---|---|
| Best For | Comprehensive Coverage | Customization & Value | Digital Nomads (Budget) | Simplicity & Service | European Coverage | Digital Excellence & EU Focus | Fast Claims Processing |
| Avg. Monthly Cost (Age 40) | $240-360 | $160-280 | $65-200 | $150-260 | $220-350 | $200-320 | $190-300 |
| Global Coverage | 200+ countries | Worldwide | 180+ countries | Worldwide | Europe & Global | 180+ countries | Worldwide |
| US Coverage | Add-on | Included | Limited | Add-on | Add-on | Add-on | Add-on |
| Annual Limit | $500k-Unlimited | $1M-8M | $250k-1M | $1M-4.5M | Unlimited | €1.25M-Unlimited | £1M-Unlimited |
| Outpatient Coverage | Add-on | ✓ Included | ✓ (Complete) | ✓ (Higher plans) | ✓ Included | Add-on (Care) / Included | ✓ (Higher plans) |
| Maternity Coverage | Gold/Platinum | Platinum only | ✗ | WorldCare only | ✓ (with waiting) | Care Plus/Prestige | Higher tiers |
| Pre-Existing Conditions | Assessment | Assessment | ✗ Excluded | Assessment | Assessment | Assessment or Moratorium | ✗ Excluded |
| Max Entry Age | 84 | 74 | 69 (Nomad) | No limit | No limit | 74 | 74 |
| Russian Cards Accepted | Check | Check | ✗ | Check | Check | Check | Check |
| Ideal Expat Profile | Families, Retirees | Budget-Conscious | Digital Nomads, Short-term | Value-Seekers | Europe-based Expats | Tech-Savvy, EU-based | Healthy Professionals |
How to Choose the Right Plan for Your Situation
For Russian Expatriates in Georgia
Since Georgia introduced mandatory health insurance for all foreign tourists and business travelers from January 1, 2026 , having a policy that meets the minimum 30,000 GEL requirement is essential. For expats living in Georgia long-term, local Georgian insurance can be good value for routine care. However, if you travel frequently or want treatment outside Georgia, international policies like Cigna, IMG, or Allianz are better choices.
Recommended: SafetyWing (for short-term), IMG (for budget-conscious), or Cigna (for comprehensive).
For Russian Expatriates in Turkey
Turkey has a mixed healthcare system with both public and private options. Russian expatriates often prefer private hospitals in Istanbul, Ankara, and Antalya for faster access and English or Russian-speaking staff. International insurance with outpatient coverage is recommended as routine care adds up quickly.
Recommended: IMG or Now Health (value), Allianz Care (European network), or Cigna (comprehensive).
For Russian Expatriates in Kazakhstan
Russian citizens must obtain a residence permit for long-term immigration, which requires proof of health insurance. Only labor migrants from EAEU countries and foreign citizens with a residence permit can access the mandatory social health insurance system . Temporary visitors must rely on voluntary health insurance or pay out-of-pocket .
Recommended: IMG (value), Cigna (comprehensive), or SafetyWing (short-term).
For Russian Expatriates in the UAE
The UAE has mandatory health insurance requirements for all residents. In 2026, minimum requirements remain standard: the policy must cover emergency care, outpatient treatment, hospitalization, medications, and transportation . International insurance can supplement local coverage or serve as primary coverage if you’re self-employed.
⚠️ Note: Allianz’s international plan cannot be sold to UAE residents . Russian expatriates in the UAE should consider Cigna, BUPA, or IMG instead.
Recommended: Cigna or IMG (UAE availability).
For Russian Expatriates in Thailand
Thailand has a large network of hospitals and clinics, with over 490 facilities in major providers’ networks . Russian expatriates in Thailand have access to local insurers (like Allianz Ayudhya and Pacific Cross) that offer plans specifically tailored for expats . International insurers also offer comprehensive coverage with higher limits.
Recommended: Allianz Ayudhya or Pacific Cross (local Thai coverage), IMG or Cigna (international coverage).
For Russian Expatriates in Cyprus
Cyprus offers a straightforward residency path for Russian citizens through Pink Slip (temporary) or Permanent Residency by Investment. For residence permits, a mandatory “Plan A” immigration policy starts from as little as €120 per year . Many mutualistas in Cyprus have age limits for new members (typically 60-65 years), so Russian expatriates over 60 often need international insurance .
Recommended: Cigna (comprehensive), IMG (budget-friendly), or local Plan A for immigration requirements.
For Russian Expatriates in Europe
Russian expatriates in the EU face tighter visa restrictions, but many have obtained residency through various programs. For European residence, Allianz and AXA offer particularly strong networks in France, Germany, Spain, and Portugal .
Recommended: Allianz Care (strong European network), AXA (fast claims), or Foyer (comprehensive European coverage).
Expert Tips for Choosing Your Insurance
Consider the “Stack” Approach
Many experienced expats recommend a layered approach: combine a high-deductible international plan for catastrophic coverage with paying out-of-pocket for routine care in affordable countries. This strategy works particularly well if you’re healthy and residing in a country like Georgia, Turkey, or Thailand where routine medical costs are relatively low.
Check Payment Methods
Due to sanctions, Russian and Belarusian bank cards are not accepted by some insurers. SafetyWing explicitly states that Russian cards cannot be used for payment, and it’s not possible to request claim reimbursement to a Russian bank account . Russian nationals can still use the insurance worldwide by using a foreign bank account or a friend/family member’s card. Verify payment options with your chosen provider before purchasing.
Understand Pre-Existing Condition Policies
- Cigna, IMG, Now Health, Foyer: Cover pre-existing conditions with medical assessment or moratorium underwriting
- Allianz Care: Offers choice between moratorium (waiting period) and Full Medical Underwriting
- AXA: Excludes pre-existing conditions on individual/family plans—unsuitable if you have a health history
- SafetyWing: Excludes pre-existing conditions entirely
Consider Whether You Need US Coverage
Excluding US coverage saves 40-80% on premiums . Unless you regularly visit the US, choose a plan that excludes the US to keep costs manageable.
If You’re Over 65
Age 65+ is when pricing differences become most significant . Cigna has a max entry age of 84, while Allianz and AXA have 74. If you’re a retiree, consider applying before age 65 to avoid entry age limits.
Final Recommendation: Which Plan Is Best for You?
| If you are… | Recommended Provider |
|---|---|
| A Russian retiree over 60 | Cigna Global (max age 84) |
| A digital nomad (under 1 year) | SafetyWing Essential or IMG Bronze |
| A digital nomad (seeking residency) | IMG Gold or Cigna Silver (comprehensive) |
| A professional with specific health needs | Allianz Care (moratorium option) or Cigna Gold |
| A family with children | Cigna Gold or IMG Platinum |
| Budget-conscious (under $150/month) | IMG Bronze or SafetyWing |
| In Europe | Allianz Care, AXA, or Foyer |
| In Turkey | Allianz Care (strong network) or IMG |
| In the UAE | Cigna or IMG (Allianz not available) |
| In Thailand | Allianz Ayudhya (local) + IMG (international) |
| In Kazakhstan | IMG or Cigna |
| Wanting premium + English support | Cigna Platinum or Foyer |
| At the airport entering Georgia | Any policy meeting the 30,000 GEL minimum |
Final Checklist Before You Buy
- □ Destination country identified
- □ Visa/residency requirements confirmed (including minimum coverage if applicable)
- □ Health insurance plan selected based on your age, health status, and budget
- □ Quotes obtained from at least 3 providers
- □ Policy wording reviewed (coverages and exclusions)
- □ Payment method confirmed (foreign bank account if needed)
- □ Coverage duration matches your stay
- □ Direct billing availability checked in your destination
- □ Customer service contact saved
Удачи и добро пожаловать в ваше новое приключение! (Good luck and welcome to your new adventure!)
Last Updated: June 2026. Insurance policies, visa requirements, and sanctions regulations change frequently. Always verify current requirements with the relevant authorities and obtain updated quotes from providers before making decisions.
