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Provider guide

Expat Insurance Providers Compared

A plain-English guide to the major international health insurance providers — what they are good at, who they suit, and how they differ.

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The providers

Who we work with

We work with six leading international insurers. Here is what each one is best known for.

Cigna Global

Best for: Comprehensive worldwide cover with strong European networks

  • One of the largest international health insurers globally
  • Modular plan: add dental, vision, mental health as needed
  • Widely accepted for European visa and residency applications
  • Strong inpatient and outpatient coverage across all European countries

Price range: From approx. €150–400/month (individual)

AXA International

Best for: Expats wanting a trusted European brand with global reach

  • Part of the AXA Group, one of Europe's largest insurance groups
  • Strong hospital network across France, Spain, Italy and Germany
  • Good maternity cover options for growing families
  • Popular with long-term residents and families

Price range: From approx. €140–380/month (individual)

Allianz Care

Best for: Internationally mobile expats needing flexible, portable cover

  • International division of Allianz, one of the world's largest insurers
  • Designed specifically for internationally mobile people
  • Strong digital claims process and member portal
  • Comprehensive mental health and wellbeing coverage

Price range: From approx. €160–420/month (individual)

April International

Best for: Budget-conscious expats in Europe seeking good value IPMI

  • French-founded insurer with deep European market expertise
  • More affordable entry-level plans than the major global providers
  • Popular with expats in France, Spain and Portugal
  • Good option for younger expats and digital nomads needing visa cover

Price range: From approx. €100–280/month (individual)

SafetyWing

Best for: Digital nomads and frequent movers on a budget

  • Subscription-style nomad health insurance — cancel any time
  • Much lower cost than full IPMI plans
  • Limited ongoing and outpatient coverage compared to IPMI
  • Not always accepted for European visa and residency applications

Price range: From approx. €40–100/month

Foyer Global Health

Best for: Expats in Luxembourg and cross-border workers in the Benelux region

  • Luxembourg-based insurer with strong regional expertise
  • Good for expats working for international organisations and EU institutions
  • Competitive family rates
  • Highly rated by clients for service and claims handling

Price range: From approx. €120–300/month (individual)

Quick comparison

At a glance

Cigna AXA Allianz April SafetyWing Foyer
Visa-accepted ✅ ✅ ✅ ✅ ⚠️ ✅
Dental (add-on) ✅ ✅ ✅ ✅ ❌ ✅
Maternity ✅ ✅ ✅ ✅ ❌ ✅
Mental health ✅ ✅ ✅ Limited ❌ ✅
Price from €150/mo €140/mo €160/mo €100/mo €40/mo €120/mo

Price estimates are approximate and vary based on age, health history, coverage level, and country of residence. All figures are indicative. Get a personalised quote through Valenvia for accurate pricing tailored to your situation.

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