Built across borders
Cover for international lives
Health coverage for people living, working, or traveling internationally, without one-country assumptions.
International cover for expatriates
REGENCY for EXPATS
Health, life, and group insurance pathways for EXPATS wherever they are in the World. Choose your cover type and complete a application for approval and policy issuance.
Why Choose REGENCY for EXPATS
A practical insurance desk for expatriates, mobile workers, families, tourists, and international companies choosing health, life, or group insurance plans.
3 plans of coverage
Health, life, and group plans
Practical insurance plans for individuals, families, and international teams choosing the right starting point.
Instant estimate
Online Estimate and Application
Enter your details online and get an immediate estimate before submitting your application for review.
3 plans of coverage
Health, Life, and Group
24 hour assistance
Included in health plan details
Direct hospital payment
For approved inpatient claims
Three clear ways to get covered
Each application follows the same clean process: personal details, quote estimate, review, and full submission.
No pre-existing conditions covered
Health Insurance
Portable medical plans for individuals, families, and children living abroad.
Get quoteLife Insurance
Protection for expats who need family security across countries and currencies.
Get quoteGroup Insurance
Employee benefits for expatriate teams, distributed companies, and travel businesses.
Get quoteInternational health plans through REGENCY for EXPATS
We offer Major Medical, Standard, Comprehensive, and Fully Comprehensive health plans. Each plan is designed for internationally mobile people and remains subject to Regency for Expats underwriting, policy wording, and eligibility checks.
Before you apply
These plans are designed for new, eligible medical needs after your cover starts. Pre-existing medical conditions are not covered. Please still declare all medical history accurately during the application.
US$1,000,000 annual limit
Major Medical
A hospital-led international health plan with inpatient protection, emergency assistance, global security benefits, psychology support, and a death benefit.
- Semi-private room and board
- US$25,000 surgeon and professional fee benefits
- US$20,000 oncology cover
- 24 hour emergency assistance
US$1,000,000 annual limit
Standard
A practical international health plan with inpatient cover, emergency assistance, limited outpatient benefits, and global security support.
- Semi-private room and board
- US$25,000 outpatient surgical cover
- GP, specialist, medication, imaging, and lab test benefits
- 24 hour emergency assistance
US$1,000,000 annual limit
Comprehensive
A broader plan for expats who want stronger outpatient, wellbeing, dental, and eligible chronic-condition benefits after cover starts alongside inpatient protection.
- Parental accommodation included
- US$20,000 outpatient oncology cover
- Annual check-ups, vaccinations, and eye test benefits
- Emergency and major dental benefits
US$2,000,000 annual limit
Fully Comprehensive
The highest plan level offered, with full inpatient cover, full outpatient categories, stronger wellbeing benefits, and higher security limits.
- Full cover room and board
- Full cover for listed outpatient categories
- US$10,000 eligible chronic conditions benefit after cover starts
- Full cover terrorism and hostage negotiation benefits
Benefits built around real medical use abroad
The plans cover more than emergency travel mishaps. Depending on the plan level, benefits can extend into outpatient treatment, wellbeing, dental, psychology support, security incidents, and optional evacuation and repatriation.
Inpatient cover
Hospital treatment, intensive care, surgery, emergency room treatment, dialysis, oncology, ambulance, and hospital cash benefits.
Outpatient cover
Benefits can include outpatient surgery, GP and specialist consultation, medication, imaging, lab tests, physiotherapy, and oncology.
Wellbeing
Comprehensive and Fully Comprehensive plans add benefits for medical check-ups, vaccinations, and annual eye tests.
Dental cover
Higher plans can include emergency dental, routine dental, and major dental benefits, subject to waiting periods where stated.
Psychology support
Plan schedules can include 24 hour psychology counselling and 24 hour personal coaching benefits.
Global security
Security benefits can include terrorism, hostage negotiation, hijacking, and mugging cover at plan-specific limits.
Choosing the right plan
More cover usually means higher premiums, so the right plan is the one that matches how you actually use healthcare while living internationally.
- Existing health needs or expected regular treatment
- How often you move between countries
- Your budget for annual medical cover
- Dental, wellbeing, psychology, and security benefits you want included