There is no single price for international health insurance, and any figure quoted without your details is close to meaningless. What can be explained is what moves the price — which is more useful when comparing quotes.
The variables that matter most
- Age. Generally the strongest single driver. Premiums typically rise with age, and some plans restrict enrollment at older ages.
- Area of coverage. Including the United States usually raises the price substantially compared with worldwide-excluding-U.S. options.
- Deductible and cost-sharing. Accepting a higher deductible can lower premium materially.
- Plan level. Inpatient-only or catastrophic plans cost less than comprehensive plans with outpatient and routine care.
- Country of residence. Some plans price by where you live, reflecting local healthcare costs.
- Who is covered. Each family member adds premium; maternity options add more.
- Medical history. Underwriting may add loadings or exclusions.
- Optional modules. Dental, vision, evacuation, and wellness options each add cost.
Comparing quotes properly
Two quotes at different prices are often two different products. Before comparing price, line up area of coverage, deductible, annual and lifetime limits, outpatient coverage, exclusions, and evacuation. A cheaper quote is frequently cheaper because it covers less.
The cost people forget
The premium is only part of the cost. Deductibles, co-insurance, and out-of-pocket maximums determine what a bad year costs. Compare the worst plausible year, not just the annual premium.
Our guide to deductibles and limits explains how those pieces interact.
Living abroad, or about to? Tell us where, for how long, and who is covered. International health overview