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For expatriates in Jamaica, securing the right health insurance is essential. The top providers offering international health coverage include AXA, Bupa, Allianz Care, Cigna Global, William Russell, VUMI, IMG, DavidShield/Passport Card, and GeoBlue. These companies provide tailored plans that meet the healthcare needs of expats living in Jamaica, offering everything from basic coverage to comprehensive international health benefits.
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This Pacific Prime guide will walk you through the best insurance options for expats in Jamaica, covering key plans, benefits, and coverage limits to help you make an informed decision about your health insurance.
We even have a bonus section at the end that introduces you to the benefits of securing your international health insurance through an international broker instead of the insurance company.
To begin comparing health insurance plans and quotes, use our obligation-free health insurance generator or contact one of our insurance experts.
Best International Health Insurance Plans for Expats in Jamaica
The top 9 companies that provide international health insurance for expats in Jamaica are:
This list isn’t in any specific order, instead, it just shows the insurance companies with the best coverage plans for expatriates living abroad. Let’s look a little deeper into each company.
1. AXA: Comprehensive Coverage for Expats in Jamaica
AXA Global has worked for over 55 years in the health insurance industry. Emergency evacuation and repatriation is a standard benefit included in all AXA health plans. In addition to its 5 main health plans, AXA offers Island Health plans, a short-term health plan, and top-tier maternity benefits.
Here’s an overview of AXA’s expat health insurance plans:
- Foundation is a plan designed for expatriates seeking the barest minimum coverage at an affordable price. Benefits cover inpatient hospital care, emergency care, transportation, and lab testing.
- Standard is the most common plan that expats choose from AXA if they want basic coverage. This plan offers a maximum plan limit 10 times higher than Foundation, and it adds dental care benefits.
- Comprehensive is the next step up for expats in Jamaica who also want to have coverage for outpatient care, chronic conditions, and vision benefits. Many benefit limits increase with this plan.
- Prestige is the most all-inclusive plan that adds the last remaining benefits available from AXA, including maternity care and annual health checks.
- Prestige Plus offers all the same benefits as Prestige, but this is for expats who want the highest annual limit possible at $8,000,000. This plan is excellent for expats who expect high medical fees.
Here’s a list of benefits offered by AXA in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
AXA Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; Optional exclusion of U.S. |
| Inpatient Care | Covered |
| Outpatient Care | Optional add-on for beginning plans; included with Comprehensive, Prestige, and Prestige Plus |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation and Care | Covered |
| Cancer Care | Covered |
| Maternity Care | Covered with Prestige and Prestige Plus |
| Mental Health Care | Not Covered |
| Dental | Covered with Standard, Comprehensive, Prestige, and Prestige Plus |
| Optical | Covered with Comprehensive, Prestige, and Prestige Plus |
The next chart shows you the annual benefits limit for each of AXA’s expat health insurance plans.
AXA Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Foundation | $160,000 |
| Standard | $1,600,000 |
| Comprehensive | $2,400,000 |
| Prestige | $3,200,000 |
| Prestige Plus | $8,000,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
2. Bupa Global: Flexible Plans for Jamaican Expats
Expats in Jamaica and worldwide love Bupa Global’s Virtual Care program that offers 24-7 medical help. Bupa also stands out as a top health insurance company because they don’t require specialist referrals and members can seek second medical opinions. Bupa has 4 main health plans to choose from.
Here’s an overview of Bupa Global’s expat health insurance plans:
- Bupa’s Major Medical plan is for expats living in Jamaica who only want coverage for unexpected medical emergencies and major medical expenses. This plan covers medical evacuation and repatriation, but it does not cover wellness or routine checks.
- Bupa Select is for expats who only want coverage regionally in Jamaica instead of worldwide. This plan covers routine screenings, well checks, and medical evacuation.
- Bupa Premier adds vaccinations, dental, and optical to the benefits of the Select plan.
- Bupa Elite is the most comprehensive option available, and it covers medical evacuation, repatriation, complementary therapies, routine maternity care, and more.
Here’s a list of benefits offered by Bupa in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
Bupa Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included with the Major Medical, Premier, and Elite plans |
| Inpatient Care | Covered |
| Outpatient Prescriptions | Partial Coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Care | Covered |
| Cancer Care | Covered |
| Maternity Care | Only available with the Elite plan |
| Mental Health Care | Covered |
| Dental | Available with the Premier and Elite plans |
| Optical | Available with the Premier and Elite plans |
The next chart shows you the annual benefits limit for each of Bupa’s expat health insurance plans.
Bupa Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Major Medical | About $3,174,200 |
| Select | About $1,587,100 |
| Premier | About $2,380,600 |
| Elite | About $4,761,300 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
3. Allianz Care: Tailored Plans for Expats in Jamaica
Allianz Care’s expat health insurance plans are uniquely crafted to the needs of global travelers. You can get worldwide coverage through Allianz, or you can get regional coverage in over 20 areas of the world. In addition to their 3 long-term health plans, Allianz offers 9 travel insurance plans.
Here’s an overview of Allianz Care’s expat health insurance plans:
- The Allianz Care plan covers a semi-private hospital room, oncology, medical evacuation, nursing at home, rehabilitation, emergency outpatient care, and more.
- The Allianz Care Plus plan covers a private hospital room, which has the same benefits as the Care plan, as well as additional emergency dental care.
- The Allianz Care Pro plan increases the benefit limits from the Care Plus plan and adds coverage for preventative surgery and laser eye treatment.
Here’s a list of benefits offered by Allianz in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
Allianz Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; Optional exclusion of the USA; Optional exclusive Africa coverage |
| Inpatient Care | Covered |
| Outpatient Care | Optional add-on |
| Emergency Medical Evacuation | Optional add-on |
| Emergency Transportation and Care | Covered |
| Cancer Care | Covered |
| Maternity Care | Optional add-on available with Care Plus and Care Pro |
| Mental Health Care | Not Covered |
| Dental | Partial Coverage |
| Optical | Not Covered |
The next chart shows you the annual benefits limit for each of Allianz’s global medical insurance plans.
Allianz Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Care | $2,500,000 |
| Care Plus | $4,000,000 |
| Care Pro | $5,000,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
4. Cigna Global: Customizable Health Insurance for Jamaica Expats
Cigna Global offers 4 core international health plans, and expats in Jamaica can customize their plans to meet their individual needs. After expats choose their coverage level, they can add additional benefit modules for outpatient, evacuation, health and well-being, vision, and/or dental coverage.
Here’s an overview of Cigna’s expat health insurance plans:
- The Cigna Silver plan is designed to provide the core medical benefits expats need in Jamaica. This includes coverage for inpatient and day patient care, palliative care, transplant services, mental and behavioral healthcare, and out-of-area emergency hospitalization care.
- The Cigna Gold plan adds benefits for emergency treatments, advanced imaging, rehabilitation, home nursing, treatment for obesity, and congenital conditions, to name a few.
- The Cigna Platinum plan provides full coverage for inpatient care, palliative care, transplant services, hospital accommodations for a parent or guardian, acupuncture, and much more.
Here’s a list of benefits offered by Cigna in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
Cigna Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; Optional inclusion or exclusion of the U.S. |
| Inpatient Care | Full Coverage |
| Outpatient Prescriptions | Partial Coverage |
| Emergency Medical Evacuation | Full Coverage |
| Emergency Care | Partial to Full Coverage |
| Cancer Care | Full Coverage |
| Maternity Care | No Coverage with the Silver and Close Care plans; Partial to Full Coverage with the Gold and Platinum plans |
| Mental Health Care | Partial to Full Coverage up to 30 – 90 days |
| Dental | Partial to Full Coverage as an optional benefit |
| Optical | Partial Coverage as an optional benefit |
To help you understand the coverage levels offered by each type of plan, the following chart highlights the annual benefit limit available in each of Cigna’s four plans.
Cigna Global Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Silver | $1,000,000 |
| Gold | $2,000,000 |
| Platinum | Unlimited |
| Close Care | $500,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
5. William Russell: Top Health Plans for Jamaican Expats
Jamaican expats who choose William Russell can benefit from some of the best member services because as a fully independent company, William Russell focuses wholly on the satisfaction and service of their members. William Russell offers 4 health plans and 6 coverage zones for expats to choose from.
Here’s an overview of William Russell’s expat health insurance plans:
- Bronze is a plan designed for expats only wanting coverage for outpatient services that are incurred after a discharge from the hospital. This is only to cover the most expensive healthcare services and minimal other benefits.
- SilverLite is the basic medical care package, but it lacks post-hospital outpatient services. Jamaica expats who don’t expect to see the doctor frequently will appreciate this plan.
- Silver is an insurance plan for expats in Jamaica who want comprehensive coverage with full outpatient services. This is William Russell’s most popular plan.
- Gold offers the most coverage and benefit limits of them all. This is the only plan that includes maternity and basic dental services, in addition to the inpatient and outpatient benefits.
Here’s a list of benefits offered by William Russell in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
William Russell Health Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; options for regional coverage instead |
| Inpatient Care | Full Coverage |
| Outpatient Care | Partial to Full Coverage |
| Emergency Medical Evacuation | Full Coverage |
| Emergency Transportation and Care | Full Coverage |
| Cancer Care | Full Coverage |
| Maternity Care | No Coverage to Full Coverage |
| Mental Health Care | Covered |
| Dental | Optional add-on |
| Optical | No Coverage |
The next chart shows you the annual benefits limit for each of William Russell’s global medical insurance plans.
William Russell Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Bronze | $1,500,000 million |
| SilverLite | $1,500,000 million |
| Silver | $2,500,000 million |
| Gold | $5,000,000 million |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
6. VUMI: Flexible Coverage for Expats in Jamaica
VUMI is a successful expat health insurance provider in Jamaica because their 5 long-term insurance plans offer flexibility that can be customized to your individual needs. VUMI may cover your preexisting medical conditions, including HIV/AIDS. Maternity care only has a 12-month waiting period.
Here’s an overview of VUMI’s expat health insurance plans:
- Global Flex VIP Basic is for expats in Jamaica who only want to pay for basic-level benefits considered the bare minimum healthcare coverage.
- Global Flex VIP Standard is for expats in Jamaica who want a broader foundation of medical benefits without breaking the bank.
- Global Flex VIP Superior is for expatriates who want a compromise between the most comprehensive coverage and the most basic. It includes maternity and optical care, but not dental.
- Global Flex VIP Ultra is the second most comprehensive plan for expats. This plan adds dental care to the package with an increased annual limit for the other benefits.
- Global Flex VIP Total covers maternity, dental, optical, therapy, palliative care, physical therapy and rehabilitation, and inpatient and outpatient care. This is the most advanced VUMI expat plan offered.
Here’s a list of benefits offered by VUMI in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
VUMI Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; options to exclude the U.S.; options for exclusive coverage in Africa or Southeast Asia |
| Inpatient Care | Full Coverage |
| Outpatient Care | Partial to Full Coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation and Care | Covered |
| Cancer Care | Full Coverage |
| Maternity Care | Covered with Superior, Ultra, and Total |
| Mental Health Care | Covered |
| Dental | Covered |
| Optical | Optional Coverage with Standard, Superior, Ultra, and Total |
The next chart shows you the annual benefits limit for each of VUMI’s expat health insurance plans.
VUMI Plans – Annual Benefit Limits At-a-Glance |
|
| Global Flex VIP Plan | Annual Benefit Limit |
| Basic | $3,000,000 |
| Standard | $3,500,000 |
| Superior | $4,000,000 |
| Ultra | $4,500,000 |
| Total | $5,000,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
7. IMG: International Health Insurance for Expats in Jamaica
IMG’s international health insurance plan offers flexibility when it comes to getting worldwide or regional coverage. Expats in Jamaica can choose to be covered wherever they go or to exclude certain countries like the U.S., Japan, and others. All 4 IMG plans include prescription drug coverage.
Here’s an overview of IMG’s expat health insurance plans:
- IMG’s Bronze plan offers basic health coverage for expats. Benefits include inpatient care surgeries, physical therapy, outpatient visits and surgeries, prescription drugs, emergency ambulance, and evacuation.
- IMG’s Silver plan includes many of the same benefits as Bronze at an increased value.
- IMG’s Gold plan fully covers many of the inpatient and outpatient benefits that Bronze and Silver only partially cover. It also includes an up-to-lifetime maximum for emergency evacuation.
- IMG’s Platinum plan is the most comprehensive with the highest benefit amounts. It is also the only plan with maternity care, newborn care, congenital disorders, and newborn wellness coverage.
Here’s a list of benefits offered by IMG in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
IMG Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; optional regional coverage instead |
| Inpatient Care | Partial to Full Coverage |
| Outpatient Care | Partial to Full Coverage |
| Emergency Medical Evacuation | Covered up to maximum limit |
| Emergency Transportation and Care | Partial to Full Coverage |
| Cancer Care | Full Coverage |
| Maternity Care | Included with Platinum |
| Mental Health Care | No Coverage |
| Dental | Optional add-on |
| Optical | Optional add-on |
The next chart shows you the annual benefits limit for each of IMG’s international medical coverage plans.
IMG Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Bronze | $1,000,000 |
| Silver | $5,000,000 |
| Gold | $5,000,000 |
| Platinum | $8,000,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
8. DavidShield/Passport Card: Comprehensive Coverage for Expats in Jamaica
DavidShield, also known as Passport Card, is another leading health insurance provider for international expats. Travelers living in Jamaica will appreciate that with DavidShield Global they are able to get healthcare services without paying out-of-pocket fees or having to submit claim forms.
Here’s an overview of DavidShield’s expat health insurance plans:
- The Passport Card Global Plan Excluding the U.S. is a plan that includes comprehensive coverage like the Relocation Worldwide plan, but it does not provide coverage for treatments offered in the United States.
- The Passport Card Relocation Worldwide offers worldwide benefits with inpatient care, emergency evacuation, mental health, maternity and pregnancy care, infant and child care, and even coverage for pre-existing medical conditions.
- The Insurance in Israel plan is a health insurance plan designed specifically for expats who want medical coverage while living in Israel.
Here’s a list of benefits offered by DavidShield in Jamaica. Benefit amounts vary depending on your chosen international health insurance plan.
DavidShield/Passport Card Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included in the Worldwide plan |
| Inpatient Care | Covered |
| Outpatient Care | Partial Coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation and Care | Covered |
| Cancer Care | Not Covered |
| Maternity Care | Covered |
| Mental Health Care | Covered |
| Dental | Not Covered |
| Optical | Not Covered |
The next chart shows you the annual benefits limit for each of Passport Card’s international health insurance plans.
DavidShield/Passport Card Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit |
| Passport Card Global Plan Excluding the U.S. | About $4,100,000 |
| Passport Card Relocation Worldwide | $5,000,000 |
| Insurance in Israel | About $4,100,000 |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
9. GeoBlue: Best Health Insurance for U.S. Expats in Jamaica
Expats living in Jamaica who partner with GeoBlue for their health insurance coverage gain free access to Global TeleMD, an app with confidential doctor appointments that can be done over the phone or via video call in many languages. GeoBlue has the most flexible coverage options for U.S. expats.
Here’s an overview of GeoBlue’s expat health insurance plans:
- Xplorer Essential is best for expats who don’t need coverage in the U.S. while living abroad. If you intend to return to the U.S. for short trips only, this plan has an optional U.S. coverage add-on.
- Xplorer Premier is best for U.S. residents living out of the country for at least 3 months of the year and who want comprehensive coverage within the U.S. for up to 9 months of the year. Flexible options allow coverage in the U.S. and Jamaica as you travel back and forth.
- Voyager Choice is a medical travel insurance plan that covers individuals for a single trip up to 182 days. Voyager also has group options for 5 or more people with coverage for up to 6 months outside the U.S.
- Trekker Choice is a medical travel insurance plan with multi-trip coverage for an unlimited number of trips in a year for the first 70 days of each trip. You must be a citizen or legal resident of the U.S. to qualify.
Here’s a list of benefits offered by GeoBlue that apply in Jamaica (there are separate benefits specific to coverage within the U.S.). Benefit amounts vary depending on your chosen international health insurance plan.
GeoBlue Health Insurance Benefits for Expats in Jamaica |
|
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included; coverage within the U.S. is optional |
| Inpatient Care | Full Coverage |
| Outpatient Care | Full Coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation and Care | Covered |
| Cancer Care | Not Covered |
| Maternity Care | Optional add-on |
| Mental Health Care | High Coverage |
| Dental | Covered |
| Optical | Optional add-on |
The next chart shows you the annual benefits limit for each of GeoBlue’s expat health insurance plans that cater to the needs of U.S. expats abroad.
GeoBlue Plans – Annual Benefit Limits At-a-Glance |
|
| Plan | Annual Benefit Limit |
| Xplorer Essential | $1,000,000 |
| Xplorer Premier | Unlimited |
| Voyager | $50,000 Accidental Death and
Dismemberment Max Benefit |
| Trekker | $25,000 Accidental Death and
Dismemberment Max Benefit |
Compare quotes for each of these plans by plugging in your travel plans and needs in our online insurance quote generator. This is an obligation-free resource for Jamaica expats.
Why Expats Should Use a Broker for Health Insurance
Expats should get their international health insurance through a broker instead of from the insurance company because it will save you money! Not only that, but you’ll add an insurance expert to your team who can impart industry wisdom to you without obligating you to pick any specific provider.
Brokers can share impartial advice because they don’t represent any single insurance company. Rather, they partner with dozens of different companies, granting them the ability to negotiate with the provider on your behalf, helping you secure the best plan at the lowest rate in the process.
To learn more about the many benefits expats get from partnering with a broker, read our post about why expats prefer to use a broker to get their insurance.
Frequently Asked Questions
What are the best insurance companies in Jamaica for expats?
The top insurance companies in Jamaica for expats include AXA Global, Bupa, Allianz Care, Cigna Global, William Russell, VUMI, IMG, David Shield/ Passport Card, and GeoBlue. These companies offer various international health insurance products suitable for expatriates within Jamaica and beyond.
What types of insurance do expats need in Jamaica?
Expats in Jamaica typically need health insurance, life insurance, property insurance, and sometimes auto insurance. Comprehensive health coverage, including emergency evacuation, is crucial due to potential differences in healthcare standards and availability.
How do I purchase health insurance in Jamaica as an expat?
Expats can get health insurance in Jamaica by contacting local and international insurance companies directly or through brokers. It’s essential to compare policies, coverage, and premiums before you choose. Brokers can help you with the comparison process and then secure the policy you want.
Are there international insurance providers operating in Jamaica?
Several international insurance providers operate in Jamaica, offering tailored plans for expats. Companies like Cigna Global, Allianz Care, and Passport Card provide global health insurance plans that include coverage in Jamaica, ensuring comprehensive care and flexibility for expatriates.
What should I consider when choosing an insurance provider in Jamaica?
When choosing an insurance provider in Jamaica, consider the company’s reputation, range of coverage, premium costs, customer service, and claims process. It’s also helpful to read reviews and seek recommendations from other expatriates to find a reliable and suitable provider.
Conclusion
We’ve now introduced you quite thoroughly to the top 9 insurance providers for expats living in Jamaica. We highly encourage you to read our other articles that tell you about the top 10 insurance providers for expats overall, as well as the best providers in Mauritius and South Africa.
To answer any questions that have arisen while you’ve read this article, send a message to one of our insurance experts or call +852-3113-1331.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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