International health insurance built for expats and digital nomads living outside their home country — so a change of address, or a new country every few months, never means a gap in cover.
We hear the same three stories from expats, again and again.
Domestic health insurance is usually built around domestic healthcare systems — and quietly stops paying out the moment you're treated somewhere else.
Policies taken out years ago in a different country, at a different age, are rarely reviewed against where — and how — you actually live today.
When something happens overseas, a policy number isn't enough — you need a global assistance line that actually answers, and a network that pays hospitals directly.
Plans are underwritten by Regency for Expats, an international health insurer covering clients in over 120 countries. Here's how the core levels of cover compare.
| Benefit | Major Medical | Standard | Comprehensive | Fully Comprehensive |
|---|---|---|---|---|
| Overall annual limit | US$1,000,000 | US$1,000,000 | US$1,000,000 | US$2,000,000 |
| Inpatient (hospital) treatment | ||||
| Room, surgery, ICU & emergency treatment | Full cover | Full cover | Full cover | Full cover |
| Surgeon & specialist fees | Up to US$25,000 | Up to US$25,000 | Up to US$25,000 | Full cover |
| Oncology (cancer treatment) | Up to US$20,000 | Up to US$20,000 | Up to US$20,000 | Full cover |
| Organ transplant | Not covered | Not covered | Up to US$100,000 | Full cover |
| Outpatient treatment | ||||
| GP & specialist consultations | Not covered | Up to US$750 | Up to US$750 | Full cover |
| Prescribed medication, imaging & labs | Not covered | Up to US$750 | Up to US$750 | Full cover |
| Physiotherapy | Not covered | Not covered | 5 visits/yr | 10 visits/yr, full cover |
| Wellbeing & dental | ||||
| Annual health check-up | Not covered | Not covered | Up to US$250 | Up to US$500 |
| Routine & major dental | Not covered | Not covered | Major only, up to US$750 | Routine & major, up to US$750 each |
| Security & assistance | ||||
| 24-hour emergency assistance | Full cover | Full cover | Full cover | Full cover |
| Terrorism & personal security | Up to US$50,000 | Up to US$100,000 | Up to US$150,000 | Full cover |
| Evacuation & repatriation | Available as an optional add-on on every plan, up to US$100,000 | |||
This is a simplified summary for comparison only — it isn't the full policy wording. Every plan above also includes a modest US$10,000 life benefit as standard. Looking for more substantial, stand-alone life cover for your family or income? See our Life Insurance page. Pricing depends on your age, country of residence and the plan you choose — we'll confirm exact terms and a personal quote before you commit to anything.
Regency for Expats is part of Regency Assurance, an international insurance and financial services group operating under long-term insurance licences.
Every insurance policy has terms and limits — here are the ones worth knowing upfront.
Conditions you already knew about before your start date generally aren't covered unless they're specifically declared and accepted in writing beforehand.
A small number of benefits — routine and major dental among them — only start paying out after an initial waiting period, typically six months.
Planned inpatient and day-case treatment must be approved in advance so the insurer can pay the hospital directly. Emergencies are handled differently — call the 24-hour assistance line as soon as you're able to.
An independent claims adjudication team processes claims, so outpatient pay-and-claim requests and larger settlements are assessed fairly and separately from the sales side of the business.
Answer a few quick questions and one of the Regency for Expats team will call you directly to talk through cover and pricing — no obligation, and it makes no difference to the cover you receive.
These details are passed straight to the Regency for Expats team so they can prepare an accurate quote before they call — no spam, no pressure.