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Top international health insurance providers for expats in Iceland include Allianz, April International, AXA, Bupa, Cigna, GeoBlue, HealthCare International Group, IMG, MSH, and NOW Health International. Each offers plans tailored to the healthcare needs of individuals and families abroad.
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Are you an expat preparing for a long-term move to Iceland? Are you trying to compare health insurance that will meet your lifestyle without breaking the bank?
In this Pacific Prime guide, we’ll explore the best insurers for expats in Iceland, outlining their plan options, coverage features, and main benefits. By the end, you’ll have the information needed to choose the right health insurance for your stay in Iceland.
Best International Health Insurance Providers for Expats in Iceland
Below are 10 of the best insurance providers for expats in Iceland:
- Allianz Care
- April International
- AXA
- Bupa
- Cigna
- GeoBlue
- HealthCare International Group
- IMG
- MSH International
- NOW Health International
Expats in Iceland can choose from a variety of international health insurance providers, each offering plans designed to suit different medical needs and budgets. Below is an overview of these insurers and the coverage options available to help expats stay secure while living in Iceland.
Allianz Care: Comprehensive Health Insurance for Expats in Iceland
Allianz Care offers global health insurance tailored for expats in Iceland. With three flexible tiers—Care, Care Plus, and Care Pro—you can select the protection level that suits your needs, ranging from essential hospital coverage to extensive outpatient and preventive care.
Overview of Allianz’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Care | 2,500,000 | Inpatient/day-care, oncology, rehabilitation, home nursing, medical evacuation, emergency outpatient | Outpatient, dental, and repatriation |
| Care Plus | 4,000,000 | All Care benefits with higher limits, extended rehab, home nursing, and emergency dental | Outpatient, dental, repatriation |
| Care Pro | 5,000,000 | All Care Plus benefits plus preventive surgery, laser eye treatment, wider outpatient & dental coverage | Outpatient, dental, and repatriation |
The Care plan ensures access to crucial inpatient services and urgent treatment, giving expats in Iceland affordable protection against unexpected hospital bills. Care Plus boosts coverage with higher limits and emergency dental care, making it ideal for those seeking broader security.
Care Pro delivers Allianz’s most extensive coverage, adding preventive surgery, advanced outpatient care, and enhanced dental benefits. With its three clear tiers, expats in Iceland can easily choose the plan that best matches their health needs and lifestyle.
April International: Flexible MyHealth Plans for Expats in Iceland
April International provides expats in Iceland with MyHealth International plans across five tiers—Emergency, Formule Basic, Essential, Comfort, and Premium—balancing cost and comprehensive healthcare needs.
Overview of April International’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Emergency | 275,000 | Accidents & urgent medical care, medical repatriation | None |
| Formule Basic | 550,000 | Hospitalization, cancer treatment, medical repatriation | Outpatient, dental, vision |
| Essential | 1,100,000 | Hospitalization, cancer care, repatriation, and daily private room allowance | Outpatient, dental, vision, maternity |
| Comfort | Unlimited | Hospitalization, cancer care, medical repatriation, private room | Outpatient, dental, vision, maternity |
| Premium | Unlimited | All Comfort benefits plus preventive services, wider outpatient, dental, and vision cover | Maternity |
The Emergency plan is best for budget-conscious expats, covering accidents and urgent care, while higher tiers like the Comfort tier add hospitalization and private room benefits for greater reassurance in Iceland.
For those seeking full protection, the Premium tier offers comprehensive outpatient, preventive, dental, and vision services. With plans spanning from essential to all-inclusive, April International helps expats in Iceland secure tailored healthcare solutions.
AXA: International Health Plans Tailored for Expats in Iceland
AXA delivers tailored medical coverage for expats in Iceland with five options—Foundation, Standard, Comprehensive, Prestige, and Prestige Plus—designed to suit a wide range of budgets and healthcare needs.
Overview of AXA’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Foundation | 160,000 | Core inpatient and day-care cover, urgent evacuation, and multilingual assistance | Preventive care, wellness extras |
| Standard | 500,000 | Adds outpatient visits, basic dental, and medical repatriation to Foundation | Preventive care, wellness extras |
| Comprehensive | 2,000,000 | Includes maternity, support for chronic illnesses, and vision services | Preventive care, wellness extras |
| Prestige | 4,000,000 | Higher benefit caps with pregnancy care and yearly health checkups | Preventive care, wellness extras |
| Prestige Plus | 8,000,000 | Full-scale cover with the widest limits and premium-level services | Preventive care, wellness extras |
The Foundation plan offers core hospital care and emergency evacuation—an affordable choice for expats starting. The Standard plan broadens coverage with outpatient treatment and dental, giving balanced protection at mid-level cost.
Expats needing more can look to the Comprehensive plan, which adds maternity, vision, and chronic care. For maximum peace of mind, Prestige and Prestige Plus provide elevated limits, annual reviews, and enhanced family-friendly services.
Bupa Global: Elite Medical Insurance Options in Iceland
Bupa Global delivers international medical plans crafted for expats in Iceland. With four tiers—Major Medical, Select, Premier, and Elite—you can choose between essential inpatient-only care or extensive worldwide protection.
Overview of Bupa Global’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Major Medical | 3,174,200 | Covers inpatient and day-care, worldwide evacuation, and 24/7 multilingual helplines | Outpatient visits, dental care, and repatriation |
| Select | 1,587,100 | Expands Major Medical with outpatient treatment, dental, and repatriation | Maternity care, chronic condition support, vision |
| Premier | 2,380,600 | Builds on Select with maternity coverage, long-term illness care, and eye health | Preventive checkups, wellness services |
| Elite | 4,761,300 | Broadest plan offering the highest limits and extensive treatment options | Preventive checkups, wellness services |
The Major Medical plan is best for budget-conscious expats, covering hospital stays and emergency transport. The Select plan enhances this with outpatient, dental, and repatriation services for balanced coverage.
For those requiring broader protection, the Premier plan offers maternity, chronic care, and vision benefits, making it an ideal choice for families. At the top, Elite offers unmatched limits and premium-level benefits for complete peace of mind.
Cigna: Adaptable International Health Insurance for Expats in Iceland
Cigna Global offers flexible international coverage for expats in Iceland. Its modular plans—Silver, Gold, Platinum, and Close Care—allow you to customize benefits, including inpatient care, mental health, maternity, outpatient services, and regional-only coverage.
Overview of Cigna’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Silver | 1,000,000 | Inpatient/day-patient care, global coverage, mental health (USD $5,000), cancer care, private room, infectious disease treatment | Outpatient, evacuation, dental, vision |
| Gold | 2,000,000 | All Silver benefits plus maternity (USD $5,000), maternity complications (USD $14,000), newborn care (USD $75,000), extended mental health (USD $10,000) | Outpatient, evacuation, dental, vision |
| Platinum | Unlimited | All Gold benefits plus enhanced maternity (USD $14,000), newborn care (USD $156,000), and unlimited mental health coverage | Outpatient, evacuation, dental, vision |
| Close Care | 500,000 | Regional coverage (Poland + country of nationality), inpatient and cancer care, semi-private room, mental health (USD $3,000); excludes evacuation/maternity | Outpatient, evacuation, dental, vision |
Silver offers solid hospital and cancer coverage, with basic mental-health support. Gold raises limits and adds maternity, newborn care, and extra mental-health benefits for expats needing broader protection.
Platinum provides unlimited coverage and top-tier maternity and newborn care, ideal for families or those seeking full protection. Close Care is a cost-effective option for regional coverage, focusing on inpatient and cancer treatment.
GeoBlue: Flexible International Health Insurance for Expats in Iceland
GeoBlue offers international health plans for expats in Iceland, designed for long-term coverage. The Xplorer series, including Essential and Premier, provides flexible global protection and access to medical providers worldwide for both US and non-US citizens.
Overview of GeoBlue’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Xplorer Essential | 1,000,000* (with US add-on) | Inpatient care, surgeries, diagnostics, emergencies, evacuation, and annual checkups | Optional US coverage |
| Xplorer Premier | Unlimited | Includes all Essential benefits plus pre-existing conditions, no annual/lifetime limits, global provider access | Dental, vision, prescriptions, and telemedicine |
*Estimate includes U.S. coverage.
The Essential plan delivers reliable inpatient and emergency coverage, ensuring expats in Iceland have solid protection for both routine and urgent care.
The Premier level offers unlimited worldwide coverage, including support for pre-existing conditions. Additional options such as dental, vision, prescriptions, and telemedicine allow plans to be customized to individual needs and lifestyles.
HealthCare International Group: Tailored Global Health Plans for Expats in Iceland
HealthCare International Group (HCI Group) offers tailored international health insurance for expats living in Iceland. Their plans are designed to meet a wide variety of healthcare needs, providing access to quality medical care both locally and worldwide.
Overview of HealthCare International Group’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Health Protect | Varies | Inpatient and outpatient treatment, emergency medical evacuation, repatriation, 24/7 multilingual assistance | Dental, vision, and outpatient services |
| Integra Global | Varies | High-limit coverage, including cancer care with no annual/lifetime caps, access to premium medical facilities worldwide | Dental, vision, and outpatient services |
| MarineSure Health | Varies | Designed for maritime workers, covers medical emergencies at sea, repatriation, and routine care | Dental, vision, and outpatient services |
| OceanCare | Varies | For aviation personnel, includes in-flight medical emergencies, repatriation, and standard medical care | Dental, vision, and outpatient services |
HCI Group offers expats in Iceland international health plans designed to match diverse medical needs. Coverage includes hospital care, outpatient services, emergency evacuation, and repatriation, with add-ons such as dental and vision to enhance protection.
For professionals in maritime, aviation, and specialized sectors, tailored plans provide coverage for unique work-related risks. With access to a global medical network and scalable options, HCI Group ensures expats in Iceland have reliable healthcare and peace of mind abroad.
IMG Global: Adaptive International Health Coverage for Expats in Iceland
IMG Global delivers long-term international health insurance tailored for expats in Iceland. Their four-tier structure—Bronze, Silver, Gold, and Platinum—allows you to choose plans with annual and lifetime limits that match both your medical requirements and budget.
Overview of IMG Global’s Health Insurance Plans in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Bronze | 1,000,000 | Basic hospital care, outpatient procedures, global coverage, and emergency evacuation (up to USD $50,000) | Dental, vision, maternity, telemedicine, customizable riders |
| Silver | 5,000,000 | Bronze benefits plus broader outpatient coverage and greater international flexibility | Same as Bronze |
| Gold | 5,000,000 | Silver benefits with extended emergency evacuation up to lifetime limits | Same as Bronze |
| Platinum | 8,000,000 | Gold coverage plus maternity and newborn care after the waiting period | Same as Bronze |
Bronze and Silver offer strong protection for hospital stays, outpatient treatment, and urgent evacuation, ideal for expats in Iceland seeking reliable coverage without overextending financially.
Gold and Platinum provide enhanced limits and additional benefits such as full evacuation support, maternity, and newborn care. Platinum is the top-tier option, delivering extensive global coverage and maximum peace of mind for expats.
MSH International: Flexible International Health Insurance for Expats in Iceland
MSH International provides expats in Iceland with health insurance that adapts to individual needs. Plans cover hospital stays, outpatient treatment, maternity care, and medical evacuation, with optional add-ons like dental and vision for extra protection.
Overview of MSH International’s Plans for Expats in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Start’Expat+ | 625,000 | Core inpatient and outpatient treatment, emergency evacuation | Dental, vision |
| First’Expat+ | 1,250,000 | Broader inpatient/outpatient coverage, maternity, and urgent medical support | Dental, vision, maternity |
| Relais’Expat+ | 3,750,000 | Extensive inpatient/outpatient services, maternity, chronic conditions, and evacuation | Dental, vision, maternity |
Start’Expat+ suits expats seeking essential coverage for short-term stays or emergencies. First’Expat+ extends benefits with maternity and chronic care, while Relais’Expat+ is designed for those connected to French Social Security systems.
All options include customizable add-ons, giving expats flexibility. Through MSH’s international network, policyholders can access timely treatment in Iceland and overseas, ensuring adaptable protection for diverse healthcare needs.
NOW Health International: Digital-first Health Coverage for Expats in Iceland
NOW Health International delivers modern, tech-enabled health insurance for expats in Iceland. Their SimpleCare and WorldCare series provide tiered plans, letting policyholders adjust limits and benefits to match personal medical needs and budget.
Overview of NOW Health International’s Plans for Expats in Iceland
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| SimpleCare Core | 1,000,000 | Basic inpatient/day-patient care, emergency treatment, evacuation, and repatriation | Outpatient (in higher tiers only) |
| SimpleCare 100 / 250 | 1,500,000 | Adds outpatient care, chronic condition support, and limited dental (250 tier) | Dental, vision, maternity (tier-dependent) |
| WorldCare Essential | 3,000,000 | Inpatient/day-patient, organ transplants, evacuation, congenital conditions, and optional maternity | Outpatient, dental, maternity |
| WorldCare Advance / Excel / Apex | 3,500,000–4,500,000 | Enhanced inpatient/outpatient, dental, complex maternity, and higher annual limits across tiers | Full outpatient, dental, maternity |
SimpleCare offers essential hospital and emergency care for expats in Iceland, covering day-patient treatment and urgent medical needs. Higher tiers add outpatient visits, chronic condition support, maternity services, and limited dental care for broader protection.
WorldCare offers more extensive plans with limits from USD $3M to $4.5M. Benefits include inpatient, outpatient, maternity, dental, and chronic care, plus fast digital tools for seamless international healthcare access.
Why Use a Broker for Health Insurance in Iceland
Navigating the health insurance landscape in Iceland can be challenging for expats. A broker, like Pacific Prime, simplifies the process, helping you identify the right plan to suit your healthcare needs and budget.
Pacific Prime provides expert guidance, comparing options from multiple providers to find competitive rates. We clarify policy coverage, exclusions, and terms, helping expats avoid unexpected costs. We also assist with claims, making it easier to manage healthcare without stress.
Benefits of working with a health insurance broker:
- Deep knowledge of Icelandic and international health insurance options
- Comparison of multiple plans to secure the best value
- Clear explanations of policy details and coverage limits
- Support with claims and ongoing plan management
By working with a trusted broker like Pacific Prime, expats in Iceland gain access to tailored insurance solutions, expert advice, and smooth claims support, ensuring comprehensive protection and peace of mind while living abroad.
Protect Your Health in Iceland with Pacific Prime
Iceland provides high-quality healthcare, but expats may face challenges navigating local hospitals, understanding coverage, or accessing specialist treatment. International health insurance ensures you are prepared for any situation.
With international health insurance, you gain financial protection and peace of mind, covering both routine care and unexpected emergencies abroad. This helps prevent unforeseen medical costs from disrupting your life in Iceland.
Pacific Prime leverages over 25 years of experience to help expats in Iceland choose plans tailored to personal and family needs, ensuring easier access to trusted care and reliable protection.
Contact us today for a free plan comparison and expert, impartial guidance.
Frequently Asked Questions
What are the benefits of using a broker for health insurance in Iceland?
A broker, like Pacific Prime, simplifies the process of finding the right health insurance in Iceland. They compare multiple providers, clarify policy details, and recommend plans suited to your needs, saving time and ensuring you get appropriate coverage.
How do health insurance providers handle pre-existing conditions for expats in Iceland?
Coverage for pre-existing conditions varies by provider. Some plans may exclude certain conditions or impose waiting periods. Always review policy terms carefully and disclose medical history to understand what is covered and avoid surprises.
Can I purchase health insurance in Iceland as an expat without being a resident?
Many providers in Iceland offer plans for non-resident expats. Eligibility and coverage can differ, so it’s important to check each policy’s requirements to ensure it meets your healthcare needs abroad.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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