Interactive animation

How does expat health insurance work?

6 illustrated steps to understand everything before moving abroad.

🧳 👤 ✈️

Step 1 of 6

You're moving abroad

Whether you're a posted employee, freelancer, retiree or on a working holiday: once you leave your home country, your national health system stops covering you — especially outside the EU.

⚠️ Your domestic health card does not cover medical care outside your home country. You need to arrange cover before you depart.

1 / 6

🌍

🇦🇪 🇺🇸 🇸🇬 🇨🇦 🇬🇧

Step 2 of 6

You choose your coverage

At Courtage Land, we compare the best international health insurance plans based on your destination, profile and budget. You subscribe online in minutes — no medical exam required.

✅ MSH International, April International — coverage in 190+ countries. 100% online enrolment, active from day one of your departure.

2 / 6

❤️

Step 3 of 6

A health issue arises

Sudden illness, accident, emergency hospitalisation... Abroad, medical bills can reach tens of thousands of euros without adequate coverage. No one is immune.

🏥 Real example: an appendectomy in the USA = $35,000–$50,000 in hospital fees. One night in hospital in Dubai: AED 10,000–30,000.

3 / 6

🏥

Without insurance: $45,000

With insurance: €0

Step 4 of 6

Your insurer covers the bill

With MSH or April insurance, your insurer pays the hospital directly (direct billing) in most cases. You don't pay anything upfront. Zero financial stress, wherever you are.

📞 A multilingual assistance platform available 24/7 coordinates your care, contacts medical facilities and handles paperwork on your behalf.

4 / 6

🛡️ ✅ 📱

Step 5 of 6

Online claims & reimbursement

If you paid upfront, simply upload your receipts on the member portal or mobile app. Reimbursement is processed within 5 to 10 business days, directly to your bank account.

📲 MSH and April mobile apps available on iOS and Android — file a claim in 3 minutes from your smartphone, anywhere in the world.

5 / 6

😊 💶 💶 💶

Step 6 of 6

You live abroad with peace of mind 🎉

With the right coverage, you can focus on your expat life — your career, your family, new adventures — without ever worrying about healthcare costs.

🤝 Courtage Land guides you for free in choosing the right plan. Our advisors reply within 2 hours — by email or WhatsApp.

6 / 6

Get my free quote →

Ready to get covered?

Compare MSH International and April International — free quote in 2 minutes

Compare plans → Estimate my budget