When moving abroad, one of the most important things to sort out is your health insurance. Whether you’re an expat, international student, digital nomad or frequent traveler, choosing the right expatriate insurance for example can save you money, reduce stress and ensure you get the care you need—wherever you are in the world.
So how do you choose between local and international health insurance? This guide breaks down the key differences, benefits and things to consider, to help you choose the plan that fits you best.
What is local health insurance
Local health insurance is designed for people living in one specific country, usually citizens or long-term residents. These plans typically give you access to the public healthcare system or a limited network of private hospitals and clinics within that country.
Who is it for?
Local plans are best suited to people who are settled in one country and don’t plan to travel regularly. In many cases, they’re only available to individuals who can provide a local address, bank account, phone number, and proof of residence, which can be a barrier for new expats.
Benefits of local health insurance :
- Sometimes more affordable for basic coverage
- Meets local healthcare regulations
- Access to local doctors and hospitals
Limitations to keep in mind:
- Coverage usually ends the moment you leave the country
- May not include private or specialist care
- Communication challenges if you don’t speak the local language
- May not meet visa or immigration health insurance requirements
- Expats may not be eligible for coverage
What is international health insurance
International health insurance is made for individuals with a global lifestyle: those living abroad, relocating frequently or traveling across countries for work, study, or personal reasons. These plans offer access to high-quality healthcare, wherever you are in the world. Top 5 myths about health insurance often prevent people from securing the coverage they need. At Mondassur, we help you see beyond the misconceptions—making it easier to choose the right plan with confidence.
Who is it for?
Ideal for expats, international students, global professionals, retirees abroad and digital nomads.
Key features:
- Expat friendly sign-up, without residency restrictions
- Worldwide coverage with a single policy
- Freedom to choose your doctor, clinic or hospital
- Emergency evacuation and medical repatriation
- Multilingual customer service and 24/7 support
- Tailored benefits for dental, optic, maternity, mental health and more
- Easy online claims and fast reimbursements
At Mondassur, we make healthcare simple for anyone living or moving abroad. Our international health insurance protects you from day one, no matter where you are or how long you stay.
Key difference between local and international health insurance
| Feature | Local Insurance | International Insurance |
| Geographic Coverage | One country only | Global coverage across multiple countries |
| Eligibility | Requires local documents (e.g. bank account, address) | Designed for expats and mobile individuals |
| Provider network | Limited to local hospitals and clinics | Access to a global network of top-tier health-care providers |
| Language & Support | Local language only | Multilingual service |
| Emergency Evacuation Services | Often excluded | Includes evacuation and repatriation |
| Claims Process | Local, sometimes paper-based | Online, fast, accessible from anywhere |
| Flexibility | Limited plan options | Customizable based on your lifestyle and needs |
Is local health insurance enough?
While local insurance works for some people, it might not provide enough coverage for people living overseas or traveling often. Some of the common challenges include:
- No international coverage : You’re likely uninsured once you leave the country.
- Limited provider network : You may be restricted to certain doctors or clinics and may not be able to access private hospitals that meet international standards.
- Language barriers : Communication issues can slow down care in emergencies, especially if local services don’t offer multilingual support.
- Bureaucracy and eligibility difficulties : You may need a local bank account, address or residency permit just to sign up.
- Doesn’t meet visa or expat requirements : Many countries require proof of international coverage for visa approval.
At Mondassur, we provide international health insurance tailored to your lifestyle whether you need student, expat or travel health insurance. Our flexible plans offer global coverage, freedom to choose providers and optional benefits like maternity or dental care. With 24/7 multilingual support and easy online claims, you’re covered wherever life takes you.
How to choose the right plan for your needs
Whether you’re an expat, student, traveler or working remotely, the right health insurance depends on your lifestyle. Some plans are built for long-term stays abroad, while others focus on short-term travel or academic coverage. Whatever your situation, having reliable international protection gives you the freedom to live and move confidently.
For a safe and stress-free experience abroad, choosing the right health insurance is essential. Mondassur offers trusted, comprehensive plans designed for global citizens, so you’re covered wherever life takes you.
Contact Mondassur today for personalized advice and get your free quote.
