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International health insurance ensures expats in Serbia receive the flexible, customizable, and portable medical care necessary to meet the unique needs of living abroad. . Look to reputable providers like AXA, Allianz, April, Bupa, Cigna, VUMI, and more for the best plans for expats in Serbia.
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Are you preparing for expat life in Serbia and don’t know which type of insurance will best cover you without breaking the bank? Does the task of comparing plans and benefits feel overwhelming?
This article is here to simplify the process of securing the right plan. We’ll walk you through the best health insurance options for expats in Serbia so you can make an informed decision. With the right coverage, you can enjoy peace of mind and financial security while embracing life abroad.
Best Health Insurance Providers for Expats in Serbia
The following are the top insurance providers for expats in Serbia:
- AXA
- Allianz
- April International
- Bupa
- Cigna
- HealthCare International Group
- NOW Health International
- VUMI
- IMG
- DavidShield
- Geoblue
- MSH International
AXA for Expats in Serbia
AXA is a leading global health insurer known for its strong commitment to expatriates. With over 50 years of experience and more than 95 million clients in 50 countries, AXA has earned a reputation for reliable international healthcare coverage.
Overview of AXA plans:
- Foundation Plan: Covers key inpatient services like hospital stays, cancer care, and emergency evacuation. Outpatient treatment can be added if needed, making it a solid choice for basic health coverage.
- Standard Plan: Adds dental coverage (excluding routine exams) and optional outpatient and prescription benefits. It suits those who want more than just essential medical protection.
- Comprehensive Plan: Includes chronic illness care, vision services, and full outpatient coverage. Ideal for expats who need regular access to healthcare and broader medical support.
- Prestige Plan: Builds on the Comprehensive Plan with maternity coverage and yearly health checkups. It’s a great fit for individuals or families planning long-term stays overseas.
- Prestige Plus Plan: AXA’s top-tier option, offering the highest coverage limits and all Prestige Plan benefits. It’s crafted for those who want maximum protection and premium healthcare services.
Below is a summary of the annual benefit limits of AXA’s plan:
AXA Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Foundation | $160,000 |
| Standard | $1,600,000 |
| Comprehensive | $2,400,000 |
| Prestige | $3,200,000 |
| Prestige Plus | $8,000,000 |
Allianz in Serbia for Expats
Allianz Care offers global health insurance for expats in over 75 countries, with support in 58 languages. Known for its vast medical network and smooth claims process, Allianz provides flexible plans for individuals and families living abroad.
Overview of Allianz plans:
- Core Plan: Covers key services like semi-private hospital stays, cancer treatment, emergency evacuation, home nursing, and urgent outpatient care, making it an ideal plan for basic health protection.
- Core Plus Plan: Adds emergency dental care, private hospital room access, and higher limits for rehab and nursing. This plan is great for those seeking enhanced coverage beyond the basics.
- Care Pro Plan: Allianz’s most complete plan, including all Core Plus benefits plus extras like preventive surgery and laser eye correction. The Care Pro plan is perfect for expats wanting top-tier care.
Below is a summary of the annual benefit limits of Allianz’s Plans:
Allianz Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Care | $2,500,000 |
| Care Plus | $4,000,000 |
| Care Pro | $5,000,000 |
April International Insurance for Serbia Expats
April International has over 30 years of experience in global health insurance. Operating in 12 countries and serving clients in 180+, April is known for intuitive digital tools and tailored coverage for expats and international travelers.
Overview of MyHealth plans:
- Emergency Plan: Covers hospital stays and medical repatriation during emergencies. It excludes outpatient, dental, and maternity care. This plan is ideal for those only needing basic protection for urgent situations.
- Formule Basic Plan: Includes inpatient and cancer care, limited outpatient services, and basic dental and vision coverage. Maternity is not covered, so this plan is best for essential health needs without extras.
- Essential Plan: Adds moderate outpatient and preventive care, maternity up to €3,000 (USD $3,502), dental up to €1,000 (USD $1,167), and vision up to €250 (USD $292).
- Comfort Plan: Offers full cancer care, broad outpatient services, maternity up to €6,000 (USD $7,005), dental up to €2,000 (USD $2,335), and vision up to €500 (USD $584). This plan is great for long-term expats.
- Premium Plan: April’s top-tier plan, with full outpatient care, maternity up to €12,000 (USD $14,009), dental up to €4,000 (USD $4,670), and vision up to €700 (USD $818). Maximum coverage for peace of mind.
Here is a breakdown of April International’s MyHealth plans’ annual benefit limits:
April International Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (EUR/USD) |
| Emergency | €250,000 (~$290,000) |
| Formule Basic | €500,000 (~$580,000) |
| Essential | €1,000,000 (~$1,164,200) |
| Comfort | €1,500,000 (~$1,746,350) for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: unlimited |
| Premium | €3,000,000 (~$3,492,710) for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: unlimited |
Bupa International Insurance for Expats in Serbia
Bupa Global, founded by medical experts, has over 30 years of experience in international healthcare. Serving clients in 190+ countries, it’s known for premium service, wide global coverage, and tailored insurance plans for individuals, families, and businesses.
Overview of Bupa plans:
- Major Medical Plan: Covers essential inpatient services like hospital care, emergency evacuation, and repatriation. It excludes outpatient, dental, and maternity. Ideal for basic protection needs.
- Select Plan: Adds outpatient care and annual checkups to the Major Medical Plan. It doesn’t include maternity, dental, or vision. This plan is best for those needing routine care within a regional scope.
- Premier Plan: Expands coverage with outpatient services, dental and vision benefits, vaccinations, and yearly screenings. This plan is great for those seeking a more complete health package.
- Elite Plan: Designed for families and long-term expats, it includes maternity, dental, and vision coverage, private hospital stays, and extensive outpatient care for broader protection.
- Ultimate Plan: Bupa’s top-tier plan offers unlimited coverage, full maternity benefits, genetic cancer screening, and free coverage for two kids under 16. Get maximum care and family support.
Here is a summary of Bupa’s annual benefit limits:
Bupa Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Major Medical | About $3,174,200 |
| Select | About $1,587,100 |
| Premier | About $2,380,600 |
| Elite | About $4,761,300 |
Cigna For Expats in Serbia
Cigna Global supports clients in over 200 regions, backed by 1.5 million healthcare providers and 24/7 multilingual assistance. Its flexible insurance plans are crafted for expats, international families, and globally mobile individuals seeking reliable coverage.
Overview of Cigna plans:
- Silver Plan: Covers inpatient care, cancer treatment, and mental health support up to USD $5,000. US coverage is optional.
- Gold Plan: Adds maternity coverage up to USD $7,000; mental health support up to USD $10,000; and higher limits for rehab, imaging, and home nursing.
- Platinum Plan: Cigna’s top-tier plan includes unlimited coverage, full maternity up to USD $14,000, advanced imaging, full mental health care, and global medical evacuation.
Below is a summary of Cigna’s annual benefit limits:
Cigna Global Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Silver | $1,000,000 |
| Gold | $2,000,000 |
| Platinum | Unlimited |
HealthCare International in Serbia for Expats
HealthCare International (HCI), based in the UK, has provided global health insurance for over 35 years. Trusted in more than 80 countries, HCI focuses on portable plans tailored for expats, families, and retirees living abroad.
Overview of HCI plans:
- Protector Plan: HCI offers five plan tiers to suit evolving expat needs. Starting with hospital-only coverage, each level adds outpatient care, preventive services, and long-term health support for life overseas.
Inpatient and outpatient coverage breakdown:
| Plan | Inpatient | Standard | Plus | Premium | Executive |
| Hospital Inpatient Treatment | Covered | Covered | Covered | Covered | Covered |
| Cancer Care | Covered | Covered | Covered | Covered | Covered |
| Outpatient Prescribed Drugs | Not covered | Not covered | Partially covered | Partially covered | Partially covered |
| Physician Fees | Not covered | Not covered | Partially covered | Partially covered | Covered |
| Health Checks | Not covered | Not covered | Not covered | Partially covered | Partially covered |
NOW Health for Expats in Serbia
NOW Health International has offered global health insurance since 2010. With a network of over one million providers and a digital-first approach, it delivers flexible plans for expats, families, and students with varied medical and financial needs.
Overview of NOW Healthplans:
- SimpleCare Core Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient, dental, and maternity services are excluded. This plan is best for basic hospital coverage.
- SimpleCare 100 Plan: Adds limited outpatient care and optional copays to help manage costs. Dental and maternity remain excluded. Suited for budget-conscious expats.
- SimpleCare 250 Plan: Includes outpatient visits, specialist care, and basic dental. Maternity is only available for group plans with 10+ members, making this plan a great fit for small teams abroad.
- WorldCare Essential Plan: Offers inpatient coverage with a $3,000,000 annual limit. Dental is optional, maternity excluded.
- WorldCare Advance Plan: Adds outpatient care and higher coverage limits, with optional dental and copays, so it’s ideal for broader medical needs and flexibility.
- WorldCare Excel Plan: Covers dental, chronic condition management, and rehabilitation. Maternity is optional for group plans, making the plan suitable for long-term health support.
- WorldCare Apex Plan: NOW Health’s most comprehensive plan, with $4,500,000 in coverage. Includes full dental, maternity, and extensive outpatient care. It’s the perfect plan for top-tier protection.
Here is a summary of NOW Health’s annual benefit limits:
NOW Health International Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| SimpleCare Core | $1,000,000 |
| SimpleCare 100 | $1,500,000 |
| SimpleCare 250 | $1,500,000 |
| WorldCare Essential | $3,000,000 |
| WorldCare Advance | $3,500,000 |
| WorldCare Excel | $4,000,000 |
| WorldCare Apex | $4,500,000 |
VUMI Health Insurance in Serbia for Expats
VUMI (VIP Universal Medical Insurance Group) provides global health insurance with high coverage limits, direct billing, and private care access. Its Global Flex VIP plans are designed for expats, families, and frequent travelers seeking flexible, portable protection.
Overview of VUMI Global Flex VIP plans:
- Basic Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient, dental, and maternity services are excluded.
- Standard Plan: Adds outpatient diagnostics and optional wellness or vision benefits. Emergency dental is included.
- Superior Plan: Offers mental health support, optical care, and maternity coverage up to USD $12,500. Emergency dental remains the only dental benefit.
- Ultra Plan: Includes routine dental (after nine months), enhanced outpatient services, and maternity coverage up to USD $15,000. Ideal for long-term expats and families.
- Total Plan: VUMI’s most comprehensive option, with maternity up to USD $20,000, full dental and vision care, and IVF. This plan is best suited for those seeking premium protection and family support.
Below is a summary of VUMI’s annual benefit limits:
VUMI Global Flex VIP Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Basic | $3,000,000 |
| Standard | $3,500,000 |
| Superior | $4,000,000 |
| Ultra | $4,500,000 |
| Total | $5,000,000 |
IMG International Health Insurance for Expats in Serbia
IMG, a US-based insurer, has provided global health and travel coverage since 1990. Known for flexible benefits and reliable support, IMG offers customizable plans for expats, families, and organizations across a wide range of international needs.
IMG’s plans cater to diverse lifestyles, from long-term expats to short-term travelers and students. With worldwide coverage and adaptable options, it’s a trusted provider for international healthcare.
Overview of IMG plans:
- Bronze Plan: Covers inpatient care, outpatient surgery, and emergency evacuation. Maternity and newborn care are excluded.
- Silver Plan: Adds outpatient services and access to specialists. Evacuation coverage increases to $50,000.
- Gold Plan: Expands outpatient care, includes adventure sports coverage, and improves prescription benefits, making this plan well suited for active expats and travelers.
- Platinum Plan: IMG’s top-tier plan includes maternity (after 10 months), newborn care, terrorism protection, and full evacuation.
Below is a summary of IMG’s lifetime limits:
IMG Plans – Lifetime Benefit Limits |
|
| Plan | Lifetime Benefit Limit (USD) |
| Bronze | $1,000,000 per individual |
| Silver | $5,000,000 per individual |
| Gold | $5,000,000 per individual |
| Platinum | $8,000,000 per individual |
DavidShield Insurance for Serbia Expats
DavidShield, also known as PassportCard, provides global health insurance for expats in Serbia. Its prepaid card system allows instant payment for medical services, removing the hassle of reimbursement claims and simplifying access to care.
Overview of DavidShield PassportCard plans:
- Global Plan: Offers wide international coverage similar to the Relocation plan but excludes healthcare services in the United States.
- Relocation Worldwide Plan: Covers hospitalization, maternity, mental health, emergency evacuation, pediatric care, and pre-existing conditions.
Here is a summary of the benefits and coverage offered by DavidShield:
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included with the Worldwide plan |
| Inpatient Care | Covered |
| Outpatient Care | Partial coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation & Care | Covered |
| Cancer Care | Not covered |
| Maternity Care | Covered |
| Mental Health Care | Covered |
| Dental | Not covered |
| Optical | Not covered |
Below is how much coverage each DavidShield plan offers annually for expats:
| Plan | Annual Benefit Limit (USD) |
| Global Plan (Excluding the US) | About $4,100,000 |
| Relocation Worldwide | $5,000,000 |
GeoBlue Insurance for Expats in Serbia
GeoBlue provides premium international health insurance for expats, travelers, and global citizens. Favored by Americans abroad, it offers smooth cross-border care, 24/7 support, and telemedicine.
Overview of GeoBlue plans:
- Xplorer Essential: Designed for those not needing US coverage. Includes up to $1,000,000 in annual benefits, global inpatient/outpatient care, mental health support, and optional dental and vision.
- Xplorer Premier: GeoBlue’s most comprehensive plan with unlimited coverage, US access for up to nine months, enhanced prescription benefits, maternity care, and full access to the Blue Cross PPO network.
Below is a summary of GeoBlue’s annual benefit limits:
GeoBlue Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Xplorer Essential | $1,000,000 |
| Xplorer Premier | Unlimited |
MSH International Coverage in Serbia for Expats
MSH has offered global health and life insurance since 1974. With 21 offices and 3.5 million members, it’s known for multilingual support and flexible plans tailored to expats and families across the globe.
MSH plans are ideal for long-term expats, offering customizable coverage for emergencies, routine care, maternity, dental, vision, and wellness services.
Overview of First’Expat+ plans:
- Hospi Plan: Covers hospital stays, surgeries, cancer care, scans, evacuation, and emergency dental.
- Health Plan: Adds outpatient care, prescriptions, mental health support, therapy, and legal assistance.
- Health+ Plan: Includes dental and vision benefits, such as braces and corrective lenses.
- Health+Child Plan: Offers maternity, prenatal/postnatal care, childbirth, and fertility treatment.
Members then select from four tiers (Quartz, Pearl, Sapphire, or Diamond) to set annual coverage limits and personalize their plan.
Why Use a Broker for Health Insurance in Serbia
Navigating health insurance in Serbia can be complex, especially for expats unfamiliar with the local system. A qualified broker offers expert guidance to help you make informed choices and secure coverage that fits your needs.
Brokers specialize in international health insurance and understand the unique challenges expats face. They offer tailored advice and access to top providers like Cigna, Bupa, Allianz, and AXA, helping you compare and select the best plan.
Whether you need coverage for pre-existing conditions, maternity, dental, or vision, brokers can customize plans to match your health and financial needs. Their support continues after enrollment, assisting with claims and service.
Key benefits of using a broker:
- Deep knowledge of the Serbian insurance market
- Access to leading global insurers
- Personalized plan recommendations
- Ongoing support for claims and policy management
Discover Top Health Insurance in Serbia with Pacific Prime
Finding the right health insurance in Serbia is simpler than you might expect. Pacific Prime offers expert advice, access to top global insurers, and personalized plan comparisons tailored to expat needs.
Whether you’re seeking full coverage or a budget-friendly option, we make the process smooth from start to finish. Reach out today for a free, no-obligation quote and take the first step toward secure healthcare abroad.
Frequently Asked Questions
What’s the typical cost of international health insurance in Serbia?
Annual premiums range from €500 to €1,500 , depending on your age, health status, and the level of coverage you select.
Can expats get coverage for pre-existing conditions or maternity care?
Some providers, like Cigna and Allianz, offer coverage for pre-existing conditions and maternity, often with waiting periods. Always review policy terms carefully.
How do I compare health insurance plans effectively?
Beyond price, consider coverage limits, deductibles, exclusions, and provider reputation. A comparison table can help highlight key differences.
What coverage options are available for expats in Serbia?
Plans range from Serbia-only coverage to full international protection. Your choice depends on your travel habits, health needs, and budget.
Why work with a broker when choosing health insurance?
Brokers offer expert advice, access to top insurers, and help with applications and claims, making the process smoother and more personalized.
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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