Family Health Insurance

Moving abroad with your family is a rewarding experience — but it also brings unique healthcare challenges. From maternity to pediatric visits and unexpected emergencies, families face higher and more frequent medical expenses than single expats. Family health insurance ensures every member is protected, no matter where your expat journey takes you.

Why It Matters for Expats

Employer plan gaps: Many corporate policies only cover the employee, leaving spouses and children uninsured or underinsured.
High pediatric costs: In Singapore, pediatric consultations cost USD 80–150, while emergency hospital stays for children can exceed USD 8,000.
Maternity care: Deliveries in private hospitals often cost USD 8,000–12,000, and neonatal ICU stays can multiply that.
Peace of mind: Families abroad want security, not surprise bills, when their loved ones need care.

What’s Typically Covered

International family health insurance often includes:

Hospitalization & surgery for all family members.
Outpatient & pediatric care, including vaccinations and regular check-ups.
Maternity & newborn benefits, covering delivery, complications, and neonatal ICU.
Chronic condition management for ongoing illnesses such as asthma or diabetes.
Optional add-ons like dental, orthodontics, and vision care.

Check carefully: Some plans exclude congenital conditions, limit pediatric outpatient visits, or impose waiting periods for maternity benefits.

Example Scenarios

A British family in Hong Kong saved over USD 15,000 when their international family policy covered an emergency C-section and neonatal care.
A French family in Dubai relied on their family health plan for routine pediatric care and annual vaccinations, saving USD 2,000+ per year.

How ExpatFinder Helps

We compare across Allianz Care, April International, Cigna Global, Bupa Global, MSH International, and more to uncover the real terms of family coverage. Some insurers provide meaningful family discounts, while others charge nearly full adult premiums per child. As independent brokers, we push for transparency and negotiate tailored solutions to protect your entire household.

Family health insurance isn’t just another policy — it’s a safeguard for your loved ones abroad. With the right plan, you’ll have peace of mind knowing every member of your family can access quality healthcare, wherever life takes you. ExpatFinder makes sure you know exactly what’s covered — so you can focus on raising your family overseas.