Medical insurance for expats abroad
Full-strength international cover for expats living overseas - apply online and be insured in under 48 hours.
How to get covered
Getting international medical insurance is simple. Here is how it works.
Learn About Us
See who we are, who underwrites your policy, and the protection you get with cover from Regency Assurance.
Compare Plans
Review our four cover levels and find the right fit.
Get Your Quote
Enter a handful of details and the calculator returns a personalised quote in real time.
Apply Online
Submit your application. Cover usually starts within 24-48 hours.
Why Choose Us
Expat Healthcare 360 is an authorised distributor of international health and medical policies underwritten by Regency Assurance.
Countries covered
Cover available worldwide except the USA
Affordable annual cover from a tier that fits your needs
Years of Experience
A decade serving expats living overseas
Happy Customers
Insured expatriates across 60+ home countries
Emergency Support
Talk to a real human any hour of any day
Claim Processing
Most outpatient claims paid within three business days
We've got you covered medically
Every policy includes practical support beyond hospital bills. You can choose any hospital or clinic globally, with 24/7 assistance, direct billing where available, psychology support, global security benefits, and a US $10,000 life benefit built into every tier.
24/7 global emergency assistance
A multilingual emergency line is included with every plan, from Major Medical to Fully Comprehensive.
Customisable cover
Add Evacuation & Repatriation if needed, choose your payment frequency, and review options with a human adviser before you apply.
Choose any hospital
Choose any hospital or clinic globally. Direct settlement can be arranged where available, so you are not limited to a network.
Specialists in 150+ countries
Access specialist consultations and second opinions without leaving the policy.
Four cover levels
We help you choose the best-suited plan tier, keeping the decision simple by comparing each tier side by side so you can judge cost versus benefit.
Major Medical
1m USD inpatient cover. A cost-effective safety net covering hospital stays and emergencies up to a one-million-dollar annual limit. Best for healthy expats who want strong protection against the unexpected without paying for day-to-day care.
Standard
1m USD inpatient cover. Balanced inpatient protection with limited outpatient support for everyday medical needs.
Comprehensive
1m USD inpatient cover. Our most popular plan, with stronger outpatient, wellbeing, and dental benefits for long-stay expats and families.
Fully Comprehensive
2m USD full inpatient and outpatient cover. The broadest tier for expats who want the highest limits and the fewest compromises.
Choosing the right medical insurance plan
Four quick factors to weigh up before you pick a tier. Not sure? Send us a WhatsApp and we will recommend one.
Your health
If you already have a regular doctor or condition, a higher-tier plan with outpatient cover will likely save you money over time.
Country of residence
Most clients are settled overseas, so choose cover around your country of residence, local hospitals, and the trips home you actually make.
Your budget
Premiums scale with cover level, age, and country of residence. We help you choose enough cover without adding extras that do not make sense.
Lifestyle
Single expat, family-first household, retiree, or professional abroad - the comprehensive tiers include benefits tuned to each.
Claims process for medical insurance
Our claims process is built for speed: send claim documents by email to our 24/7 team, an underwriter reviews the claim, and approved inpatient bills can be settled directly with the hospital.
Receive treatment
For emergency or inpatient care, call the 24/7 line printed on your policy card. The hospital will usually contact the insurer directly.
Submit your claim
For outpatient or reimbursable claims, email receipts and supporting documents to our 24/7 team.
Claims review
Underwriters review the submission to make sure the treatment falls within your policy benefits.
Direct payment
Approved inpatient claims are paid to the hospital directly. Outpatient claims are refunded straight to your account.
Why choose us?
We help you choose the best suited plan tier for you. Keeping it simple comparing the benefits of each tier side by side so you can better judge cost versus benefit.
Experienced insurance brokers
Specialist support from people who work with expat clients every day.
Competitive cover for expats
Competitive cover arranged through long-standing relationships globally.
Easy online process
Compare, quote, and apply online without unnecessary paperwork.
You get clear guidance before buying, simple online administration, and real human support over WhatsApp, email, or phone.
What Our Expats Say
Real-world feedback from expats living abroad covered by Regency Assurance through Expat Healthcare 360.
Smooth onboarding from start to finish. The calculator was clear about what I was paying for and a real person answered when I needed clarity on outpatient cover.
Amelia Grant
British teacher - ValenciaFinally an international policy that understands expat life is already complicated. I added my partner halfway through the year and the change was painless.
Daniel Hughes
Finance contractor - DubaiI had a small emergency in Oaxaca and the hospital was paid directly - no paperwork from me. That alone makes the premium worth it.
Priya Shah
Consultant - SingaporeAbout us
Learn about Expat Healthcare 360 and how we protect you abroad.
Get a quote
Ready to apply? Get your personalised quotation online in minutes.
Compare plans
We help you choose the best-suited plan tier by comparing benefits side by side, so you can judge cost versus benefit clearly.
Help & FAQs
Have any questions? See our FAQs or contact us anytime.
Ready to get covered?
Join hundreds of expats living overseas who trust Regency Assurance, arranged through Expat Healthcare 360, for worldwide health cover.