The best international health insurance options for expats in Kazakhstan are offered by leading providers such as Allianz, April International, Bupa, Cigna, HealthCare International, NOW Health International, AXA, VUMI, William Russell, MSH, and GeoBlue.

Are you considering a long-term move to Kazakhstan? Are you unsure how to get comprehensive coverage for your time abroad or how to compare plans to find the best plan? This article will answer these questions and more.

Kazakhstan has a mixed healthcare system with both public and private hospitals. While public facilities are available, many expats prefer private care for its higher quality and faster service. Private health insurance is often essential to cover these costs. 

In this Pacific Prime article, we’ll explore the top international health insurance plans for expats in Kazakhstan, outlining the coverage levels and benefits offered by different insurers. We’ll also explain the pros of working with a broker to help secure the right plan.

Our Top Insurance Recommendations in Kazakhstan

International health insurance plans from the following insurers provide comprehensive coverage for expats living in Kazakhstan: 

• Allianz
• April International
• Bupa Global
• Cigna Global 
• HealthCare International Group
• NOW health International
• VUMI
• William Russell
• MSH International 
• GeoBlue

These providers are not listed in any particular order; rather, each offers spectacular coverage packages that allow expats to live in Kazakhstan with peace of mind. Let’s dig a little deeper into each insurer and their plan offerings.

All monetary values are presented in United States dollars, unless otherwise stated. 

Allianz: Flexible Benefits for Expats in Kazakhstan

Allianz is a major global insurance brand with a presence in over 70 countries around the world. Its Care international health insurance plans are designed for globally mobile individuals, ensuring access to high-quality healthcare wherever life takes you.

Built on a flexible modular model, Allianz plans offer three core benefit levels—Care, Care Plus, and Care Pro—which can be further customized with a wide range of optional add-ons. This allows expats to tailor their coverage to match their personal healthcare needs and lifestyle.

Plan highlights:

• Maximum benefit limits range from $2,500,000 to $5,000,000
• 24/7 global support, Expat Assistance Program (EAP), travel security, and second medical opinion service
• Worldwide coverage, with optional exclusion for the US
• The basic coverage includes inpatient treatment, day-care treatment, pre- and post-hospitalization treatment, local ambulance, medical evacuation, a maximum of 42 days of emergency treatment in the area outside coverage, diagnostic tests, and surgery expenses
• Add-on options: 

• • Outpatient treatment
  • Dental care
  • Medical repatriation
  • Maternity care

Plan	Annual Benefit Limit
Care	$2,500,000
Care Plus	$4,000,000
Care Pro	$5,000,000

April International: Fully Customizable Coverage for Expats in Kazakhstan

April International helps expats worldwide access high-quality healthcare. For those relocating to Kazakhstan, April’s MyHealth International plans are designed with expat needs in mind, offering flexible and comprehensive benefits that can be tailored to different lifestyles and budgets.

There are five tiers of coverage—Emergency Plan, Formule Basic, Essential Plan, Comfort, and Premium Plan—ranging from emergency-only protection to a premium plan with well-rounded benefits. 

Plan highlights: 

• Maximum benefit limits range from $250,000 to unlimited
• Coverage area is based on destination country’s zone, with options to upgrade to higher zones or worldwide
• Tech-supported services, including 24/7 telehealth service and Easy Claim application 
• The basic coverage includes hospitalization for emergency, hospitalization for chronic illnesses (except Emergency Plan), medical repatriation, and medical evacuation 
• Add-on options:

• • Outpatient benefits and prevention
  • Dental and optical benefits (six-month waiting period)
  • Maternity (12-month waiting period)

Plan	Annual Benefit Limit
Emergency	$250,000
Basic	$500,000
Essential	$1,000,000
Comfort	Unlimited (Bahamas, USA, Japan, Puerto Rico, Singapore: $1,500,000)
Premium	Unlimited (Bahamas, USA, Japan, Puerto Rico, Singapore: $3,000,000)

Bupa Global: Top Health Protection for Expats in Kazakhstan

Bupa Global is widely recognized as a leading name in the international health insurance industry, offering extensive coverage for essential medical services and premium customer support tailored to the needs of expats living abroad. 

There are five plan options, including Select, Premier, Major Medical, and Elite. 

Plan highlights:

• Maximum benefit limits range from ~$1,587,100 to ~$3,174,200
• Worldwide coverage, with optional exclusion of US and Europe
• Premium customer services, including 24/7 virtual consultations, second medical opinion service, and digital application for policy and claim management 
• The basic coverage includes inpatient treatment, cancer care, mental health care, newborn care, medical evacuation and repatriation, room fees, and surgery expenses 
• Except for Major Medical, other plans also cover health checks, vaccinations, rehabilitation, diagnostic tests, and therapies 
• Add-on options: 

• • Maternity care (available only for Elite plan)
  • Dental and optical care (available only for Premier and Elite plans) 

Plan	Annual Benefit Limit
Select	~$1,587,100
Premier	~$2,380,600
Elite	~$4,761,300
Major Medical	~$3,174,200

Cigna Global: Bespoke Solutions for Expats in Kazakhstan 

Cigna’s international health insurance provides comprehensive coverage for expats in over 200 territories, including Kazakhstan. Its bespoke approach allows expats to customize their plans to match their unique health needs and lifestyle abroad. 

Plans are available in three coverage tiers—Silver, Gold, and Platinum—with optional add-ons that allow individuals to further enhance their protection.

Plan highlights:

• Maximum benefit limits range from $1,000,000 to an unlimited amount
• Worldwide coverage, with optional exclusion for the US
• 24/7 multilingual customer support and global telehealth services via the Cigna Wellbeing app
• The basic coverage includes inpatient treatment, pandemic and epidemic, ambulance service, mental health care, cancer treatment, and newborn care
• Maternity coverage is included in the Gold and Platinum plans
• Add-on options:

• • Outpatient care
  • Medical evacuation and repatriation
  • Vision and dental care
  • Health and well-being

Plan	Annual Benefit Limit
Silver	$1,000,000
Gold	$2,000,000
Platinum	Unlimited

HealthCare International Group: Diverse Insurance Plans for Expats in Kazakhstan

HealthCare International (HCI) stands out by offering expats affordable yet high-quality insurance products and services. With a variety of international health plans available, HCI makes it simple for expats to easily find coverage that suits their individual needs.

There are two main plan types offered by HCI: Global Protector and NIMBL Health. The Global Protector plan offers fixed coverage to ensure affordability and accessibility, while the NIMBL Health plan emphasizes full flexibility tailored specifically for you. 

Plan highlights: 

• The Global Protector plan offers five varying tiers of coverage, ranging from $500,000 to $2,500,000
  • The basic benefits include inpatient care, hospice and terminal care, cancer treatment, emergency evacuation, and personal accident cover
• The NIMBL plan offers four core benefits cap, ranging from $250,000 to $3,000,000
  • The basic benefits include inpatient treatment, cancer cover, and emergency dental cover
  • Outpatient treatment, dental coverage, emergency evacuation, and maternity coverage (for group plan only) can be added 
• Exceptional customer service, including 24/7 online support, global mental health support, and concierge services for complex care coordination

Plan	Annual Benefit Limit
Global Protector Emergency+	$500,000
Global Protector Standard	$1,000,000
Global Protector Plus	$1,500,000
Global Protector Premium	$2,000,000
Global Protector Executive	$2,500,000
NIMBL Health Core 1	$250,000
NIMBL Health Core 2	$1,000,000
NIMBL Health Core 3	$2,000,000
NIMBL Health Core 4	$3,000,000

NOW Health International: Trusted Insurance Plans for Expats in Kazakhstan

NOW Health International offers worldwide health coverage with access to an extensive global network of medical facilities. As a specialist in international health insurance, the company is known for fast, hassle-free claims and exceptional customer service.

Expats can choose from two core plan options, including SimpleCare and WorldCare. SimpleCare delivers broad protection at a lower premium, while WorldCare provides maximum flexibility and a wide range of benefits for those seeking top-tier coverage.

 Plan highlights:

• The SimpleCare offers three varying options of coverage, ranging from $1,000,000 to $1,500,000
  • The basic benefits include inpatient care, outpatient surgery, cancer care, organ transplant, medical evacuation, and repatriation
• WorldCare offers four different coverage levels, ranging from $3,000,000 to $4,500,000
  • The basic benefits include inpatient care, outpatient surgery, medical evacuation, medical repatriation, cancer care, and coverage for pregnancy-related medical conditions, consultations with general practitioners (GPs) and specialists, and organ transplants 
• The plans are fully digital and include a virtual membership card for cashless payments
• Add-on options (availability depends on plan tier):

• • Routine dental treatment
  • Maternity care
  • US elective treatment (available only with WorldCare plans)
  • Wellness, optical, and vaccinations

Plan	Annual Benefit Limit
SimpleCare Core	$1,000,000
SimpleCare 100	$1,500,000
SimpleCare 200	$1,500,000
WorldCare Essential	$3,000,000
WorldCare Advance	$3,500,000
WorldCare Excel	$4,000,000
WorldCare Apex	$4,500,000

VUMI: Concierge Health Coverage for Expats in Kazakhstan

VUMI’s international health insurance provides access to VIP medical services and access to any medical provider without restrictions. Their plans also come with outstanding customer support, ensuring expats peace of mind while living in Kazakhstan.

The Global Flex VIP plan is available in five benefit levels—Basic, Standard, Superior, Ultra, and Total—allowing expats to choose the coverage that best fits their needs.

Plan highlights:

• Maximum benefit limits range from $3,000,000 to $5,000,000
• Worldwide coverage, with optional exclusion for geographical areas, including the US, Africa, Asia, and the Indian subcontinent

• Competitive customer services, including 24/7 multilingual support, second medical opinions, and patient concierge services 

• The basic benefits include inpatient and outpatient treatment, psychiatric treatment,  HIV/AIDS, cancer care, medical evacuation, emergency dental treatment, diagnostic tests, organ transplants, and maternity and birth complications

• Add-on options:

• • Wellness and optical benefits
  • Emergency and non-emergency evacuation to the country of choice, country of residence, and home country

Plan	Annual Benefit Limit
Basic	$3,000,000
Standard	$3,500,000
Superior	$4,000,000
Ultra	$4,500,000
Total	$5,000,000

William Russell: Personalized Health Support for Expats in Kazakhstan

With policy renewal rates of up to 95%, William Russell has established itself as a trusted international insurance provider. Its health insurance plans are designed with expats in mind, offering tailored benefits and personalized support through a dedicated point of contact.

The four tiers of coverage—Bronze, SilverLite, Silver, and Gold—offer flexibility to match varying healthcare needs and budgets.

Plan highlights: 

• Maximum benefit limits range from $1,500,000 to $5,000,000
• Worldwide coverage, with seven flexible options for regional exclusions
• A dedicated contact instead of impersonal call centers to assist with your policy
• 24/7 medical emergency line and travel safety application
• The basic coverage includes inpatient treatment, outpatient treatment, local ambulance, cancer care, medical evacuation, repatriation of mortal remains, surgery expenses, diagnostic tests, HIV/AIDS, and pregnancy complications
• The Gold plan includes coverage for routine maternity and dental care, mental health treatment, and wellness and vaccinations
• Add-on options:

• • Routine maternity and dental care (for Silver and SilverLite only)

Plan	Annual Benefit Limit
Bronze	$1,500,000
SilverLite	$1,500,000
Silver	$2,500,000
Gold	$5,000,000

MSH International: Optimal Insurance Choice for Expats in Kazakhstan

MSH brings over 50 years of experience in the international insurance industry. Their First’Expat+ plan is designed to assist expats through their everyday life with doctor visits and medications for unforeseen situations. 

For optimized benefits, MSH allows members to fully personalize their coverage by choosing from four plan types—Hospi, Health, Health+, and Health+Child—each with a different range of benefits.

Plan highlights: 

• Maximum benefit limits range from $625,000 to $3,750,000
• Worldwide coverage, with five coverage zones available for selection
• Full range of customer services, including teleconsultation, second medical opinion, and worldwide point of contact

Plan	Benefits
Hospi	Hospital room, intensive care, palliative care, laboratory tests, cancer treatment, surgical expenses, emergency medical transport, medical repatriation, and repatriation of mortal remains
Health	Hospi plan with added coverage for medical expenses and legal assistance
Health+	Health plan with added dental and optical coverage
Health+Child	Health+ plan with added maternity coverage

Expats can then select from four tiers of annual benefit limits: Quartz, Pearl, Sapphire, and Diamond.

Plan	Annual Benefit Limits
Quartz	$625,000
Pearl	$1,250,000
Sapphire	$2,000,000
Diamond	$3,750,000

GeoBlue: Unlimited Coverage for Expats in Kazakhstan

GeoBlue offers premium health insurance plans tailored to the needs of American expats living in Kazakhstan. As part of the Blue Cross Blue Shield Association, GeoBlue provides its members with access to over 1.7 million top-tier medical providers worldwide, both within the US and abroad. 

Depending on your preference for US coverage, you may choose from their two core plans: Xplorer Essential and Xplorer Premier. 

• Xplorer Premier offers worldwide coverage, including the US, where 80% coinsurance applies for in-network treatment. It also allows policyholders to travel to the US specifically for medical care.
• Xplorer Essential covers care received outside the US only, with the option to add limited US coverage for short-term illness, accidents, and emergencies.

Plan highlights:

• Unlimited annual and lifetime coverage
• Comprehensive support services, including responsive account management, online tools to assist with claims, and an extensive direct-billing network
• Outside the US, the basic benefits fully cover primary and preventive care, inpatient services, surgery expenses, diagnostic tests, ambulance service, in- and outpatient mental health, prescription drugs, medical evacuation, and pre-existing conditions
• Immediate coverage of pre-existing conditions with proof of previous coverage with less than 63 days gap
• Add-on options:

• • Dental and vision care

Plan	Annual Benefit Limit	US Coverage
Xplorer Essential	Unlimited	$1,000,000 (for upgraded U.S. coverage)
Xplorer Premier	Unlimited	Unlimited (80% coinsurance for in-network treatment and 60% coinsurance for out-of-network treatment)

However, note that the plans are available only to US citizens and permanent residents and employees whose US employer covers the premium. 

Why Use a Broker for Health Insurance in Kazakhstan

A skilled insurance broker can support expats in Kazakhstan by simplifying their health coverage journey, helping with everything from comparing plans to handling claims and policy renewals and ensuring a smooth, seamless experience throughout.

Personalized Guidance

Insurance brokers combine their knowledge of the global insurance market with insights into local healthcare systems, while taking into account your individual needs and budget, to help you find a plan that truly fits.

In Kazakhstan, for example, permanent residents are eligible for public health insurance, but many expats prefer private coverage. Private hospitals are often chosen for their better facilities and wider availability of English-speaking staff.

For frequent travelers or those with chronic conditions, international health insurance is strongly recommended, as it provides higher levels of coverage and ensures access to medical care abroad, including provisions for medical evacuation or repatriation if necessary.

Value-Added Services

Brokers’ support doesn’t end once you’ve secured a plan. Instead, you’ll have ongoing support for everything from claims to renewals and provider communication—all included at no extra cost.

Cost and time savings

Brokers use their market expertise and insurer partnerships to unlock plans with better pricing and benefits than individuals can typically secure alone. With their support in navigating complex insurance matters, expats can focus on settling in and enjoying their journey. 

Your Trusted Advocate

Brokers represent your interests, not the insurer’s, giving them the freedom to compare options across providers and recommend the plans that best suit your needs. Beyond finding the right plan, they also act as your advocate in claims and disputes, making sure your case is handled fairly. 

Secure Your Coverage in Kazakhstan with Pacific Prime

Leading insurers such as Allianz, Bupa, Cigna, VUMI, and others offer comprehensive international health insurance options for expats in Kazakhstan. With so many plans available, it can be difficult to know which one truly fits your needs.

At Pacific Prime, we understand how important this decision is and how overwhelming it can feel. 

With over 25 years of experience, our team helps expats compare plans, secure the right coverage, and manage policies and claims with ease. Whether you need long-term international health insurance or a short-term solution, we’re here to support you every step of the way.

Ready to find the right coverage? Contact us today for a free plan comparison and expert, unbiased advice.

If Uzbekistan or the Ivory Coast is on your list of destinations, explore our articles on the leading insurers in both markets to help you prepare.

Frequently Asked Questions 

What is international health insurance, and why do I need it as an expat in Kazakhstan?

International health insurance provides expats in Kazakhstan with access to quality private care, English-speaking doctors, and coverage abroad. It protects you from high medical costs, supports medical evacuation if needed, and ensures peace of mind while living overseas.

How do I choose the best health insurance plan for my needs in Kazakhstan?

To choose the best health insurance in Kazakhstan, compare plans by coverage level, hospital access, and benefits for chronic conditions or travel. Consider your budget and lifestyle, and use a broker’s expertise to find the plan that fits you best.

What is the average cost of health insurance for expats in Kazakhstan?

The cost of health insurance for expats in Kazakhstan varies based on age, gender, pre-existing conditions, provider network, and plan type. Premiums are also influenced by deductibles and copayments—the higher these are, the lower your premium will be.