Understand your health coverage abroad
in 1 minute
This interactive navigator helps expatriates and digital nomads understand what level of health protection they may need when living abroad.
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Countries covered
Living abroad changes how healthcare works.
Why this matters for digital nomads
Standard solutions weren't designed for people who live, work, and move globally. International private medical insurance (IPMI) is the only coverage that actually keeps up with you.
You move between 2–5 countries a year and need coverage everywhere
You stay longer than 90 days — beyond what travel insurance allows
You want access to private care, not just emergency rooms
You need proof of insurance for visas or residency permits
You want teleconsultation access no matter your timezone
But healthcare systems abroad work very differently.
Why health insurance abroad is different
Local insurance stops at national borders
Most national health systems don't cover you once you leave the country. Moving frequently means falling through the cracks.
Travel insurance is designed for short stays
Short-term travel policies cap at 90 days and exclude routine care, chronic conditions, and mental health support.
Healthcare costs vary dramatically across countries
A simple hospital visit can cost thousands without coverage. Out-of-pocket expenses vary wildly between countries.
These differences become obvious when you look at healthcare costs around the world.
Healthcare costs around the world
Select a region to see how much healthcare can cost without coverage.
Where are you living abroad?
So what kind of protection actually works for people living abroad?
Myth or reality?
"Travel insurance is usually enough for someone living abroad for 6–12 months."
Different types of insurance work very differently abroad.
Not all international coverage works the same way
See how travel insurance, local systems, and international health insurance compare.
Travel Insurance
Local Insurance
IPMI
For globally mobile lifestyles, protection needs to be more flexible.
Which coverage fits?
You move between Portugal, Bali and Thailand throughout the year. Which type of coverage is usually the most suitable?
This is exactly what international health insurance was designed for.
Made for global lifestyles
Global hospital network
Direct access to top-tier hospitals and clinics in 190+ countries. No need to pay upfront in most partner facilities.
Flexible coverage levels
From essential hospitalization to full outpatient, dental, vision, and maternity. Adjust your plan as your life changes.
Telemedicine anywhere
24/7 teleconsultation with doctors in your language — whether you're in a new city or a remote location.
Designed for global lifestyles
Plans that follow you across borders with no gap in coverage. Built for expats, nomads, and remote workers.
Guess the cost
Without insurance, how much can a medical evacuation across borders cost?
Trusted by global professionals
"I moved to Portugal as a freelancer and had no idea how healthcare worked. APRIL made it stupidly simple — I was covered in 48 hours."
Sarah M.
UX Designer · Lisbon
"As a family of four living between Thailand and France, we needed one plan that worked everywhere. This is exactly that."
Thomas & Léa
Remote workers · Bangkok & Lyon
"The teleconsultation saved me when I got sick in a small town in Mexico. Real doctor, real diagnosis, zero hassle."
James K.
Software Engineer · Mexico City