The Smarter Way British Expats in Asia Are Securing Private Health Insurance
By Camellia White | Last reviewed
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Living Abroad, Missing the NHS? Here's How to Stay Covered
Moving to Asia is a bold and exciting step. Whether you're building a career in Singapore or setting up a new life with your family in Thailand, making sure you have the right private health insurance is essential. For British expats used to the NHS, navigating international healthcare can feel unfamiliar — but the right International Private Medical Insurance (IPMI) can provide peace of mind, quality treatment, and access to top facilities across your host country and beyond.
What Is IPMI and Why Do British Expats Need It?
IPMI policies are designed specifically for people living outside their home country. For British expats who are used to the NHS, the shift to private healthcare systems abroad can be a real adjustment. Unlike travel insurance, which is intended for short-term stays and emergencies, IPMI provides continuous coverage for everyday needs like GP visits, prescriptions, diagnostic scans and major procedures. In many parts of Asia, public healthcare systems are not open to foreigners, or services may fall short of UK expectations. A high-quality IPMI policy gives you access to English-speaking doctors, well-equipped international hospitals, and reliable, professional care that mirrors the standards you're used to back home.
Who Qualifies for IPMI?
Most British nationals living and working in Asia will qualify for an IPMI plan. Whether you're employed full-time, running your own business, or retired, there are policies available to suit your needs. Typically, you’ll be asked for proof of residency (such as a visa or utility bill), your employment status, and any relevant medical history. Some insurers may also request a basic health questionnaire or screening, but a full medical is rarely required.
Select the country where you live...
Singapore
Thailand
Hong Kong
Japan
Indonesia/Bali
Vietnam & Cambodia
I live somewhere elseHow Much Does IPMI Cost?
Premiums vary depending on age, location, and coverage level. As a general guide:
- A healthy 35-year-old professional in Singapore might expect to pay around £60-£95 per month
- A family of four living in Thailand could pay from £200-£300 per month
- Retirees or those with pre-existing conditions may pay more, but tailored options still exist
These figures can be significantly cheaper than the cost of private treatment without insurance, especially in cities like Hong Kong or Tokyo where medical bills can be steep.
What Does a Good Policy Include?
Here are some of the key features to look for:
- Inpatient and outpatient care
- Routine check-ups and diagnostics
- Emergency medical evacuation (especially important in places like Cambodia or Bali)
- Cover for pre-existing conditions (varies by insurer)
- Direct billing with hospitals and clinics
- Access to private hospitals where English is spoken and standards are high
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Questions to Ask Before You Buy
Choosing a provider isn’t just about price. Consider asking:
- Does the policy cover me in multiple countries or just one?
- Is maternity care or mental health treatment included?
- Are there any waiting periods?
- What’s the claims process like?
- Can I keep this policy if I move again?
Country-Specific Considerations
- Singapore: World-class healthcare, but it's expensive. Insurance is essential.
- Thailand: Excellent private hospitals in Bangkok and Chiang Mai, but costs can vary widely.
- Japan: High standard of care, but English-speaking staff may be limited outside major cities.
- Vietnam & Cambodia: Private insurance helps avoid lower-standard public options.
- Hong Kong: Exceptional but pricey healthcare; comprehensive IPMI is a must.
- Indonesia/Bali: Quality varies. Evacuation cover is strongly recommended.
Getting Started Is Easy
Many British expats make the mistake of comparing health insurance quotes online without the support of an expert. But in such a complex and varied market, price alone can be misleading. Speaking directly with a qualified advisor gives you access to tailored advice, local insights, and policy comparisons that actually fit your needs. An experienced advisor can help you understand the fine print, avoid common pitfalls, and secure cover that genuinely protects you and your family abroad.
Where will you be living?
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Find your expat medical insurance
Select the country where you live...
Singapore
Thailand
Hong Kong
Japan
Indonesia/Bali
Vietnam & Cambodia
I live somewhere elseFinal Thought: Make Health a Priority
As a British expat, you’ve already taken the leap to live overseas. Protecting your health abroad means you can enjoy life’s opportunities with confidence. Whether you’re raising children in Kuala Lumpur or managing a business in Macau, having the right IPMI policy in place means one less thing to worry about.
Regulated service providers search and compare from leading insurers, including:
The benefits of private health cover for expats:
Access to Quality Healthcare
Private medical cover ensures access to quality healthcare services, often with shorter waiting times compared to public health systems in some countries. This can be crucial, especially in emergencies or for specialised treatments.
International Coverage
Expat medical insurance provides coverage across multiple countries, allowing you to access medical care wherever you are living or travelling. This is particularly beneficial if you frequently move between countries or reside in areas with limited healthcare infrastructure.
Tailored Coverage
Expat private medical cover can be customised to meet your specific needs and preferences, You can choose the level of coverage, including options for inpatient and outpatient care, dental, maternity and prescription drugs for example.
Financial Protection
Medical Expenses can be significant, especially for unexpected illnesses or injuries. Expatriate medical insurance helps protect you from high out-of-pocket costs by covering medical bills, hospitalisation fees and other related expenses.
Emergency Evacuation and Repatriation
Many expat medical insurance plans include coverage for emergency medical evacuation and repatriation. This ensures that you can be transported to the nearest suitable medical facility or repatriated to your home country for treatment if necessary.
Peace of Mind
Having expat private medical cover provides peace of mind, knowing that you and your family are protected against unforeseen medical expenses and emergencies while living abroad. It allows you to focus on your work or lifestyle without worrying about healthcare costs.