International health insurance

Retiring abroad is an exciting prospect. A lower cost of living, a warmer climate, and a slower pace of life are just some of the reasons many retirees choose to spend their later years overseas. But one thing that is easy to overlook in the planning stage is healthcare. Where you choose to live will have a direct impact on what kind of health cover you need, what it costs, and how far your retirement budget will stretch.

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Having health insurance does not necessarily mean feeling fully protected abroad. The 2026 Health Barometer, produced by Expat Communication in partnership with the Caisse des Français de l’Étranger (CFE) and APRIL International, highlights a striking gap between formal health coverage and expatriates’ real-life experience of accessing care.

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When you live, work or study abroad, understanding how medical reimbursements work is essential to avoid unexpected healthcare costs. Depending on the country, the type of treatment received and the level of cover selected, you may either pay your medical expenses upfront and claim them back, or benefit from direct billing with certain healthcare providers. Here is how reimbursements usually work with international health insurance.

For many Italians living abroad, returning to Italy for medical care has long been seen as a reassuring option. However, access to the Italian National Health Service is not automatic for citizens registered as living overseas. A new measure could allow Italians living outside Europe to access healthcare in Italy by paying an annual contribution of €2,000. But what does this mean in practice, and how can expatriates make sure they are properly covered both abroad and when returning to Italy?

As an expat, when the question comes to what kind of medical coverage you want for yourself, your family, or even your company, one of the decisions you’ll need to make is whether you want to take out a local private health plan or an international health insurance plan.

When you move abroad, you may lose your healthcare benefits in your home country. It is recommended that you check before you leave and find the right international health insurance for your needs.

It’s decided, you’re setting on an adventure abroad! As your move to a new country begins to take shape, have you given any thought to your health insurance? Choosing the right health coverage is pivotal to starting your life abroad with peace of mind, ensuring you’re protected in case life throws you a curveball. To help you navigate this important choice, we’ve gathered invaluable insights from experienced expats.