Expats in Mongolia can explore health coverage from leading international insurers like Cigna, Bupa, Allianz, and VUMI. These providers offer customizable plans with global medical access, helping you stay protected while living in Mongolia.

Which benefits matter most for your lifestyle in Mongolia? Debating whether to include maternity, dental, or mental health coverage? How will pre-existing conditions or emergency care affect your premiums? We’ll answer these questions and more in this article.

This guide breaks down the top international health insurance options available for expats in Mongolia. We highlight key plan features and benefit limits and explain how working with a broker can simplify the process of finding the right coverage for your life abroad.

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Best Mongolia Health Insurance Providers for Expats

The following are the top insurance providers for expats in Mongolia:

• AIA
• Allianz
• April
• Bupa
• GeoBlue
• IMG
• AIG
• Cigna
• HealthCare International Group
• NOW Health International
• VUMI
• William Russel
• MSH International

AIA International Insurance for Mongolia Expats

AIA Group is one of Asia’s largest and most established insurance providers, founded in 1919 and headquartered in Hong Kong. With operations in 18 markets across the Asia-Pacific, AIA offers a wide range of life and health insurance products tailored to individuals, families, and businesses.

AIA is especially well suited for expats in Mongolia who need:

• Long-term health protection
• Access to private hospitals in nearby countries
• Emergency medical evacuation
• Integrated life and health coverage with wellness incentives.

Overview of AIA insurance plans:

• Basic Medical plans: Cover hospitalization, emergency care, and inpatient treatment. Ideal for expats seeking core protection. Optional riders may include dental, vision, and mental health.
• Comprehensive Health plan: Includes inpatient and outpatient care, preventive services, and wellness benefits. May also offer maternity, mental health, and chronic condition management.
• Life + Health Bundled plans: Combine life insurance with health coverage. Includes death and terminal illness benefits, with optional riders for disability and critical illness.
• Retirement Health plans: Designed for long-term financial and medical security. Includes pension savings and post-retirement medical support.

Below is an outline of AIA’s annual limits by plan:

Allianz in Mongolia for Expats

Allianz Care is a leading health insurance provider for expats living abroad. Allianz Care is the international health brand of Allianz Partners, offering comprehensive insurance plans to expatriates, families, students, and corporate groups.

Allianz Care is especially well-suited for expats in regions like Mongolia, where access to advanced healthcare may be limited. Their plans ensure that you can receive treatment abroad, whether in nearby hubs such as South Korea or Thailand or globally.

Overview of Allianz’s international health plans:

• Care plan: Offers oncology, rehabilitation, home, nursing,  emergency outpatient, and inpatient/day care benefits.
• Care Plus plan: Adds emergency dental, and higher limits for rehabilitation and nursing care.
• Care Pro plan: Includes preventive surgery, laser eye treatment, and the highest benefit limits.

Allianz also offers optional add-ons:

• Outpatient coverage: Specialist care, general practitioner visits, and diagnostics.
• Dental and vision: Routine and emergency dental and eye exams.
• Maternity: Bloom and Bloom Plus plans for prenatal, delivery, and postnatal care.
• Repatriation: Medical repatriation in case of serious illness or injury.

Here is a breakdown of the annual limits of Allianz’ plans:

April International Insurance for Mongolia Expats

April International is a trusted international insurance provider with more than 30 years of experience, operating in 12 different countries. They support clients in more than 180 locations worldwide, offering a seamless digital experience.

April is an expert in adaptable international health insurance plans for expats, international students, and global businesses.

Overview of April International’s MyHealth insurance plans:

• Emergency plan: Covers emergency hospitalization only. Ideal for short-term or budget-conscious travelers. No outpatient, dental, or maternity benefits.
• Formule Basic plan: Includes inpatient care and cancer treatment. Limited outpatient benefits. Basic dental and vision.
• Essential plan: Full hospitalization and moderate outpatient care. Higher dental and vision coverage. Maternity coverage up to €3,000 (~USD $3,500)
• Comfort plan: Unlimited annual coverage. High-level inpatient and outpatient care. Dental and vision benefits. Maternity coverage up to €6,000 (~USD $7,000)
• Premium plan: Unlimited annual coverage. Deluxe inpatient and outpatient service. Highest dental and vision coverage. Maternity coverage up to €12,000 (~USD $14,000)

Below is a summary of the annual benefit limits of April’s MyHealth plans:

Bupa Health Insurance for Mongolia Expats

With over 30 years of experience in international health care, Bupa Global is a trusted insurer known for its global reach, premium service, and doctor-founded roots. They offer comprehensive health coverage for expats, families, and corporate clients in more than 190 countries.

Summary of Bupa’s health insurance plans:

• Major Medical plan: Tailored for critical health situations, this plan includes inpatient treatment, emergency evacuation, and repatriation. It does not provide coverage for dental care, outpatient visits, or maternity services.
• Select plan: Offers regional protection, with both inpatient and outpatient benefits, along with annual health screenings. It does not include dental, vision, or maternity coverage.
• Premier plan: Expands on outpatient services and adds benefits like dental and vision care, vaccinations, and annual checkups. A good fit for individuals wanting more well-rounded coverage.
• Elite plan: Designed for families and long-term expats, this plan features comprehensive benefits, including robust outpatient coverage, maternity care, dental and vision services, and private hospital accommodations.
• Ultimate plan: Bupa’s top-tier package provides unlimited annual coverage, full maternity support, genetic screening for cancer, and complimentary coverage for up to two children under 16 (subject to underwriting approval).

Below is a breakdown of Bupa’s annual benefit limits for its plans:

GeoBlue Insurance for Expats in Mongolia

GeoBlue offers premium international health insurance to expats, travelers, and global citizens. For Americans living abroad, GeoBlue is the ideal insurance provider if you want comprehensive coverage with US access.

GeoBlue’s insurance plans are perfect for long-term expats, as they offer seamless care with 24/7 support and telemedicine access wherever you are.

Overview of GeoBlue plan highlights:

• Xplorer Essential: Up to USD $1,000,000 in annual coverage. Includes mental health support, worldwide inpatient and outpatient services, and optional add-ons for dental and vision care.
• Xplorer Premium: GeoBlue’s most extensive offering, featuring unlimited annual coverage and access to healthcare in the US for up to nine months each year. It includes enhanced maternity coverage, access to the Blue Cross Blue Shield PPO network for top-tier medical providers, and prescription drug benefits.

Here’s a summary of GeoBlue’s annual benefit limits:

IMG Health Insurance for Expats in Mongolia

Since 1990, IMG Global has been offering insurance solutions for individuals, families, and companies. IMG offers international health insurance through its Global Medical plan, available in four different categories, with each having a different scope of coverage.

Breakdown of IMG’s Global Medical plans:

• Bronze plan: Basic protection that covers hospital stays, outpatient surgeries, and emergency evacuations. Does not include maternity or newborn services.
• Silver plan: Builds on the Bronze plan by adding outpatient treatment and access to specialists. Emergency evacuation is capped at USD $50,000.
• Gold plan: Offers more extensive outpatient care, includes coverage for adventure sports, and provides broader support for prescription medications.
• Platinum plan: IMG’s most inclusive option, newborn care, featuring maternity benefits (after a 10-month waiting period), coverage for terrorism-related incidents, and full emergency evacuation services.

Here’s a summary of IMG’s lifetime benefit limits:

AIG Insurance for Expats in Mongolia

AIG is a globally trusted insurance provider with a strong presence across Asia. While it’s best known for travel insurance, AIG also offers international health coverage.

Their plans, Travel Guard and Global Medical Insurance, are ideal for expats in Mongolia who need access to high-quality care outside the country.

Breakdown of AIG plans for expats in Mongolia:

• Global Medical Insurance (GMI) plan: Comprehensive international health insurance coverage for long-term expats. Includes inpatient and outpatient care, prescription drugs, and optional dental/maternity benefits. Coverage available worldwide, excluding or including the US.
• Travel Guard Deluxe plan: Best suited for short-term expats or frequent travelers. Includes USD $100,000 in travel medical coverage, USD $1,000,000 in emergency evacuation, and access to global assistance services. Ideal for those who travel in and out of Mongolia regularly.
• Annual Multi-Trip plan: For expats who travel frequently across Asia. Covers emergency medical care, trip interruption, and evacuation across multiple trips per year. Includes access to AIG’s global provider network.

Below is a breakdown of the annual benefit limits of AIG’s plans:

Cigna International Health Insurance in Mongolia for Expats

Cigna is a leading international health insurance provider, serving expats in over 200 countries and territories. With a network of 1.5 million healthcare professionals and 24/7 multilingual support, Cigna is known for its flexible plans, whole-health approach, and strong global reach.

Cigna specializes in customizable international health insurance for individuals, families, and globally mobile professionals. Their plans are especially valuable for expats in Mongolia who may need access to private hospitals abroad, medical evacuation, and comprehensive outpatient care.

Overview of Cigna Global health insurance plans:

• Close Care plan: Regional coverage limited to your country of residence and nationality. Includes inpatient care in a semi-private room and cancer treatment. No maternity evacuation or travel safety coverage. 
• Silver plan: Entry-level international coverage with inpatient care, mental health support, and cancer treatment. No maternity benefits.
• Gold plan: Mid-tier plan with expanded benefits, including maternity (USD $7,000), newborn care, advanced imaging, and outpatient services.
• Platinum plan: Cigna’s most comprehensive offering. Includes full maternity care (up to USD $14,000), newborn care, mental health, evacuation, dental, vision, and outpatient services.

Below is a breakdown of the annual benefit limits of Cigna’s plans:

Cigna’s plans are ideal for expats in Mongolia who want:

• Access to private hospitals in nearby countries (e.g., South Korea, Thailand)
• Coverage for maternity care and chronic conditions
• Optional add-ons for dental, vision, outpatient, and evacuation
• Digital tools like the Cigna app for claims and wellness tracking

HealthCare International Insurance for Mongolia Expats

HealthCare International Group (HCI), has been a trusted health insurance provider for expats for more than 30 years, serving clients in over 80 countries. With flexible, globally portable plans and a range of coverage levels, HCI offers customized solutions for expats living overseas.

Overview of HCI’s Protector Plans:

HCI’s signature product line, the Protector Plans, features five distinct tiers tailored to the changing healthcare needs of expats. Each level offers progressively broader benefits, from basic hospital coverage to comprehensive outpatient care and preventive services.

Below is a breakdown of HCI’s inpatient and outpatient benefits: 

NOW Health International for Expats in Mongolia

NOW Health International is a global health insurance provider based in Hong Kong, with service centers in Shanghai, Dubai, Jakarta, Malta, and the UK. Since 2010, it has specialized in delivering fast, tech-enabled international coverage for expats, families, and digital nomads.

Overview of NOW Health International’s insurance plans:

SimpleCare Plans – Budget-friendly global coverage (excluding the US)

• SimpleCare Core: Covers inpatient care, surgeries, and cancer treatments. No outpatient, dental, or maternity coverage. Ideal for cost-conscious expats needing protection from major medical expenses only.
• SimpleCare 100: Adds limited outpatient coverage, including consultations and specialist visits. Optional copays are available to reduce premiums. No dental or maternity coverage for individuals.
• SimpleCare 250: Includes inpatient, outpatient, and routine/complex dental care. Maternity coverage is available only for groups of 10+ or companies with compulsory insurance.

WorldCare Plans – Comprehensive global coverage (US optional)

• WorldCare Essential: Basic international coverage. Includes inpatient care and optional dental. No maternity coverage.
• WorldCare Advance: Adds outpatient benefits and optional co-pays. Maternity coverage is available for groups only.
• WorldCare Excel: Includes dental, enhanced rehab, and outpatient care. Maternity coverage is an option for groups.
• WorldCare Apex: Most comprehensive plan. Includes routine maternity, dental, outpatient psychiatric care, and chronic condition management.

Below is an outline of NOW Health International’s annual benefit limits:

VUMI Healthcare Plans for Expats in Mongolia

VIP Universal Medical Insurance Group (VUMI) provides internationally portable health insurance with high benefit ceilings, seamless direct billing, and access to an exclusive global medical network.  VUMI has 35 years of experience offering health insurance to expats, businesses, and travelers.

Overview of VUMI’s Global Flex VIP plans:

• Basic plan: Entry-level coverage that includes inpatient care, surgical procedures, and cancer treatment. It excludes maternity care, outpatient services, and dental benefits.
• Standard plan: Builds upon the Basic Plan by adding outpatient diagnostic coverage and optional wellness or vision enhancements. 
• Superior plan: Broadens coverage to incorporate mental health support, optical care, and maternity benefits up to USD $12,500. Dental coverage remains limited to emergency treatment.
• Ultra plan: Introduces routine dental care (after a nine-month waiting period), increased maternity coverage up to USD $15,000, and expanded outpatient services. A solid choice for families in Mongolia seeking more comprehensive protection.
• Total plan: The most extensive package, offering complete dental and vision coverage, IVF treatment, and full maternity benefits (up to USD $20,000). 

Here is a breakdown of VUMI’s annual benefit limits by plan:

William Russel Insurance for Mongolia Expats

William Russell is a boutique international insurer founded in 1992, offering health, life, and income protection plans to expats in over 160 countries. William Russell provides global coverage (excluding the US) with a strong emphasis on member care and flexibility.

With a network of over 4,000 hospitals and direct billing arrangements, William Russell is ideal for expats in Mongolia who may need:

• Access to private hospitals abroad
• Emergency medical evacuation
• Comprehensive outpatient and maternity care
• Mental health and cancer support.

Overview of William Russell international insurance plans:

• Bronze plan: Entry-level coverage with inpatient care, cancer treatment, and emergency evacuation. Outpatient care only after hospital discharge. No maternity, dental, or wellness benefits.
• SilverLite plan: Adds limited outpatient care and ambulance coverage, private hospital room, mental health benefits, and optional dental/maternity add-ons. Includes preventive care and well-child benefits.
• Gold plan: Most comprehensive option. Includes full maternity coverage, mental health support, dental and vision benefits, cancer-related services, and enhanced wellness benefits.

Below is an overview of William Russell’s annual benefit limits by plan:

MSH International Insurance for Expats in Mongolia

MSH International is a global health and life insurance provider founded in 1974, serving over 3.5 million members across five regional hubs and 21 offices worldwide. MSH is a top choice for expats seeking flexible, high-limit international coverage.

MSH is known for its customizable benefits and multilingual support, with plans designed for long-term expats and families. They offer access to emergency and routine care, maternity, dental, vision, and wellness services. 

MSH First’Expat+ core benefits overview:

• Hospi: Covers hospitalization and medical evacuation. Includes cancer treatment, surgery, emergency dental care, and scans.
• Health: Adds outpatient care, mental health, physical therapy,  legal assistance, and prescription drugs.
• Health+: Adds dental and vision benefits, including orthodontics and corrective lenses.
• Health+Child: Adds maternity coverage, prenatal/postnatal care, childbirth (with or without complications), and fertility treatment.

Once you have chosen your core benefits, you can further customize your plan with your choice of annual limits and benefits from these four tiers: Quartz, Pearl, Sapphire, or Diamond. 

Below is an overview of MSH International’s annual benefits by plan:

Why Use a Broker for Health Insurance in Mongolia

Working with an insurance broker like Pacific Prime can make navigating the world of health insurance far easier, especially for expats living abroad. Brokers bring deep industry expertise and offer personalized guidance to help you find a plan that truly fits your lifestyle and medical needs.

Whether you’re a solo traveler or relocating with your family, a broker can assess your situation and recommend coverage that aligns with your budget, benefits preferences, and long-term goals. From comparing plans to explaining the fine print, they simplify the decision-making process.

Beyond finding the right policy for you, brokers also assist with applications, renewals, and claims, acting as your advocate every step of the way. Their support can save you time, reduce stress, and ensure you get the protection you deserve.

How to Compare Quotes for Mongolia Health Insurance

Expats living in Mongolia can choose the right health insurance by comparing quotes. This step is crucial, as it gives you an idea of what each plan offers in terms of coverage, costs, and benefits, helping you find a policy that fits your lifestyle and medical needs.

When reviewing quotes, there are a few key factors to keep in mind:

• Coverage Limits: These define the maximum amount your insurer will pay for medical expenses. Plans with higher limits offer greater financial protection but often come with higher premiums.

• Deductibles: This is the amount you pay out of pocket before your insurance coverage begins to take effect. Lower deductibles mean less upfront payment during treatment, but typically result in higher monthly premiums. Higher deductibles reduce your premium but require more out-of-pocket spending when care is needed.

To make an informed decision, expats should:

• Assess their personal health needs and choose plans that offer relevant coverage.
• Review the insurer’s network of hospitals and healthcare providers.
• Compare premium costs and watch for hidden fees.
• Read the fine print, especially exclusions, waiting periods, and benefit caps.

Find the Best Health Insurance in Mongolia with Pacific Prime

Navigating health insurance in Mongolia doesn’t have to be complicated. Pacific Prime connects expats with leading international insurers and provides expert guidance to simplify your search.

Whether you’re looking for comprehensive coverage or a budget-friendly plan, we make it easy to compare options and find the right fit. 

Contact us today and get a free quote!

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Frequently Asked Questions

How much does international health insurance typically cost for expats in Mongolia?

Costs vary widely depending on age, health status, and coverage level. They can range from a few hundred dollars to several thousand dollars annually. 

What should expats look for when comparing health insurance quotes in Mongolia?

Key factors include coverage limits, deductibles, network hospitals, premium costs, and exclusions in the policy.

How do major insurers handle pre-existing conditions for expats in Mongolia?

Coverage for pre-existing conditions depends on the provider and plan. Some offer coverage with specific terms, such as waiting periods or higher premiums, so disclosure and policy review are essential.

Can expats buy health insurance in Mongolia without a local bank account?

Expats can purchase health insurance online or through brokers using international payment methods, making access flexible for newcomers.

Why is working with a broker helpful when choosing health insurance in Mongolia?

Brokers offer expert advice, access to multiple insurers, and support with applications and claims, helping tailor coverage to your needs.

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Grace Dandan

Content Creator at Pacific Prime

Grace is a content creator with over 7 years of experience in the digital marketing space. She has a Bachelor’s Degree in Communication Arts from De La Salle University, which provided her with foundational skills in news writing, TV and film production, photography, and media. She has worked in different industries, including journalism, editorial, social work, fintech, beauty and eCommerce, providing a variety of digital works not limited to social media content, blogs, articles and presentation decks.

At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.

In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.

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