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Horizons Health for 180+ Countries

Comprehensive international health insurance for employees affiliated with Horizons

Horizons Health: Global Health Insurance 
Your Global Teams can Count On

Horizons offers comprehensive international health insurance for all employees worldwide at an unbeatable price. By utilizing the “benefits of scale”, Horizons is able to negotiate excellent benefits packages for our clients and their employees.

When you hire employees using Horizons’ PEO / EOR service, they can be added to the plan. Pricing for our international health insurance is simple and transparent, and employees may use their insurance no matter where they are in the world. This means that during business trips, visits to the head office, or in their personal travels, your employees can enjoy high-quality, affordable international health insurance. See pricing below for Horizons international health insurance.

Why Horizons Health?

Horizons Health, by offering financial and wellness protection to your employees, adds an affordable incentive for employees to join and remain with your company. See the benefits of our international health insurance below.

One Global Health Plan

With employees across major international markets, you no longer have to work with multiple providers when expanding into multiple country. Budget easily with standardized international health insurance fees.

Premium Customer Service

24/7 customer service, phone assistance for arranging hospital visits, and extremely fast claims handling times.

Standard Coverage

From $80 Per employee / Paid monthly
  • Emergency and in-patient care
  • Preventative and outpatient care
  • $0 deductible
  • Travel insurance to 180+ countries
  • Online platform to file claims

Premium Coverage

From $125 Per employee / Paid monthly
  • Emergency and in-patient care
  • Preventative and outpatient care
  • $0 deductible
  • Travel insurance to 180+ countries
  • Dental
  • Vision
  • Screenings and vaccines
  • Dependent coverage
  • Online platform to file claims

Simple, Low Pricing

Since Horizons pools all global employees under one plan, you get one low price. You can add any employee or contractor at your discretion.

Any Hospital, Globally

Use Horizons Health international health insurance at any private or public hospital, or doctor, in the world - no matter where you live or travel. Benefit from direct billing in most cases.

Estimate your Horizons Health monthly costs in USD

AgeStandard Premium
 0 – 17$ 50$ 80
18 – 39$ 80$ 125
40 – 49$ 120$ 190
50 – 59$ 190$ 300
60 – 74$ 350$ 550

Frequently Asked Questions (FAQ)


Horizons international health insurance covers all of Horizons’ countries. There are some countries where residents (both citizens and expats residing in the country) can not be covered by Horizons Health, due to these countries being classified as “sanctioned countries” (by the United States or the United Kingdom); or due to local regulations not permitting Horizons Health to carry on business there. Please see the current list of ineligible countries:
  • Canada (short trips permitted)
  • the United States (short trips permitted)
  • Abu Dhabi
  • American Samoa
  • Belarus
  • Iran
  • North Korea
  • Puerto Rico
  • Syria
  • United Arab Emirates
  • Cuba
  • Democratic Republic of Congo
  • Saudi Arabia
  • Somalia
  • US Guam
  • South Sudan
  • US Virgin Islands
  • Zimbabwe
  • Sudan
Once a member is covered, they can go anywhere in the world on long or short trips, with the exception of a 30-day limit in the United States, Canada, Singapore, and Hong Kong. If a trip to the US, Canada, Singapore, or HK lasts longer than 30 days, then an add-on may be purchased. Note that residents of Singapore and Hong Kong must purchase an add-on to be covered.

We offer comprehensive local insurance options for Canada and the United States. 

If you’re interested in covering your employees hired by Horizons in Canada or the US, please contact our benefits team: [email protected]

Yes, pre-existing conditions are always covered by Horizons Health, no questions asked.

There is no mandatory pre-existing conditions check before the policy begins.

“Add-ons” are additional benefits employees can add to their plan for a surcharge. When you sign up, you have the option to include the following add-ons:
  • Dental
  • Vision
  • Maternity
  • Standard Screenings & Vaccines
  • Outpatient (i.e. non-hospital visits)
  • US/HK/SG coverage

Yes, Horizons Health is still useful international health insurance, no matter what sort of health system your country of residence has.

(i) In countries with public systems (for example: the UK, Norway, Germany)

  • Visit any private hospital for the best and quickest service. Skipping lines means getting healthy faster and returning to work quicker.
  • If your hospital treatment is covered by your public healthcare system, your receive a $250 cash bonus per night you’re in a public hospital in your home country.
  • Access treatments that are typically not provided by standard public healthcare, for example the latest available cancer treatment regimens.
  • Use this coverage wherever you live, move, or work so you if you are a nomad or traveling you don’t need another insurance to cover your health.

(ii) In countries without public systems (for example: Vietnam)

You can get coverage at the best hospitals in your country of residence or nearly any other country in the world. Without it you would pay out of pocket for any medical care.

Yes. To add a newborn as an Insurance Dependent on your Horizons Health scheme, we will need to receive a copy of the newborns birth certificate within the first 90 days of birth.

After the deadline for adding a newborn passes, you may still attempt to add your child by submitting an application for dependent addition.

Yes, there are two ways to add dependents or family members to your insurance plan.

(1) Add your dependent/family member during your initial application process


(2) As life changes occur (marriage, childbirth, or adoption), submit an application for dependent addition. Your application will be quickly processed.

The Horizons repatriation benefit will allow non-citizen residents to be flown to their countries for medical treatment in cases where local care is not adequate. In unfortunate cases of death, remains can also be repatriated using Horizons Health.

Treatment & Claims

You can seek treatment at any doctor or hospital in the world and be covered by Horizons’ international health insurance, as long as you are seeking treatment for an eligible medical condition covered in your plan.

Horizons will pay for the employee on your behalf and then invoice you monthly.

Billing is a combination of direct billing and reimbursement.

Most of the time direct billing is possible, but in rare cases where direct billing is not possible, there is a claims & reimbursement process. Reimbursement can be expected within 20 business days of the claim being made.

When a claim has been filed, reimbursement will take place within 20 business days.

Costs of the Plan

Pricing is extremely simple and only depends on the age of the person and type of plan (either standard or premium) selected.

For many employees (aged 18-39), cost for the standard plan is $80 per month, and cost for the premium plan is $125 per month.

For employees aged 40-49, the prices are $120 per month and $190 per month, respectively.

Unfortunately, we won’t be able to grant further price reductions. These prices are as low as we can possibly make them already.
Your exact price will depend on several factors, including: employee age, plan tier, and what add-ons you choose to include. You can see a pricing table above which will allow you to estimate costs based on your employees’ situations.

Yes, this is possible.

It is possible for the employee to pay for their own Horizons Health international health insurance policy.

In other cases, an employer might be able to offer only the standard plan, but an employee may require the premium plan. In such cases, it is possible for the employee to pay the difference between the plans out of their own pocket.

In cases where our clients may want to explore options similar to this, we encourage you to discuss with us directly and early in the project to confirm if your preferences are both compliant according to local regulations, and standard practice according to the culture in which you are hiring. Our local experts will be able to help guide your decision so you can maintain a balance of costs and employee value proposition.


Yes, the plan can be used for visa requirements for many countries based on their specific requirements around international health insurance. Please note requirements vary by country and our plan might not always meet the requirements. Contact the Health Horizons service team at [email protected], who can supply official documentation to members on request.