Expats living in Lithuania can access international health insurance from leading providers like Cigna, Bupa, Allianz, VUMI, and more. These companies offer adaptable plans with global medical access, ensuring you’re covered while settling into life in the Baltics.

What kind of coverage suits your lifestyle in Lithuania: maternity care, dental benefits, or mental health support? Consider how emergency services or pre-existing conditions might influence your premium and plan selection.

This guide explores top international insurance options for expats in Lithuania. We break down key benefits and coverage limits and explain how working with a broker can simplify the process of finding the right plan for your needs abroad.

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Best Lithuania Health Insurance Providers for Expats

• AXA
• Allianz
• April International 
• Bupa
• Cigna
• HealthCare International Group
• NOW Health International
• VUMI
• IMG 
• DavidShield
• Geoblue
• MSH International

Please note that all monetary values are in United States dollars unless otherwise indicated.

AXA for Expats in Lithuania

AXA is a well-established provider of international health insurance, with a strong focus on serving expats. Backed by over 50 years of experience and trusted by more than 95 million clients in 50 countries, AXA is recognized for its dependable and expert global healthcare services.

The company offers five adaptable insurance plans tailored to meet the diverse needs of expats, digital nomads, and international professionals. Each plan can be customized to provide varying levels of medical coverage.

Overview of AXA’s insurance plans:

• Foundation Plan: Offers essential coverage for hospital stays, cancer treatment, and emergency medical evacuation. Outpatient care is available only as an optional add-on.

• Standard Plan: Builds on the Foundation plan by adding dental benefits (excluding routine checkups) and optional outpatient and prescription coverage, ideal for those seeking more than basic protection.

• Comprehensive Plan: Enhances coverage to include chronic illness management, vision care, and full outpatient services. Suitable for expats who require consistent access to healthcare.

• Prestige Plan: Incorporates all features of the Comprehensive plan plus maternity benefits and annual health checkups. Designed for individuals or families focused on long-term wellness.

• Prestige Plus Plan: AXA’s most extensive plan, offering the highest coverage limits and all benefits from the Prestige plan. Best suited for those who value maximum protection and peace of mind.

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

Allianz in Lithuania for Expats

Allianz Care delivers support to expats across more than 75 countries in 58 languages. Known for its broad medical network and streamlined claims process, Allianz offers flexible health insurance plans tailored to both individuals and families living abroad.

Overview of Allianz’s expat health plans:

• Core Plan: A basic yet robust package covering semi-private hospital accommodation, cancer care, emergency evacuation, home nursing, and urgent outpatient services.

• Core Plus Plan: Builds on the Care plan by adding emergency dental coverage and upgraded private hospital rooms. It also boosts limits for rehabilitation and nursing care, ideal for those wanting extra comfort and dental protection.

• Care Pro Plan: The most comprehensive plan, including all Care Plus benefits plus coverage for preventive surgeries and laser eye procedures. It offers top-tier support for rehabilitation and home nursing needs.

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

April International Insurance for Lithuania Expats

April International, based in France, has over 30 years of experience in global health insurance. Active in 12 countries and serving clients in more than 180, it’s known for user-friendly digital tools and personalized coverage for expats and international travelers.

Overview of April International’s MyHealth plans:

• Emergency Plan: A basic plan for sudden accidents and urgent care. It includes hospital stays and repatriation but excludes outpatient services, dental, and maternity.

• Formule Basic Plan: Covers inpatient treatment and cancer care with limited outpatient services. Includes basic dental and vision benefits but does not offer maternity coverage.

• Essential Plan:  Adds moderate outpatient and preventive care plus maternity coverage up to €3,000 ($3,502). Dental benefits reach €1,000 ($1,167) yearly, and vision coverage is €250 ($292), making it a balanced plan for growing families.

• Comfort Plan: Offers broad outpatient care, full cancer treatment, and maternity benefits up to €6,000 ($7,005). Dental coverage is €2,000 ($2,335) yearly, with €500 ($584) for vision, so the plan is great for families and long-term expats.

• Premium Plan: The most comprehensive option, with full outpatient care, maternity coverage up to €12,000 ($14,009), dental benefits of €4,000 ($4,670), and €700 ($818) for vision. The Premium plan is perfect for those seeking top-tier protection.  

Here is a breakdown of April International’s MyHealth plans annual benefit limits:

Bupa International Insurance for Expats in Lithuania

Bupa Global has over three decades of experience in international healthcare. Established by medical professionals, the company is renowned for its premium services, global reach, and customized insurance solutions for individuals, families, and businesses in over 190 countries.

Overview of Bupa’s health insurance plans:

• Major Medical Plan: Designed for essential medical needs, this plan includes inpatient care, emergency evacuation, and repatriation. It does not cover outpatient services, dental, or maternity care.

• Select Plan: Provides regional coverage with both inpatient and outpatient treatment along with annual health screenings. Maternity, dental, and vision benefits are not included.

• Premier Plan: Offers broader protection, adding outpatient services, dental and vision care, vaccinations, and yearly check-ups, making this plan ideal for those seeking more complete personal healthcare.

• Elite Plan: Tailored for families and long-term expats, this plan features maternity coverage, dental and vision benefits, private hospital stays, and extensive outpatient services.

• Ultimate Plan: Bupa’s top-tier offering includes unlimited annual coverage, comprehensive maternity benefits, genetic cancer screening, and free coverage for two children under 16 (subject to underwriting).

Here is a summary of Bupa’s annual benefit limits:

Cigna For Expats in Lithuania

Cigna Global has over 200 years of experience and operates in 200+ regions. With access to 1.5 million healthcare providers and 24/7 multilingual support, Cigna offers flexible health plans for expats, international families, and globally mobile individuals.

Overview of Cigna Health plans:

• Silver Plan: Entry-level international coverage with optional US access. Includes inpatient care, cancer treatment, and mental health support up to $5,000. Maternity services are not included.

• Gold Plan: Builds on Silver with maternity coverage up to $7,000, mental health benefits up to $10,000, and higher limits for rehab, imaging, and home nursing. A solid choice for those seeking broader health support abroad.

• Platinum Plan: Offers unlimited annual coverage and full maternity benefits up to $14,000. Includes advanced imaging, extensive mental health care, and global medical evacuation.

Below is a summary of Cigna’s annual benefit limits:

HealthCare International in Lithuania for Expats

HealthCare International (HCI), headquartered in the UK, has offered global health coverage for over 35 years. Serving clients in 80+ countries, HCI is known for its portable insurance plans and tiered options tailored to expats, families, and retirees living abroad.

Overview of HCI’s Protector plans:

HCI’s Protector Plans feature five coverage tiers designed to match the changing needs of expats. Each level adds more benefits, from basic hospital care to full outpatient services, preventive treatment, and comprehensive support for long-term wellness abroad.

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

NOW Health for Expats in Lithuania

NOW Health International has provided global health insurance since 2010, serving expats, families, and students. With over one million providers and a digital-first approach, it offers flexible plans tailored to diverse medical and financial needs worldwide.

Overview of NOW Health International’s SimpleCare plans:

• SimpleCare Core Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient services, dental, and maternity are excluded.

• SimpleCare 100 Plan: Adds limited outpatient coverage and optional copay features to reduce premiums. Dental and maternity benefits are not included for individual policyholders.

• Simplecare 250 Plan: Offers outpatient consultations, specialist visits, and basic dental care. Maternity coverage is available for only group policies with 10 or more members.

Overview of NOW Health International’s Worldcare plans:

• WorldCare Essential Plan: Provides core inpatient coverage with a $3,000,000 annual limit. Dental is optional, and maternity services are not included.

• WorldCare Advance Plan: Adds outpatient care and higher coverage limits. Includes optional dental and copay features.

• WorldCare Excel Plan: Offers dental care, chronic condition management, and enhanced rehab services. Maternity benefits are optional for group plans.

• WorldCare Apex Plan: NOW Health’s most comprehensive plan with a $4,500,000 annual limit. Includes full dental and maternity coverage plus extensive outpatient benefits.

Here is a summary of NOW Health’s annual benefit limits:

VUMI Health Insurance in Lithuania for Expats

VIP Universal Medical Insurance Group (VUMI) provides portable global health coverage with high benefit limits, direct billing, and access to a private medical network. Its Global Flex VIP plans offer tiered options to suit the varied needs of individuals and families abroad.

Overview of VUMI’s Global Flex VIP plans:

• Basic Plan: Entry-level coverage for inpatient care, surgeries, and cancer treatment. It excludes outpatient services, dental, and maternity.

• Standard Plan: Adds outpatient diagnostics and optional wellness or vision benefits. Includes emergency dental but not routine dental or maternity.

• Superior Plan: Offers mental health services, optical care, and maternity benefits up to $12,500. Emergency dental remains the only dental coverage suited for broader health needs.

• Ultra Plan: Includes routine dental (after nine months), enhanced outpatient care, and maternity coverage up to $15,000. A strong option for families seeking more comprehensive support.

• Total Plan: VUMI’s most complete package with full maternity benefits up to $20,000, full dental and vision coverage, and IVF treatment.

Below is a summary of VUMI’s annual benefit limits:

IMG International Health Insurance for Expats in Lithuania

International Medical Group (IMG), based in the US, has offered global health and travel insurance since 1990. Known for flexible coverage and strong international support, IMG serves expats, families, and organizations with customizable plans and high coverage limits.

IMG designs its plans to suit diverse lifestyles, from long-term expats to short-term travelers and students. With global reach and adaptable benefits, IMG is a trusted choice for international health protection.

Overview of IMG’s global medical plans:

• Bronze Plan: Entry-level coverage for inpatient care, outpatient surgery, and emergency evacuation. Maternity and newborn services are not included.

• Silver Plan: Adds outpatient care and specialist access. Emergency evacuation coverage increases to $50,000, so this plan is great for those seeking broader support while traveling or living overseas.

• Gold Plan: Expands outpatient benefits, includes coverage for adventure sports, and offers enhanced prescription support.

• Platinum Plan: IMG’s top-tier plan includes maternity (after 10 months), newborn care, terrorism protection, and full emergency evacuation. This plan is perfect for families and long-term global residents.

Below is a summary of IMG’s lifetime limits:

DavidShield Insurance for Lithuania Expats

DavidShield, also known as PassportCard, provides international health insurance tailored for expats in Lithuania. Its standout feature is a prepaid card system that enables instant payment for medical services–eliminating the need for reimbursement claims.

Overview of DavidShield’s PassportCard plans:

• Global Plan (excludes US): Offers broad international health coverage similar to the Relocation Worldwide plan but without access to US medical services.

• Relocation Worldwide Plan: A comprehensive health package covering hospitalization, maternity, mental health, emergency evacuation, pediatric care, and pre-existing conditions, making it a perfect choice for long-term international stays.

Here is a summary of the benefits and coverage offered by DavidShield:

Below is how much coverage each DavidShield plan offers annually for expats living in Lithuania:

GeoBlue Insurance for Expats in Lithuania

GeoBlue offers premium international health insurance designed for expats, frequent travelers, and global citizens. It’s a top choice for Americans abroad seeking seamless care both overseas and in the US, with 24/7 support and telemedicine services.

Overview of GeoBlue’s expat plans:

• Xplorer Essential Plan: Tailored for expats without US coverage needs. Includes up to $1,000,000 in annual benefits, global inpatient and outpatient care, mental health support, and optional dental and vision.

• Xplorer Premier Plan: GeoBlue’s most comprehensive plan, with unlimited annual coverage, US healthcare access for up to nine months, enhanced prescriptions, maternity care, and full access to the Blue Cross Shield PPO network.

Below is a summary of GeoBlue’s annual benefit limits:

MSH International Coverage in Lithuania for Expats

MSH International has provided global health and life insurance since 1974. With 21 offices across five hubs, it serves over 3.5 million members. MSH is a trusted choice for expats seeking flexible, high-limit coverage with multilingual support and tailored benefits.

MSH plans are built for long-term expats and families, offering emergency and routine care, maternity, dental, vision, and wellness services. Members can customize coverage to suit their lifestyle and medical needs.

Overview of MSH International’s First’Expat+ plans:

• Hospi Plan: Covers hospital stays, medical evacuation, cancer care, surgeries, scans, and emergency dental.

• Health Plan: Adds outpatient services, prescriptions, mental health, physical therapy, and legal support.

• Health+ Plan: Includes dental and vision benefits, such as orthodontics and corrective lenses.

• Health+Child Plan: Adds maternity, prenatal/postnatal care, childbirth (with or without complications), and fertility treatment.

After selecting core benefits, members can choose from four tiers (Quartz, Pearl, Sapphire, or Diamond) to set annual limits and fine-tune their coverage.

Why Use a Broker for Health Insurance in Lithuania

Finding the right health insurance in Lithuania is simpler with the help of a broker. They offer expert advice, compare plans from leading providers, and guide you toward coverage that suits your lifestyle. Brokers also assist with claims and streamline the entire process.

Reasons to use a health insurance broker:

• Tailored recommendations based on your health needs
• Access to a wide range of international insurers
• Time-saving plan comparisons from experts
• Ongoing support with claims and policy updates

Find the Right Health Insurance in Lithuania with Pacific Prime

With 25 years of global insurance experience, Pacific Prime helps expats in Lithuania secure tailored health coverage. Our expertise and award-winning service make us a trusted advisor for individuals, families, and professionals abroad.

We offer customized plans to match your lifestyle and budget, whether you need basic coverage or full benefits like maternity, dental, mental health, and emergency evacuation. Our global partnerships and regional insight ensure smooth, reliable support.

Reach out today for a free quote, and let Pacific Prime simplify your health insurance journey. Your peace of mind in Lithuania starts here.

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Frequently Asked Questions

Why should expats in Lithuania consider international health insurance?

International health insurance provides access to quality medical care, protects against high healthcare costs, and offers peace of mind during unexpected health issues.

What should I look for when choosing a health insurance plan in Lithuania?

When comparing health insurance plans as an expat in Lithuania, consider coverage types, deductibles, premiums, and customer service. Matching the plan to your lifestyle and health needs is key.

How much does health insurance typically cost for expats in Lithuania?

Health insurance prices vary depending on age, health status, and coverage level. Providers offer different rates, so comparing options is essential.

Is it helpful to use a broker when selecting health insurance?

Brokers can simplify the process by offering expert advice and helping you compare plans tailored to your needs.

What options exist for expats with pre-existing conditions?

Pre-existing condition coverage varies: some plans include conditions after a waiting period or with premium loadingwhile others may exclude them. Always review the policy details carefully.

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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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