INSURANCE COMPARISON
Protect your health.
Your plans. Your people.
First understand what each kind of cover protects. Then compare real plans with their documents, markets and limitations in view.
ExpatMedicare educational information · Policy terms govern
Different needs. Different kinds of protection.
Choose two to six cover types.
2 cover types selected. Your comparison below updates with your choices.
Your cover comparison
Health plans: eligible healthcare. PA: a covered accident. CI: a precisely defined illness and cash benefit. Term life: a covered death during the term. Different triggers — potentially complementary protection.
Category-level education, not a policy benefit guarantee, personal recommendation or confirmation of availability.
Scroll sideways to compare every selected cover · 2 columns
| The difference | IPMILong-Term Health | TITravel Insurance |
|---|---|---|
| What it is for | International private medical insurance (IPMI) for an ongoing healthcare arrangement abroad. Benefit modules, medical acceptance, residence eligibility and renewal terms determine the protection; no plan automatically includes every form of care. | Protection for eligible unexpected events during a defined trip. Medical emergencies, cancellation, disruption and baggage are separate benefit sections. Maximum trip length, residence, purchase timing, activities and medical-history rules must be checked before relying on cover. |
| What triggers a claim | Eligible medically necessary treatment within the chosen benefits, area and accepted medical terms. | An eligible unexpected illness, injury or specifically defined trip event during insured travel. Each purchased benefit has its own conditions. |
| Benefits that may apply | Hospital and day-patient care; outpatient, medicines, maternity, dental or other modules only where included. No plan automatically includes every type of care. | Emergency medical, cancellation, curtailment, delays, baggage, liability or approved transport only when included and the defined event qualifies. |
| How it pays | Eligible medical expenses reimbursed, or eligible providers paid under confirmed arrangements. Deductibles, copays and limits can remain. | Eligible trip losses or emergency medical expenses reimbursed under the relevant section; approved provider/assistance payments may apply. Excesses and sublimits matter. |
| How long it lasts | An ongoing healthcare arrangement with contract-specific renewal rules. Renewability does not guarantee fixed premiums or portability. | Single-trip dates or annual multi-trip cover with a separate maximum length per trip. An annual policy does not mean a year-long trip is eligible. |
| Who receives payment | The insured/policyholder for reimbursement, or an approved healthcare provider where payment arrangements are confirmed. | The eligible claimant for insured losses, or approved medical/assistance providers where arrangements apply. |
| Medical history & acceptance | Medical history and the stated underwriting method can lead to exclusions, adjusted premiums, restrictions or decline. Chronic care in a brochure is not acceptance of your condition. | Pre-existing conditions may be excluded or require a declaration and written acceptance. An emergency does not override an exclusion. |
| Important boundaries | Residence, area, benefit sublimits, waiting periods, authorisation and exclusions matter. Direct billing and evacuation are not universal. | Purchase timing, residence, itinerary, activities and travel advisories can restrict cover. Baggage, evacuation and every cancellation are not automatically insured. |
| What it does not replace | Not a substitute for defined-illness cash benefits, family death benefits or insured cancellation and baggage losses. | Not ongoing healthcare, routine chronic monitoring or planned treatment while living abroad; not full life or defined-illness cash protection. |
| Overlaps & combinations | May complement travel cover for trip losses, CI for qualifying cash support and term life for dependants. Coordinate medical reimbursement rather than assuming duplicate claims. | Can complement an ongoing health plan with eligible trip-loss benefits. Temporary IPMI is a distinct option when routine care matters, not an automatic replacement. |
| Next steps | ||
| Education & references | Long-Term Health educational guide | Travel insurance educational guide |
Summaries drawn from our existing health, travel and protection guides. Actual benefits require the current wording, schedule and accepted terms. Photographs: illustrative Unsplash imagery, not staff or clients. No premiums or insurer eligibility inferred.
Your destination changes the questions
Thailand
Bangkok, provincial care & island transfers
China
Mainland care, international clinics & cross-border cover
Singapore
Work-pass cover & specialist pathways
Hong Kong
Public fee categories & private-room rules
Indonesia (Bali)
Island care, activities & evacuation
Vietnam
City-based care & rural transfers
Japan
Local enrollment, referrals & prescriptions
Malaysia
Peninsular care & Borneo itineraries
South Korea
Enrollment & local treatment pathways
Australia
Medicare & reciprocal eligibility
UAE (Dubai)
Dubai employer obligations & network tiers
France (CFE)
CFE, complementary cover & return to France
Spain
Regional entitlement & private networks
Portugal / Schengen
SNS registration & funded-care checks
United Kingdom
England NHS access & private care
United States
US networks, authorisation & member costs
Comparison questions
Which published facts matter for my comparison?
Match the legal issuer, residence market, product version, inpatient and outpatient benefits, treatment area and contribution rules. Then compare written medical acceptance, renewal and provider arrangements. Brand names alone cannot identify a suitable contract.
Are premiums available for ages 25, 35, 45, 55, 65 and 75?
No publication-ready matched prices are available here. The internal Thailand research sample has 17 plan quotations per age, below the 20-quote threshold, with deductible, tax and eligibility checks unresolved. It is not a public price index or proof of age-75 entry acceptance.
Does a newer brochure make an insurer better?
No. A document date identifies a version, not superiority or availability. Obtain the current policy for your residence and accepted schedule before choosing or replacing cover.