Choosing the right insurance as an expat moving to North Macedonia is key to peace of mind. Providers like Cigna, Bupa, Allianz, AXA, and GeoBlue offer plans tailored to expat needs, while April, NOW Health, VUMI, IMG, DavidShield, and MSH provide flexible, digital-friendly options.

Are you preparing for a long-term move to North Macedonia? Are you looking for flexible benefits and providers who tailor plans to expat needs?

This guide outlines top insurers like Cigna, Bupa, Allianz, and GeoBlue, along with their plan options for expats in North Macedonia. It also explains how brokers simplify the process by offering expert advice, plan comparisons, and personalized support.

Note that all monetary values are written in United States dollars (USD) unless otherwise stated.

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Best North Macedonia Health Insurance Providers for Expats

These are the top insurance providers for expats in North Macedonia:

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

AXA for Expats in North Macedonia

AXA stands out as a top-tier provider of global health insurance, especially recognized for its dedication to serving expatriates. With more than five decades of experience and a client base exceeding 95 million across 50 nations, AXA is a trusted name in international healthcare.

The company offers five adaptable insurance plans tailored to the diverse needs of expats, digital nomads, and global professionals. Each plan allows for customization based on desired medical coverage levels, ensuring a personalized approach to health protection.

Overview of AXA’s plans:

• Foundation Plan: Focuses on essential inpatient services such as hospital admissions, cancer treatments, and emergency evacuations. Outpatient care is available as an optional add-on.
• Standard Plan: Enhances coverage with dental benefits (excluding routine checkups) and optional outpatient and prescription services, making it ideal for those seeking more than basic coverage.
• Comprehensive Plan: Offers broader protection, including management of chronic illnesses, vision care, and complete outpatient services. Well-suited for expats requiring consistent medical access.
• Prestige Plan: Expands on the Comprehensive Plan by adding maternity benefits and annual health checkups, perfect for individuals or families planning extended stays abroad.
• Prestige Plus Plan: AXA’s most extensive plan, featuring the highest coverage limits and all benefits from the Prestige Plan. Designed for those who seek maximum security and premium healthcare support.

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

Allianz in North Macedonia for Expats

Allianz Care delivers international health insurance solutions to expats in more than 75 countries and offers support in 58 languages. Renowned for its extensive medical network and streamlined claims handling, Allianz provides flexible coverage options for individuals and families living overseas.

Overview of Allianz’s plans:

• Core Plan: Offers fundamental protection with coverage for semi-private hospital stays, cancer care, emergency evacuations, home nursing, and urgent outpatient services.
• Core Plus Plan: Enhances the Core Plan by including emergency dental treatment, access to private hospital rooms, and increased limits for rehabilitation and nursing services.
• Care Pro Plan: Allianz’s most comprehensive package, combining all Core Plus features with added benefits like preventive surgical procedures and laser eye correction.

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

April International Insurance for North Macedonia Expats

April International brings over three decades of experience in global health coverage. With operations in 12 countries and clients in more than 180, the company is recognized for its user-friendly digital tools and customized insurance solutions for expatriates and international travelers.

Overview of April International’s MyHealth plans:

• Emergency Plan: Provides coverage for hospital stays and medical repatriation in urgent situations. It excludes outpatient services, dental, and maternity care.
• Formule Basic Plan: Covers inpatient and cancer treatments, limited outpatient care, and basic dental and vision services. Maternity benefits are not included.
• Essential Plan: Expands coverage to include moderate outpatient and preventive care, maternity benefits up to €3,000 ($3,502), dental up to €1,000 ($1,167), and vision up to €250 ($292).
• Comfort Plan: Offers comprehensive cancer treatment, extensive outpatient services, maternity coverage up to €6,000 ($7,005), dental up to €2,000 ($2,335), and vision up to €500 ($584).
• Premium Plan: April’s most inclusive plan, featuring full outpatient care, maternity benefits up to €12,000 ($14,009), dental up to €4,000 ($4,670), and vision up to €700 ($818).

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

Bupa International Insurance for Expats in North Macedonia

With over 30 years of experience in worldwide healthcare, Bupa Global has earned a reputation for delivering high-end service, expansive international coverage, and personalized insurance plans for individuals, families, and businesses across more than 190 countries.

Overview of Bupa’s plans:

• Major Medical Plan: Focuses on core inpatient services, including hospital care, emergency evacuation, and repatriation. It excludes outpatient, dental, and maternity coverage, so it’s ideal for those seeking only basic protection.
• Select Plan: Builds on the Major Medical plan by adding outpatient services and annual health checkups. Maternity, dental, and vision benefits are not included, so this plan is best for regional coverage with routine care.
• Premier Plan: Offers more extensive coverage, including outpatient care, dental and vision benefits, vaccinations, and yearly screenings. Great for individuals wanting a more complete healthcare package.
• Elite Plan: Tailored for families and long-term expatriates, this plan includes maternity services, dental and vision coverage, private hospital accommodations, and broad outpatient care.
• Ultimate Plan: Bupa’s most inclusive offering, featuring unlimited annual coverage, full maternity benefits, genetic cancer screening, and complimentary coverage for two children under 16 (subject to underwriting), making it perfect for those prioritizing maximum protection and family support.

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

Cigna For Expats in North Macedonia

Cigna Global serves clients in more than 200 regions worldwide. Backed by a network of 1.5 million healthcare providers and round-the-clock multilingual support, Cigna offers adaptable insurance plans designed for expats, international families, and globally mobile individuals.

Overview of Cigna’s plans:

• Silver Plan: Offers essential international coverage, including inpatient care, cancer treatment, and mental health support up to $5,000. US coverage is available as an optional add-on.
• Gold Plan: Expands benefits with maternity coverage up to $7,000; mental health support up to $10,000; and increased limits for rehabilitation, diagnostic imaging, and home nursing.
• Platinum Plan: Cigna’s most inclusive plan, featuring unlimited annual coverage, full maternity benefits up to $14,000, advanced imaging services, comprehensive mental health care, and worldwide medical evacuation.

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

HealthCare International in North Macedonia for Expats

HealthCare International (HCI), a UK-based insurer, has delivered global health coverage for over 35 years. Trusted in 80+ countries, HCI specializes in portable plans designed for expats, families, and retirees living abroad

HCI’s Protector Plans come in five tiers to match changing expat needs. Starting with hospital-only coverage, each level adds benefits like outpatient care, preventive services, and long-term health support for life overseas.

Inpatient & outpatient coverage breakdown:

NOW Health for Expats in North Macedonia

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

Overview of NOW Health’s SimpleCare plans:

• Core Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient, dental, and maternity are excluded. 
• 100 Plan: Adds limited outpatient care and optional copays to reduce costs. Dental and maternity are not included. 
• 250 Plan: Offers outpatient visits, specialist care, and basic dental. Maternity is available only for group plans with 10+ members.

Overview of NOW Health’s WorldCare plans:

• Essential Plan: Covers inpatient care with a $3,000,000 annual limit. Dental is optional, maternity excluded. 
• Advance Plan: Adds outpatient care and higher limits, with optional dental and copays. 
• Excel Plan: Includes dental, chronic care, and rehab. Maternity optional for group plans. 
• Apex Plan: NOW Health’s top-tier plan with $4,500,000 coverage. Includes full dental, maternity, and extensive outpatient care.

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

VUMI Health Insurance in North Macedonia for Expats

VIP Universal Medical Insurance Group (VUMI) offers global health insurance with high coverage limits, direct billing, and access to private care. Its Global Flex VIP plans are built for expats, families, and frequent travelers needing flexible, portable protection.

Overview of VUMI’s Global Flex VIP plans:

• Basic Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient, dental, and maternity are excluded.
• Standard Plan: Adds outpatient diagnostics and optional wellness or vision. Includes emergency dental only.
• Superior Plan: Offers mental health, optical care, and maternity up to $12,500. Emergency dental remains the only dental benefit.
• Ultra Plan: Includes routine dental (after nine months), better outpatient care, and maternity up to $15,000.
• Total Plan: VUMI’s top-tier plan with maternity up to $20,000, full dental and vision, and IVF.

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

IMG International Health Insurance for Expats in North Macedonia

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

IMG’s plans suit various lifestyles, from long-term expats to short-term travelers and students. With global reach and adaptable benefits, it’s a trusted choice for international health coverage.

Overview of IMG’s Global Medical plans:

• Bronze Plan: Covers inpatient care, outpatient surgery, and emergency evacuation. Maternity and newborn care are excluded. 

• Silver Plan: Adds outpatient services and specialist access. Evacuation coverage increases to $50,000.

• Gold Plan: Expands outpatient care, adds adventure sports and better prescription benefits.

• Platinum Plan: Includes maternity (after 10 months), newborn care, terrorism protection, and full evacuation.

Below is a summary of IMG’s lifetime limits:

DavidShield Insurance for North Macedonia Expats

DavidShield, also known as PassportCard, offers global health insurance for expats in North Macedonia. Its prepaid card system enables instant payments for care, eliminating the need for reimbursement claims

Overview of DavidShield’s PassportCard plans:

• Global Plan: Offers broad international coverage like the Relocation plan but excludes U.S. healthcare.
• Relocation Worldwide Plan: Covers hospitalization, maternity, mental health, evacuation, pediatric care, and pre-existing conditions.

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

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

GeoBlue Insurance for Expats in North Macedonia

GeoBlue offers premium international health insurance for expats, travelers, and global citizens. Popular with Americans abroad, it provides seamless cross-border care, 24/7 support, and telemedicine for added ease.

Overview of GeoBlue’s lans:

• Xplorer Essential Plan: For those not needing US coverage. Offers up to $1,000,000 in annual benefits, global inpatient/outpatient care, mental health, and optional dental/vision.
• Xplorer Premier Plan: GeoBlue’s top plan with unlimited coverage, US access for nine months, enhanced prescriptions, maternity care, and full Blue Cross PPO access.

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

MSH International Coverage in North Macedonia for Expats

MSH International has provided global health and life insurance since 1974. With 21 offices and over 3.5 million members, it’s known for multilingual support and flexible plans for expats and families worldwide.

MSH plans suit long-term expats, offering customizable coverage for emergency care, routine treatment, maternity, dental, vision, and wellness.

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

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

• Health Plan: Adds outpatient care, prescriptions, mental health, therapy, and legal help. 

• Health+ Plan: Includes dental and vision, like braces and corrective lenses.

• Health+Child Plan: Offers maternity, prenatal/postnatal care, childbirth, and fertility treatment.

Members then choose from four tiers (Quartz, Pearl, Sapphire, or Diamond) to set annual limits and tailor their coverage.

Why Work with a Health Insurance Broker in North Macedonia

Navigating health insurance in North Macedonia can be challenging, especially for expatriates unfamiliar with the local healthcare landscape. A qualified broker offers valuable expertise to help you make informed decisions and secure the right coverage.

Brokers specialize in international health insurance and understand the unique needs of expats. They provide tailored guidance and access to leading providers such as Cigna, Bupa, Allianz, and AXA, allowing you to compare plans and choose the most suitable option.

Whether you require coverage for pre-existing conditions, maternity care, dental, or vision, brokers can customize plans to match your medical and financial needs. Their support extends beyond enrollment, offering assistance with claims and ongoing service.

Key benefits of using a broker:

• In-depth knowledge of the North Macedonian insurance market
• Access to a broad network of global insurers
• Personalized plan recommendations
• Dedicated support with claims and policy management

Discover Top Health Insurance in North Macedonia with Pacific Prime

Finding the right health insurance in North Macedonia is easier than you think. Pacific Prime connects you with expert guidance, leading global insurers, and personalized plan comparisons tailored to expat needs.

Whether you want comprehensive coverage or a cost-effective solution, we simplify the process from start to finish. Contact us today for a free, no-obligation quote and take the first step toward secure healthcare abroad.

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Frequently Asked Questions

How much does international health insurance cost in North Macedonia?

Price ranges from USD $500 to USD $2,000 annually, depending on age, health status, and coverage level.

Which providers offer the best coverage for expats?

Leading insurers include Cigna, Bupa, Allianz, and AXA, known for global networks and flexible plans.

Will my home country’s insurance cover me abroad?

Most domestic plans offer limited international coverage, so getting a local or global policy is recommended.

Can I get coverage for pre-existing conditions?

Some insurers offer coverage for pre-existing conditions, but terms vary. Expect higher premiums or coverage limits depending on the provider.

What should I consider when comparing plans?

Review coverage details, deductible, copays, provider networks, and customer service reputation.

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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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