Indicative International Health Insurance Calculator
Planning a move abroad? Get an instant estimate for your international private medical insurance premium based on your needs.
Who needs coverage?
Number of Adults
Number of Children (0-17)
Coverage preferences
Customise your premium
Policy Excess (£) - Higher excess = Lower premium
Payment Frequency
Currency
Compare Insurance Plans
Choose the right level of coverage for your needs. Higher tier plans include additional benefits like dental care, maternity coverage, and specialized treatments.
| Coverage Features | Standard | Standard Plus | Comprehensive | Premium | Elite |
|---|---|---|---|---|---|
Annual limit £/$/€ | 500,000 | 750,000 | 1,000,000 | 1,500,000 | 2,000,000 |
In-patient and day-patient treatment | |||||
Evacuation and repatriation | |||||
Treatment for cancer | |||||
Cash benefits | |||||
Home country cover excluding USA | |||||
Out-patient consultations and diagnostics | |||||
Treatment for chronic conditions | |||||
Emergency treatment outside area of cover | |||||
Routine health checks | |||||
Organ transplants | |||||
Dental | |||||
Routine Maternity | |||||
Infertility treatment |
Need help choosing the right plan? Our insurance experts can provide personalized recommendations based on your specific health needs and budget.
Get Expert AdviceInternational private medical insurance calculator guide
WeCovr's international health insurance calculator helps UK residents estimate global cover costs, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. It is a practical way to compare international private medical insurance before requesting advice.
What this international health insurance calculator estimates
The calculator uses plan tiers, region of cover, ages, and excess options to estimate indicative premiums. It is designed for early budgeting rather than final pricing, which will depend on medical underwriting and insurer pricing.
If you are relocating or travelling long-term, international private medical insurance UK providers often price based on region and benefit level, not just age.
Region of cover influences premium the most.
Plan tier changes outpatient and routine cover limits.
Excess and co-insurance reduce premiums in exchange for higher out-of-pocket costs.
How to select the right region and plan level
If you need access to treatment in the USA, premiums are substantially higher. For many expats, excluding the USA reduces costs while still providing broad global cover.
Plan levels typically vary by annual limit, outpatient allowances, and extras such as dental or wellness benefits.
Why compare international PMI with WeCovr
WeCovr provides FCA-authorised guidance and high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
If you need advice on how international private medical insurance UK policies compare to local healthcare or employer schemes, our advisers can help.
Data sources and guidance references
This guide references insurer benefit summaries, FCA guidance on insurance advice, and UK government travel health resources for context.
International health insurance plan tiers compared
| Plan tier | Estimated cost | Key factors | Best for |
|---|---|---|---|
| Standard | Lower | Core inpatient and day-patient cover | Budget-focused expats |
| Comprehensive | Mid | Higher outpatient and wellness benefits | Families and frequent users |
| Premium | Higher | Broadest benefits and limits | High usage or US coverage |
Related WeCovr resources
FAQs
Is international health insurance the same as UK private medical insurance?
It is similar in purpose but differs in pricing and benefits because it covers multiple countries and often higher treatment costs.
Why does USA cover increase international PMI premiums?
US healthcare costs are significantly higher, so insurers charge more when USA treatment is included.
Can I reduce the cost of international private medical insurance?
Yes. Increasing the excess, excluding certain regions, or choosing a lower plan tier can reduce premiums.
How should I use this calculator result?
Treat it as an indicative budget range and confirm final pricing through underwriting and adviser guidance.
