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Health insurance is mandatory for all residents in Kuwait, including expats. As a result, securing an international health insurance plan is essential for anyone relocating to the country. Expats need coverage to access quality healthcare services, which can be costly if paid out of pocket.
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For expats looking for the best insurance providers in Kuwait, options like Cigna, Bupa, Allianz, AXA, IMG, and more offer comprehensive health plans tailored to international needs. These companies provide a range of policies that cover everything from inpatient care to medical evacuation, ensuring expats are well-covered during their stay.
10 Leading Insurance Companies in Kuwait for Expats
The 10 best insurance companies in Kuwait for expats include Allianz Care, AXA Global, Bupa Global, Cigna, DavidShield Group, Geoblue, IMG International, PassportCard, VUMI, and William Russell.
- Allianz Care
- AXA Global
- Bupa Global
- Cigna
- DavidShield Group
- GeoBlue
- IMG International
- PassportCard
- VUMI
- William Russell
Allianz Care: Comprehensive Coverage for Expats in Kuwait
As a world-leading health insurance provider, Allianz Care is one of the top choices for expats in Kuwait for international health insurance plans. The core international health insurance plans Allianz Care offers include the Care Plan, the Care Plus Plan, and the Care Pro Plan.
Among the international plans available, the Care Pro Plan offers the most comprehensive coverage with the highest limit of US $5,000,000. Below is a table of comparison showing the limits and core coverage of each plan:
|
Allianz Care Expat Health Insurance Plans Comparison |
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|
Benefits Coverage |
Care Plan | Care Plus Plan |
Care Pro Plan |
| Maximum Plan Limit | US $2,500,000 | US $4,000,000 | US $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | ✓ | ✓ | ✓ |
| Medical Evacuation | ✓ | ✓ | ✓ |
| Preventive Surgery | ✗ | ✗ | US $40,500 |
| Emergency Out-Patient Treatment | US $338 | US $1,015 | US $1,015 |
Allianz Care policyholders can expect value-added services including Allianz’s MyHealth Digital Services, Expat Assistance Program, travel security services, expansive global network, and family-friendly benefits.
AXA Global: Flexible Health Insurance Plans for Expats
AXA Global Healthcare is a renowned brand with over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries. This makes AXA a great choice for expats looking for wide coverage and flexibility in their health insurance plan.
AXA’s international insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. The annual plan limits range from US $160,000 to US $8,000,000. The key features of their international health insurance plans are:
- Experienced 24/7 personal support
- Evacuation and repatriation coverage
- Ambulance transport
- Telehealth service
- CT, PET, and MRI scans
- Rapid claims repay
- Second medical opinion
- Cancer Treatments
- Mind Health Support
- Inpatient hospital charges and surgeries
Below is a table of comparison showing the maximum annual limits for AXA’s international health insurance plans:
| Foundation | Standard | Comprehensive | Prestige | Prestige Plus | |
| Annual Benefit Limit: | US $160,000 | US $1,600,000 | US $2,400,000 | US $3,200,000 | US $8,000,000 |
Bupa: Exceptional Global Coverage for Expats in Kuwait
Bupa is considered one of the best insurance companies in Kuwait because of its localized customer service and 24/7 medical help through Bupa’s Global Virtual Care, a leading telehealth platform capable of offering personalized treatment through technology.
All Bupa policyholders can enjoy excellent benefit provision across all plan tiers, including:
- Extensive network of providers
- Direct billing
- Customized insurance plans
- Second medical opinions
- Lifetime renewal
- Direct access to specialists without referral
- Coverage for two children under 10 at no additional cost
- Online and in-app access to support services through MembersWorld
The table below shows the annual plan limit and the coverage of Bupa’s international health insurance for expats:
|
Bupa Global Health Plans Compared |
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| Private Hospital Room Coverage | Medical Repatriation Coverage | Medical Evacuation Coverage | Outpatient Prescriptions | |
| Major Medical | Yes | Yes | Yes | No |
| Select | Yes | No | Yes | Yes |
| Premier | Yes | No | Yes | Yes |
| Elite | Yes | Yes | Yes | Yes |
Cigna Global: Reliable International Health Insurance for Expats
Cigna Global is a renowned insurance provider providing policies in over 200 markets and territories around the world. The four core international health insurance plans Cigna Global offers include: Silver, Gold, Platinum, and Close Care.
Among the four core international health insurance plans, the Close Care plan acts more like a local plan and only provides coverage in your country of residence. As such, the benefits and annual limit is not as comprehensive as the other plans offered.
Cigna Global International Health Insurance Plans table of core benefits:
|
Cigna Health Insurance Plans: Standard Medical Benefits (USD) |
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|
Coverage Benefits |
Silver | Gold | Platinum |
Close Care |
| Annual Limit Amount | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Hospital Accommodation for Parent or Guardian | USD $1,000 | USD $1,000 | Paid in full | Not Covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Inpatient Cash Benefit | USD $100 | USD $100 | USD $100 | USD $100 |
| Accident and ER Treatment | USD $500 | USD $1,000 | USD $1,200 | Not Covered |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
DavidShield Group: Trusted Insurance Provider for Expats
DavidShield Group is a leading international private medical insurance provider in the insurance industry offering their services to customers over 150 countries. Their strategic alliances with healthcare providers worldwide makes them one of the best options for expats in Kuwait.
DavidShield offers policyholders extensive medical coverage and their smart card, the DavidCard, which allows policyholders to make payments for healthcare services without out-of-pocket payments.
For policyholders with USA & worldwide coverage, cost sharing options are also available to optimize your experience during the policy lifetime.
GeoBlue: Global Coverage with Convenient Plan Options for Expats
In addition to travel insurance plans, GeoBlue offers the Xplorer Essential and the Xplorer Premier expat health insurance plans that offer comprehensive international health coverage with an extensive network of providers across over 180 countries.
The two main plans differ in their coverage and whether or not they have coverage in the US. The Xplorer Premier plan offers more comprehensive coverage and offers coverage in the US by default. On the other hand, the Xplorer Essential has lower benefits and US coverage is available as an add-on.
For expats who don’t plan to visit or return to the US, the Xplorer Essential is a great option to get access to international coverage.
Whilst the coverage for both plans differs, all GeoBlue members have access to the following benefits outside of the US:
- Unlimited telemedicine visits
- Optional dental and vision coverage
- Immediate coverage of pre-existing conditions with proof of previous coverage
- A waived deductible for prescriptions, office visits, and preventative care
Both the Xplorer Essential and the Xplorer Premier plan feature a range of deductible options providing you with effective solutions to manage your premium costs.
|
Xplorer Plans USA Coverage Comparison |
||
| Xplorer Essential w/ Add-on | Xplorer Premier | |
| Medical Maximum Benefit Amount | USD $1,000,000 | Unlimited |
| Coverage Duration within the United States (for US Citizens) | Maximum of three trips per calendar year, 21 days per trip | Capped at 9 months |
| Preventative Care within USA | Not Covered | Yes |
| Ability to Travel to USA for Treatment | No | Yes |
| Outpatient Prescription Drug Coverage | USD $1,000 for prescriptions only related to emergency medical care, illness, and accidental injury | USD $2,500 for Basic Benefit Package, USD $25,000 with Enhanced Prescription Upgrade |
| Outpatient Mental Health Benefits within the USA | Not Covered | In-network: 100% after $30 copay; Out-of-network: 60% |
| USA Benefits for Covered Pre-existing Condition | USD $500 | Unlimited |
| Co-pay for each USA In-Network Physician Office Visit (USD) | $50 | $30 |
IMG Global: Affordable Health Insurance Plans for Expats in Kuwait
IMG Global Health’s international health insurance plan is available in four different categories of coverage: Bronze, Silver, Gold, and Platinum.
All the IMG Global international health insurance plans have a non-renewable lifetime limit. As such, the premium is more affordable than other insurance companies; those looking to relocate should consider a more sustainable plan.
The benefits provided by IMG are comprehensive, with coverage for inpatient, prescription coverage, cancer treatment, and medical emergencies. You can also opt to add riders such as dental, vision, maternity, and even sports coverage depending on your plan level.
The lifetime limits vary across the four tiers, with a maximum limit of up to USD $8,000,000 per individual. Here’s a comparison of some of the core benefits provided by IMG’s international health insurance of different tiers:
|
IMG Health Insurance Plans Benefits Comparison |
||||
|
Benefits Coverage |
Bronze | Silver | Gold |
Platinum |
|
Physician Visits |
✓ | ✓ | ✓ |
✓ |
| Hospitalization room/board |
✓ |
USD $600 per day; 240 days max |
✓ |
✓ |
| Surgery |
✓ |
✓ | ✓ |
✓ |
| Labs & X-rays |
✓ |
✓ | ✓ |
✓ |
| Physical therapy |
✓ |
✓ |
USD $50 Maximum limit per visit | USD $50 Maximum limit per visit |
| Outpatient Surgery |
✓ |
✓ | ✓ |
✓ |
| Cancer Treatment |
✓ |
✓ | ✓ |
✓ |
PassportCard: Hassle-Free Health Insurance with Instant Claims
What makes PassportCard a great insurance option for expats in Bahrain is how easily policyholders can make claims and have them settled in real-time, eliminating the need for out-of-pocket payments, complicated claim forms, and lengthy approvals.
Benefits of PassportCard insurance plans:
- Instant Payouts: When seeing a doctor abroad, policyholders can dial the number on the back of their PassportCard. The system will calculate the costs instantly and transfer the money straight onto your card, which can then be use like a normal debit card when accessing medical care.
- No Paperwork Required: PassportCard is the only travel insurer who can settle claims in real-time.
- Re-activation: To activate the PassportCard, all policyholders need to do is contact the insurer before going abroad to activate the policy for a set length of time. This step can be repeated every time you go abroad.
VUMI: Premium Health Insurance Plans for Expats in Kuwait
VUMI offers international health insurance policies such as the Global Flex VIP plan for expats. The Global Flex plans have five different tiers: Basic, Standard, Superior, Ultra, and Total.
All the Global Flex VIP plans include inpatient benefits including:
- Standard private hospital room fully covered
- Fully covered intensive care unit stays
- Accommodations for an adult accompanying an insured child under age 18 during the child’s hospitalization
- Medications prescribed while in the hospital are fully covered
- Psychiatric treatments are fully covered for up to 30 days
Eligibility and special conditions expats need to know when applying for Global Flex VIP plans:
- Applicants must be aged 74 years or younger
- Declared pre-existing conditions may be covered. This benefit will be evaluated during underwriting.
- HIV-AIDS may be covered by VUMI’s Global Flex VIP Plans after a 36-month waiting period with a benefit limit of up to USD $50,000.
- Routine maternity coverage has a 12-month waiting period through VUMI’s applicable Global Flex VIP Plans.
- Injuries that occur while training or practicing hazardous sports and hobbies are excluded from coverage.
Below is a table showing the annual benefit limits of each tier in the Global Flex VIP Plans:
|
Global Flex VIP 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 |
William Russell: Customizable Health Insurance Plans for Expats
Known for providing comprehensive and customizable international health insurance, William Russell is a great option for expats in Bahrain looking to get insured. Their international health insurance plans are available in four tiers: Bronze, Silver Lite, Silver, and Gold.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. Below are the core insurance coverage for the four tiers:
|
Benefits Coverage |
Bronze | Silver Lite | Silver |
Gold |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Treatments |
✓ |
✓ | ✓ |
✓ |
| Advanced Diagnostic Tests |
✓ |
✓ | ✓ |
✓ |
| Emergency Medical Evacuation |
✓ |
✓ | ✓ |
✓ |
| Cancer Treatment |
✓ |
✓ | ✓ |
✓ |
| Lifetime Limit for Mental Health Treatment |
US $50,000 |
✗ |
US $75,000 | US $100,000 |
Frequently Asked Questions
Is health insurance mandatory for expats in Kuwait?
Health insurance is not only mandatory for expats but all individuals residing in Kuwait. Having a comprehensive health insurance plan will give expats access to quality healthcare services in the country which can be quite expensive to pay out of pocket.
How do I find my insurance plan’s network of healthcare providers in Kuwait?
You can find a network healthcare provider in Kuwait by contacting your insurer’s customer support or visiting their online portal and look for a network of providers directory. Having a list of network providers ready at hand can help you avoid unnecessary payments and conflicts with your insurer.
Conclusion
It is essential that expats in Kuwait are covered by a health insurance plan as it is mandatory for all individuals in the country to be covered by a health insurance plan, similar to Dubai.
If you are looking to secure an international health insurance plan to protect yourself from unexpected medical expenses, Pacific Prime can help you. With over two decades of experience, our expert advisors can help find a comprehensive plan that suits your needs and requirements.
Expats who are still deciding on where to relocate may find our guides on the top insurance companies for China and Mauritius helpful.
Contact us today for a free plan comparison and an obligation-free quote!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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