Free
2026 planning model
Expat Healthcare Cost Estimator
Private international health insurance is one of the biggest ongoing costs for UK expats. This model estimates planning ranges by age, destination and cover level, then explains what each tier usually covers.
Your profile
Select your age and destination region.
Under 35
35–49
50–59
60–69
70+
Europe
SE Asia
Middle East
Americas
USA incl.
No (exclude)
Yes (add ~40–80%)
Just me
Me + partner
Me + partner + children
Providers UK expats commonly compare
- Cigna Global
- Bupa Global
- Allianz Care
- Vitality Global / MSH
- William Russell
- April International
- Now Health International
Select your profile to see estimates.
What do the cover tiers include?
Essential / Budget
- In-patient hospital treatment
- Surgery and anaesthesia
- Emergency evacuation
- Out-patient consultations
- Dental and optical
- Mental health cover
Good for: healthy individuals in countries with good state hospitals
Mid / Standard
- In-patient hospital treatment
- Out-patient consultations (limited)
- Specialist referrals
- Emergency evacuation
- Some mental health cover
- Dental (add-on available)
Good for: most expats in typical destinations
Comprehensive
- Full in + out-patient
- Specialist and diagnostics
- Dental and optical
- Mental health cover
- Maternity (waiting period)
- Emergency evacuation
Good for: families, those with health conditions, USA cover
Source checks
- GOV.UK foreign travel insurance guidance for exclusions, medical-condition disclosure and extended-travel limitations.
- NHS UK GHIC and EHIC guidance for what state healthcare cards do and do not cover.
- Bupa Global and Cigna Global for common IPMI benefit categories such as evacuation, repatriation and out-patient add-ons.