Request a personal quote Tell us who needs cover and what matters to you. We'll match plans across our insurers and email you a personal, like-for-like comparison — free, with no obligation.
Who needs cover Still needed to continue: your date of birth, your sex, your country of residence, your nationality.
Dependants + Add dependant
Benefits you need, Deductible/Excess and Co-pay In-patient cover is included on every plan we compare. Beyond that, tap any benefits you want and we'll only show plans that include them all — leave them off to see every plan.
In-Patient Evacuation Cancer Chronic Conditions Psychiatric Out-Patient Well-Being Dental Optical
Deductible / Excess Deductible / excess range Drag both ends to set the excess range you'd accept. A higher excess lowers your premium — you pay the first part of a claim yourself. How it applies varies by insurer — annually (e.g. Expacare on all benefits; IMG on in- and out-patient treatment), in-patient only (e.g. Optimum Global, Pacific Cross), or per condition (Expatriate Group); your comparison states each plan's own basis.
Co-pay Any / none 10% 20% 30%
A co-pay means you pay that percentage of each claim yourself, in exchange for a lower premium. We apply it to the plans whose insurer offers that level; the others are still included, unchanged.
Payment frequency Annual Semi-Annual Quarterly Monthly
Area of cover Any (cheapest eligible) Worldwide (incl. USA) Worldwide (excl. USA) Regional
Medical history (optional) Is there any medical history we should work around?
No medical history to work around — show me all insurers I want cover for stable, managed conditions — hypertension, type 2 diabetes, high cholesterol or gout Stable means controlled with routine medication and check-ups, not recent hospital treatment. Optimum Global and Expacare have covered these conditions on a regular basis, so we'll show you those. Type 2 diabetes that you have had for more than 10 years is generally not accepted. I have past medical history, but no chronic conditions — and I've been clear of it for 2 years Clear means you have not sought or received advice, treatment, therapy, a special diet, symptoms or medication in the two years before your intended start date, whether or not the condition was ever diagnosed. Expatriate Group's plans are built around exactly this, so that's who we'll show you. That can include serious past conditions — even cancer in full remission — with a doctor's report confirming the 2 clear years. If you are unsure, please reach out to us to ask advice. Something else — tell us about it and we'll advise Anything that doesn't fit the answers above. We'll review what you tell us and come back to you with advice.
Underwriting (optional) Lifestyle & BMI (optional) Entering these is optional, but it helps us price more accurately and can open up better rates and underwriting options with some insurers — height and weight (BMI) affect Optimum Global's pricing and HCI Protector-21 moratorium eligibility, and your lifestyle answers affect Expacare's premiums. One column per person — you and every dependant you've added above.
Expacare re-prices on these answers. If you fill them in, the Expacare premium in your comparison is calculated from your own profile rather than a cautious standard one — which is usually cheaper. Leave them blank and we quote the standard assumption instead.
Height and weight are used together to calculate BMI automatically. Nothing here is required — leave any field blank. Tip: 1 pint of beer = 2.5 alcohol units, 1 bottle of wine = 10 units.
Insurers (optional — all eligible insurers are included unless you narrow the list) Enter your country of residence and nationality above to see the insurers available to you.
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