One annual policy. 190+ countries. Serious medical coverage - from specialist consultations to emergency surgery - wherever life takes you.
Whether you call three countries home or spend every month in a different city, Global Medical Cover is designed around how you actually live.
You've built a life in another country. When something serious happens, you want real choices - the right hospital, the right specialist, in the right country - with the option to be treated where you are or back home. Your local employer plan won't stretch that far. This does.
Bangkok this month, Medellín next, Tbilisi after that. Most insurers can't keep up. One annual policy covers you everywhere you go - no restarting cover, no buying per-trip insurance every time you land somewhere new.
Your home system may not offer the best treatment for what you need. This gives you the freedom to seek the right care wherever it is - Germany, Singapore, Thailand or the UK - without being trapped by geography when your health is on the line.
No lengthy forms. Get your exact premium, choose your cover level, and apply - all in one place.
Enter your age, location area, and payment preference. See prices for all four cover levels immediately - exact prices, not estimates.
Compare Major Medical, Standard, Comprehensive, and Fully Comprehensive. Select what fits your needs and budget.
Fill in your personal details and health declaration. Takes about 5 minutes. Submitted securely to our underwriter.
Once approved by the underwriter, receive your confirmation and a secure payment link. Pay and you're covered.
Exact prices · Takes 30 seconds · No card required
Each level includes everything in the plan below it, plus additional benefits. All plans include Global Security cover, 24/7 psychology support, and a $10,000 death benefit.
Our entry-level plan provides robust coverage for serious inpatient medical events. Hospital stays, surgery, kidney dialysis, oncology, emergency room - and more. Ideal for younger, healthy individuals who want solid worldwide protection at an affordable premium and are comfortable managing day-to-day healthcare costs themselves.
The most popular choice for expats and digital nomads. Adds comprehensive outpatient coverage so you're protected for day-to-day medical needs as well as serious events - GP visits, specialist consultations, diagnostics, and outpatient surgery - in any covered country.
For those who want genuinely rounded protection. Adds rehabilitation, parental accommodation, organ transplant cover, physiotherapy, chronic condition management, annual health checks, and vaccinations - the full picture for whole-person health.
Maximum protection with no compromises. Everything in Comprehensive becomes full cover. Room & board upgrades to a private room. Surgeon's and professional fees become unlimited. Dental, optical, vaccinations - all fully covered. The highest limits at every level.
Instant prices · No registration · Takes 30 seconds
From digital nomads to long-term expats, here's what members say about having serious medical cover wherever life takes them.
"The support from all the team at Regency was excellent. I received telephone calls and constant emails to keep me up to date with information regarding my claim. A first class service, and I can recommend Regency for health insurance."
"Claims are paid out within days, and email communication is great. I have never had a valid claim rejected. The communication and service is exceptional - I would recommend without hesitation."
"I've had two claims with Regency for Expats, and can only speak highly of their service, the claims process and the speed at which the funds were returned to my account. Quick and without any delay or hassles."
"As someone living abroad, I was contacted promptly (less than 24 hours), everything was handled very professionally and courteously, and my policy arrived in my inbox within a few hours. So far, a fantastic experience."
"Great service, and they couldn't do enough for me. I hope there's no need to ever have to claim on it, but I feel very safe in the knowledge that if things did go wrong I have a very professional company behind me."
"Communication was great. Touch points by a few different people, so if we have questions there is more than one person to answer. Emails included everything we needed to get started."
Enter three details. Compare all four cover levels instantly. No registration required.
Premiums in USD · These are your exact rates - no surprises, no adjustments
Everything you need to know, right here. Can't find it? Chat with us - available 24/7 at the bottom right of your screen.
190+ countries and territories. Your coverage travels with you, no matter where you are or how often you move.
For all inpatient treatment, a specialist team pays the hospital directly - you never pay upfront and claim later. They also liaise with the hospital on paperwork so you can focus on recovering.
Before going to hospital, call the claims team. They know which local facilities have good reputations - and which don't. It's one call that can protect both your health and your wallet.
Terrorism, hijacking, hostage negotiation, and mugging cover included in all plans - because the real world is unpredictable.
24/7 psychology counselling, personal coaching, virtual personal training, and nutrition advice - all included as standard. Not just an insurer.
Your policy is underwritten by a long-term licensed international insurance company. When you make a claim, you deal directly with their specialist claims team - not a middleman.
Global Medical Cover was created for a simple reason: the world's most mobile people - expats, digital nomads, medical travellers - have been underserved by an insurance industry built around borders.
Traditional insurers tie you to a country of residence. Travel insurers cover you for trips, not lives. Neither works for the modern global citizen who might live in four countries in a year, or who needs specialist surgery somewhere they've never called home.
Global Medical Cover is different. Our product is built around how people actually live: with freedom, flexibility, and the expectation that world-class healthcare should be accessible wherever they are. And with security benefits - psychology support, global security cover, and a death benefit - built in as standard, because genuine protection goes beyond just the hospital.
Your policy is underwritten by a long-term licensed international insurance company. Your policy documents are issued directly by them, and when you make a claim, you deal with their dedicated specialist claims team directly - people who handle international medical claims every day.
Insurance shouldn't require a law degree. We write everything in plain English.
Backed by a specialist licensed international insurer. Your claims are handled by their expert team - not a call centre.
Quote, compare, apply, and manage - all online, at any time, without waiting for a call back.
For all inpatient treatment, the insurer pays the hospital directly - you do not have to find the money first and claim it back. Contact the insurer before going to hospital wherever possible.
Use the instant quote tool above, select your plan, and complete the online application form. The entire process is self-service.
Once approved, your policy documents are issued directly to you by the insurance underwriter - the licensed insurer who backs your coverage.
When you need to make a claim, you deal directly with the underwriter's specialist international claims team - available 24/7. Always contact them before going to hospital where possible, so they can arrange direct billing and guide you to the right facility.
Chat with us (bottom right) - our assistant can answer almost every question about the product, pricing, eligibility, and claims. Available 24/7.
A 24-hour emergency assistance line is provided in your policy documents upon issuance of your policy.
The full policy wording and Terms & Conditions are available from the links in our footer.
For matters not covered in our FAQ, you can request a call-back and we'll pass your details to our team.
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