Best job insurance policies for expats in Europe


Relocating to Europe as an expat is an exciting adventure, but it comes with its own set of challenges. One crucial aspect to consider is securing the right job insurance. Job insurance for expats is essential as it provides financial stability and peace of mind in case of unforeseen circumstances such as illness, job loss, or workplace accidents. Here’s a guide to the best job insurance policies for expats in Europe.

Understanding Job Insurance for Expats

Before diving into specific policies, it’s essential to understand the types of insurance that expats should consider:

  1. Health Insurance: Covers medical expenses, including hospitalization, doctor visits, and prescriptions.
  2. Unemployment Insurance: Provides financial support if you lose your job.
  3. Workers’ Compensation: Covers work-related injuries and illnesses.
  4. Income Protection Insurance: Ensures a portion of your income if you’re unable to work due to illness or injury.
  5. Public vs. Private Insurance: Many European countries offer public insurance, but private insurance can offer additional benefits and flexibility.

Best Job Insurance Policies by Country


  • Public Health Insurance (Gesetzliche Krankenversicherung – GKV): Mandatory for employees earning below a certain threshold. Covers a wide range of medical services.
  • Private Health Insurance (Private Krankenversicherung – PKV): Available for higher earners and self-employed individuals. Offers more comprehensive coverage and shorter waiting times.
  • Unemployment Insurance (Arbeitslosenversicherung): Part of the social security system, providing financial support if you lose your job.
  • Allianz: Offers a variety of insurance products tailored for expats, including health, income protection, and liability insurance.


  • Public Health Insurance (Sécurité Sociale): Covers most healthcare costs and is mandatory for residents.
  • Private Health Insurance (Mutuelle): Supplements public insurance by covering additional costs like dental and optical care.
  • AXA: Provides comprehensive health, life, and income protection insurance plans suitable for expats.
  • CFE (Caisse des Français de l’Étranger): A public fund offering health coverage for French expats and their families.


  • Basic Health Insurance (Basisverzekering): Mandatory for all residents, covering essential healthcare services.
  • Supplementary Insurance (Aanvullende Verzekering): Covers additional services not included in the basic package.
  • AON Expat Insurance: Offers tailored packages for expats, including health, liability, and home insurance.
  • Unemployment Insurance: Provided through the Dutch social security system, offering financial support during periods of unemployment.


  • Mandatory Health Insurance (LAMal/KVG): Required for all residents, offering a comprehensive range of medical services.
  • Supplementary Health Insurance: Covers additional services and treatments.
  • Swiss Life: Offers various insurance products, including health, life, and income protection insurance for expats.
  • Unemployment Insurance: Part of the social security system, providing financial aid in case of job loss.

United Kingdom

  • National Health Service (NHS): Provides free healthcare at the point of use for all residents.
  • Private Health Insurance: Offers faster access to treatment and a wider choice of healthcare providers.
  • Bupa: A leading provider of private health insurance, offering plans tailored for expats.
  • Income Protection Insurance: Available through various providers to ensure financial stability if you’re unable to work.

Key Considerations for Expats

When choosing job insurance policies, expats should consider the following:

  1. Coverage Needs: Assess your specific needs, such as family coverage, chronic conditions, or specialized treatments.
  2. Cost: Compare premiums and out-of-pocket costs to find the most cost-effective solution.
  3. Flexibility: Look for policies that offer flexibility in terms of coverage and the ability to upgrade or change plans.
  4. Provider Network: Ensure your insurance provider has a comprehensive network of healthcare providers and facilities.
  5. Expat-Friendly Providers: Choose insurers with experience and dedicated services for expats, offering support in multiple languages and understanding of international needs.

What insurance do I need to go to Europe?

There are two main types of insurance to consider for a trip to Europe:

  • Travel medical insurance: This will cover you for medical expenses in case of illness or injury while you are abroad. This is especially important because while a GHIC/EHIC card grants access to state-provided healthcare in the EU, it often doesn’t cover private healthcare or repatriation costs.
  • Travel insurance: This can cover a wider range of things than just medical expenses, such as trip cancellation, lost luggage, and travel delays.

Travel medical insurance is not a legal requirement for travel to Europe, but it is highly recommended. In some cases, such as applying for a Schengen visa, you may be required to show proof of travel medical insurance.

What is the best health insurance for expats?

Unfortunately, there’s no single “best” health insurance for expats. The ideal plan depends on your specific needs and situation. Here’s what to consider when choosing expat health insurance:

  • Your destination: Healthcare costs and systems vary greatly by country. If you’re moving to a place with limited public healthcare options, you’ll need a more comprehensive plan.
  • Your age and health: Younger, healthy individuals may opt for a more basic plan, while those with pre-existing conditions will need more robust coverage.
  • Your budget: Expat health insurance can be expensive. Determine how much you’re comfortable spending on premiums.


Securing the right job insurance policy is crucial for expats living in Europe. It ensures financial stability and access to necessary healthcare services, allowing you to focus on enjoying your expat experience. By understanding the options available and choosing the right provider, you can protect yourself and your family against unexpected challenges. Whether through public systems or private insurers, Europe offers a variety of job insurance policies to suit the diverse needs of its expat population.



Do I need expat health insurance if I’ll be using European public healthcare?

While public healthcare in Europe is generally good, it might not cover everything. Expat health insurance can provide additional coverage for things like private hospitals, specialist care, and repatriation.

What types of expat insurance do I need?

Health insurance is crucial, but you might also consider life insurance, disability insurance, and even property and liability insurance, depending on your needs.

How much does expat insurance cost in Europe?

Costs vary depending on your age, health, location, and desired coverage. Get quotes from several insurers for a clear picture.


How can I find a reputable expat insurance provider?

Look for insurers with experience in Europe and a good track record for customer service. Online resources and expat communities can offer recommendations.

Can I change my expat insurance plan once I’m in Europe?

Some plans offer flexibility, but it’s important to check the terms of your policy beforehand.


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