International Health Insurance
International private medical insurance for expatriates and globally mobile families.
Standard health insurance is jurisdictional. It covers you at home, with your local provider, on your local premium. The moment you leave, it stops. Or worse — it continues on paper but excludes the treatments and hospitals available where you actually live. For internationally mobile professionals and their families, this is a real and recurring problem. Each country move triggers a new insurance search, a new underwriting process, a new policy with new exclusions — and often a gap in coverage in between.
International private medical insurance is designed for exactly this. A single policy that covers you wherever you are, with access to private healthcare in the countries you live and travel in, without the administrative nightmare of switching providers every time your assignment changes. It travels with you, adapts to your geography, and maintains continuity of cover regardless of where your career takes you next.
Choose the geographic scope that matches your life — full worldwide coverage, or regional plans that exclude high-cost markets like the US where appropriate.
Comprehensive cover that goes beyond hospitalisation — including consultations, diagnostics, specialist treatment and emergency evacuation where needed.
A single policy that covers your whole family, regardless of whether you and your children are in the same country at the time of a claim.
When your assignment ends and you move to a new country, your policy moves with you. No gaps, no new applications, no fresh underwriting of pre-existing conditions.
We work with leading international health insurers and help you select a policy that matches your geography, your budget and your family's specific needs. We compare the market on your behalf, explain the differences plainly, and help you avoid the exclusions and underwriting traps that catch out first-time buyers of international cover. Coverage is reviewed whenever your circumstances change — a new assignment, a new country, a change in family size — so your policy always reflects where your life actually is, not where it was when you first applied.
We'll review your current coverage and tell you exactly where the gaps are.
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Standard domestic health policies are designed for residents who access a single national healthcare system. When you live and work across borders, those policies break down fast. Expat health insurance is underwritten for international mobility — it follows you between countries, covers treatment in multiple jurisdictions, and does not exclude pre-existing conditions simply because you have moved.
The Compass Group works with a panel of specialist international health insurers to match clients with cover that reflects their actual situation: which countries they are moving between, whether their employer provides any baseline cover, how often they return home for treatment, and what level of private care they want access to.
Area of cover is the single most important variable. A worldwide policy including the US carries a significantly higher premium than one that excludes it. We help clients understand these trade-offs and select cover that is not unnecessarily expensive for their actual travel patterns.
Maternity, dental, optical, and mental health coverage vary enormously between policies. We review the full schedule of benefits, not just the headline premium, so clients understand exactly what they are buying before they need to use it.
This website is operated by The Compass Group for general information purposes only. TCG entities are licensed in Mauritius (FSC Licence GB22200341) and Malaysia (Labuan FSA Licence BS2019130). This website is not directed at, and must not be accessed by, persons in the United Kingdom or the United States. Nothing on this website constitutes financial or investment advice. By proceeding, you confirm you are not a resident of the United Kingdom or the United States.