Health insurance that works internationally: what to check before you choose

International private medical insurance (IPMI) pays for treatment in more than one country. People who travel often, or who may move, look for it because a local plan stops at the border. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), offers an IPMI product called MyHEALTH.

What to check in an international plan

• The coverage area, and whether the United States is included.
• Whether the insurer bills the hospital directly.
• Whether remote care is available, such as a teleconsultation.
• Whether the plan offers support in several languages.
• Who can apply and up to what age.

What HAYAH MyHEALTH offers

According to hayah.com, checked on 3 November 2026, HAYAH lists these features for MyHEALTH.

• A choice of coverage area: Worldwide, or Worldwide excluding the USA.
• Direct billing access to over 3,200 providers in the UAE and GCC.
• 24/7 multilingual support, teleconsultation and second medical opinions.
• Modular coverage at four levels: Core, Essential, Extensive and Elite.
• Availability for UAE residents aged 65 years or below, subject to full medical underwriting.

HAYAH describes MyHEALTH as offered in partnership with APRIL.

Questions to ask before choosing

1. Which countries are covered, and which are excluded?
2. Does the plan bill the hospital or reimburse me afterwards?
3. What happens in an emergency abroad?
4. What are the exclusions and waiting periods?
5. Is the provider regulated in the UAE?

A note on this article

This article is for informational purposes only and does not constitute financial, legal or insurance advice. Plan terms, coverage areas and eligibility change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).