Best expat health insurance for Georgia

Looking for health insurance in Georgia? If so, stay with us because we’ll guide you through the topic. Today, we’ll explore 5 health insurance options to travel to this lesser-known corner of Europe. 

Although not as touristy as Spain, France, or Italy, Georgia is a hidden gem of the Old Continent you should definitely discover. Visitor numbers keep growing, mainly thanks to Social Media, which has helped spread its incredible attractions. This country, where nature remains wild, where one of Europe’s oldest wines originates, and with a capital city (Tbilisi) still free from mass tourism, is a treasure waiting for you. So, whether you’re a digital nomad, remote worker, student, or simply a travel lover, you already know what destination to consider for your next adventure.

Still, never travel without health insurance. You may not know it, but Georgia is paradise for winter sports lovers. With ski slopes for all levels and more than 70% of its territory covered by mountains, it’s the perfect place to show your skiing or snowboarding skills. The same applies for hiking fans, who’ll find countless trails across stunning green landscapes. In other words, Georgia invites adventure. That’s why having insurance that ensures medical attention after any accident is essential. Even more, considering medical costs abroad can become a true headache. Don’t waste euros in hospitals – use them instead to fill your travel journal with unforgettable experiences. 

That said, let’s see which health insurance options in Georgia will give you the peace of mind you need to explore the country.

Which type of foreigners need health insurance in Georgia?

Let’s take it step by step and see who needs health insurance in Georgia. This European country has become an attractive destination for different groups of foreigners who wish to stay temporarily or for longer periods. Generally, we could say that anyone travelling here – for tourism, business, studies, or to spend some time working remotely – needs health insurance. However, each profile has specific health insurance needs:

Digital nomads and remote workers

For people living and working around the world, health insurance is vital to cover emergencies and medical consultations, since healthcare can be expensive. If you’re a digital nomad, you can purchase health insurance in Georgia for your entire stay, giving you peace of mind throughout your time in the country. Ideally, you should choose international health insurance, since Georgia will likely be part of a route through several countries. This way, you won’t need to switch providers in every destination. 

The same goes for Holafly monthly plans. What’s this? It’s an innovative product designed by the company, offering unlimited data depending on the plan you pick. You’ll not only get better Internet connection, but also browse in more than 60 countries with the same global eSIM. If you’re a digital nomad or remote worker, this tool will save you the stress of searching for Wi-Fi in every destination. On the other hand, for short stays, the Holafly eSIM for Georgia gives you unlimited data just for the days you need.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

By the way, if you need to apply for a visa to travel to Georgia and don’t know where to begin, we recommend reading this article: Visa for digital nomads in Georgia.

International students

Students arriving in Georgia to attend academic programmes also need health insurance. In fact, many universities or educational institutions in the country require international students to hold medical insurance that guarantees healthcare during their stay. 

The ideal coverage should include general medical care, emergencies, and specialists. Although, dental and mental health support would be a good addition, especially for young students living far from loved ones in a new country.

Expats

People moving to Georgia for work or personal reasons also require health insurance with broad coverage, particularly if they have pre-existing conditions.

Tourists

Although Georgia doesn’t usually require compulsory health insurance for tourists, having one is strongly recommended. It guarantees coverage in case of accidents, unexpected illnesses, or emergencies during the trip. Alternatively, you can choose travel insurance, which covers additional situations such as lost, stolen, or damaged luggage, or even flight cancellations and delays, among others.

People over 65

Planning to enjoy your retirement in Georgia? This may be an excellent choice, especially if you’re looking for full contact with nature. In this case, keep in mind that health insurance is usually essential for people over 65, who face greater health risks and need specific coverage, since some standard insurance plans may exclude them. That’s why you should look for coverage that includes hospitalisation, medication, and management of pre-existing conditions.

Types of health insurance in Georgia for foreigners

There are different health insurance options for foreigners travelling to Georgia, each one suitable for different needs or situations. For example, if you’re planning to visit as a tourist or for a short period, an international medical insurance policy with global coverage is probably the most convenient choice, since you’ll get healthcare anywhere, not only in Georgia. 

If you’re going to live or work in Georgia for a longer period, you could consider local insurance or a combination of international and complementary policies, depending on your personal needs. However, as mentioned earlier, international health insurance is often a good option for digital nomads who change country frequently. 

International health insurance

These policies are designed to cover people outside their country of residence and, in most cases, are an excellent option for foreigners travelling to Georgia. They generally provide broader coverage, including healthcare in several countries. Some examples of international insurance companies offering coverage for travellers to Georgia include:

• Cigna Global: Offers international health insurance adapted to the needs of expatriates, tourists, and frequent travellers. It covers a wide range of medical services, from emergencies to complex treatments.
• Allianz Worldwide Care: This insurer is also known for international coverage and provides flexible plans tailored to different budgets and coverage needs.
• Bupa Global: Offers high-level medical insurance for those travelling or living outside their home country. It includes extensive coverage for hospital treatment, medical consultations, and emergencies.
• AXA PPP Healthcare: Another major international health insurer, providing medical care both in the country of residence and abroad.

Local health insurance in Georgia

Although international health insurance is common among travellers, some choose to take out local policies in Georgia, especially if they plan to stay for a long period or live there. Local medical insurance can be more affordable but usually provides less coverage abroad. Some examples of local insurers in Georgia are:

• TBC Insurance: One of the leading insurers in Georgia, offering health insurance options for both locals and foreigners.
• GPI Holding: Another Georgian insurer with health plans covering basic healthcare needs and emergencies.
• Imedi L Insurance: Provides private health insurance in Georgia with a variety of coverage depending on the policyholder’s needs.

One important detail to consider is that customer service and documents are usually available only in the local language. 

Health insurance for international students

These plans are designed for students studying at Georgian universities, with coverage adjusted to their needs. They generally include medical consultations, hospitalisation, and in some cases, medication. Examples include EduCare International Student Health Insurance, which is offered by local universities.

As you can see, each insurance type has pros and cons, so you must carefully evaluate your situation before choosing. Here’s a table that gives you a clearer picture of the advantages and disadvantages in each case.

Advantages and disadvantages of the different types of health insurance in Georgia.

Pros and cons of each type of travel insurance for Georgia

Is healthcare expensive in Georgia?

In Georgia, healthcare for foreigners is private and prices aren’t exactly low. On the other hand, in the capital you’ll find well-equipped hospitals and clinics, but in rural areas the service quality is often poor. Also, while doctors in private clinics usually speak English or Russian, in the public system language can become a barrier.

That’s why we recommend purchasing health insurance that covers medical expenses and potential repatriation before travelling, and that offers support in several languages. Moreover, if you plan to practise sports or high-risk activities, make sure your insurance covers them. 

Another important detail: Georgia doesn’t accept the European Health Insurance Card, valid in many other European countries. Therefore, without insurance, you’ll need to cover all costs from your own pocket. To help you imagine how much medical care could cost, here’s a reference table of healthcare prices in Georgia, expressed in US dollars. These are estimates and may vary depending on location and service quality. 

Costs of healthcare services in Georgia

The 5 best health insurance options in Georgia for foreigners

There are many health insurance options for foreigners travelling to Georgia. But which ones are the best? Do all policies cover pre-existing conditions? Which is most recommended in terms of value for money? 

Choosing the right health insurance for travelling to Georgia depends on your specific needs, the time you’ll spend in the country, and your budget. For example, Cigna Global and AXA Global Healthcare are premium options for those seeking maximum coverage, while SafetyWing is ideal for travellers with tighter budgets. 

To help you choose the right one, here are 5 health insurance options in Georgia. Remember: Besides reading this article, always review each policy carefully, since every insurer has its own rules, exclusions, and details. Also, it’s advisable to contact the insurer directly for updated information on prices and specific coverage before making your decision.

Cigna Global Health

Cigna is one of the largest and most recognised insurers worldwide, with a strong reputation for customer service and international coverage, including Georgia. Its network is one of the biggest on the market, with over one and a half million hospitals worldwide and a broad portfolio of healthcare professionals. It offers health plans for global professionals, families, retirees, and students.

Its coverage is very comprehensive and includes:

• General medical care and specialist consultations.
• Diagnostic tests, lab work, and emergency care.
• Hospitalisation, surgeries, and advanced treatments.
• Coverage for chronic and pre-existing conditions
• Mental health services and psychological therapy, depending on the plan.
• Basic and advanced dental coverage.

Plans and prices: 

• Silver Plan: From $150 (€138) per month, includes consultations, hospitalisation, and basic coverage.
• Gold Plan: From $200 (€184) per month, with advanced dental coverage and pre-existing conditions.
• Platinum Plan: From $300 (€276) per month, unlimited global coverage and access to premium networks.

Exclusions: What’s not included in the policies, or requires an extra payment, includes:

• Psychological illnesses in the basic plan.
• Maternity costs not included unless added as a supplement.
• Restrictions for people over 75.

Recommended for: Foreigners staying 6 months or longer who need full coverage.

Allianz Care

Allianz Care is known for its flexibility in international health plans and for its extensive network of doctors and hospitals worldwide. It’s another ideal option for travellers seeking quality care in Georgia.

Like Cigna, its coverage is very comprehensive, so you’ll be protected in a wide range of situations:

• General and specialist medical care.
• Diagnostic tests and hospitalisation.
• Emergency care, medical transfers, and evacuation.
• Maternity and newborn care, depending on the plan.
• Physical and occupational therapies.

Plans and prices:

• Essential Plan: It’s the most basic plan. The price starts from $130 (€119) per month and covers consultations and basic hospitalisation.
• Classic Plan: An intermediate option, from $180 (€166) per month, including therapies, maternity, emergencies, plus consultations and hospital care.
• Premier Plan: The most complete plan, starting from $250 (€230) per month, with unlimited global coverage.

Exclusions:

• No coverage for pre-existing conditions in the Essential Plan.
• Limited dental and optical treatments.
• No coverage for illnesses related to substance abuse.

Recommended for: Travellers and expatriates seeking reliable health insurance with flexible plans.

GeoBlue

GeoBlue is an international health insurer offering coverage for travellers and expatriates worldwide, including Georgia. It belongs to the Blue Cross Blue Shield network, one of the largest and most recognised health insurers in the United States. This gives it access to a wide global network of doctors, hospitals, and high-quality medical services.

GeoBlue coverage includes:

• General and specialist consultations.
• Hospitalisation, surgeries, and emergency care.
• Coverage for chronic and pre-existing conditions in advanced plans.
• Physical and mental therapy.
• Emergency dental services.

Plans and prices: GeoBlue is a good option for travellers with lower budgets:

• Voyager Essential: A basic plan from $100 (€92) per month, ideal for short stays (up to 6 months).
• Xplorer Plan: From $220 (€202) per month, including pre-existing conditions and maternity.

Exclusions:

• Limited coverage for psychological conditions in Voyager Essential.
• No coverage for work-related accidents in basic plans.

Recommended for: Foreigners seeking specialised, customisable insurance for short or long stays.

SafetyWing

SafetyWing is health insurance designed specifically for digital nomads and frequent travellers. It offers global coverage with competitive prices and flexible terms.

Coverage includes:

• General consultations and emergency care.
• Hospitalisation and emergency surgeries.
• Medical transport and evacuation.
• Care for chronic illnesses.

Plans and prices: Another affordable choice for travellers spending less on health insurance in Georgia:

• From $42 (€39) for 4 weeks, covering basic needs.
• From $150 (€138) per month for advanced coverage including pre-existing conditions.

Exclusions:

• No dental or optical coverage.
• Limited coverage for people over 65.
• Pre-existing conditions require an extra supplement.

Recommended for: Digital nomads and young expatriates seeking an affordable, efficient option.

AXA Global Healthcare

AXA Global Healthcare is one of the world’s most recognised insurers. It offers comprehensive health plans with access to quality networks in Georgia. 

Coverage includes:

• Consultations and full hospitalisation.
• Recovery and rehabilitation therapies.
• Care for chronic and pre-existing conditions.
• Basic and emergency dental services.
• Maternity and newborn care.

Plans and prices: Although more expensive compared to the two previous ones, you’ll have the support of one of the largest and most reliable insurers worldwide. 

• Standard Plan: From $180 (€166) per month, ideal for basic coverage.
• Comprehensive Plan: From $250 (€230) per month, including maternity and pre-existing conditions.

Exclusions:

• No psychological therapy in the Standard Plan.
• Limited coverage for people over 70.

Recommended for: Travellers who need broad, reliable coverage with premium services.

Which is the best health insurance in Georgia for foreigners?

Of all the health insurance options in Georgia we’ve presented, we believe the best choice for foreigners is Cigna Global Health. There are several reasons for this decision.

To begin with, it offers comprehensive coverage, with highly customisable plans that include general medical care, hospitalisation, preventive services, dental and eye care, and in some plans, pre-existing conditions. At the same time, its network of hospitals and clinics is truly extensive, with countless options worldwide. Therefore, you’re guaranteed access to quality healthcare in Georgia, both in private hospitals and in the country’s top medical centres.

We also value the flexibility of its plans, which lets users adjust coverage according to their needs and budget. Plus, its 24/7 customer support in multiple languages ensures that foreigners can resolve any insurance-related issue quickly and efficiently.

Although it’s not the cheapest insurance, Cigna Global offers solid value for money that justifies the investment. Other advantages include its intuitive app, where you can manage claims, check affiliated medical networks, and access your plan information; and the fact that reimbursements are fast and easy to request, something highlighted in customer reviews.

Comparison with other options:

• AXA Global Healthcare: Although it also offers comprehensive coverage, prices are usually higher and dental or eye care isn’t always standard.
• SafetyWing: Ideal for digital nomads, but coverage may be limited for chronic or pre-existing conditions.
• GeoBlue: Strong coverage, but prices are significantly higher than Cigna for similar plans.
• Allianz Care: An excellent option with global coverage, but its claims process tends to be more bureaucratic and less competitive in price.

Health insurance in Georgia: Frequently asked questions

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