Finding cheap health insurance in Europe is one of the biggest challenges for travelers and expats 🧳.
Healthcare in Europe is excellent — but without proper insurance, medical costs can be high 💸. Luckily, in 2025, several companies offer affordable, high-quality health insurance that covers everything from emergencies to regular doctor visits.
In this article, we’ll explore the top cheap health insurance companies in Europe, compare their benefits, and help you choose the right plan for your lifestyle 🌍.
🩺 Why You Need Health Insurance in Europe
Even though many European countries have public healthcare systems 🇪🇺, they usually serve citizens and legal residents only.
If you’re a traveler, student, or digital nomad, you’ll need private or international coverage.
✅ Benefits of Having Health Insurance:
- Covers emergencies and hospital visits 🏥
- Access to private doctors and clinics
- Reimbursement for medicines 💊
- Global or EU-wide coverage
- Peace of mind while traveling 🌐
Having the right cheap health insurance plan can save you thousands of euros in case of an emergency.
💼 Top 10 Cheap Health Insurance Companies in Europe (2025)
Let’s explore the most affordable and trusted providers for 2025 👇
1. 💙 SafetyWing
Keyword: Cheap travel health insurance Europe
SafetyWing is perfect for travelers, students, and digital nomads who want flexible, low-cost coverage.
Highlights:
- Starting at just €40/month 💶
- Works in 180+ countries 🌎
- Covers COVID-19 & emergencies
- Easy monthly subscription
💡 Best for: Freelancers, remote workers, and budget travelers.
2. 💚 Cigna Global
Keyword: Affordable expat health insurance Europe
Cigna Global offers customizable and affordable plans for residents and expats.
Highlights:
- Coverage across Europe
- 24/7 multilingual support 🌐
- Choose your coverage level
- Great hospital network
💡 Best for: Expats living in Spain, Portugal, Germany, or Italy.
3. 🩵 April International
Keyword: Low-cost health insurance Europe
April International is a French company known for its budget-friendly health insurance.
Highlights:
- Hospital & outpatient care
- Affordable monthly payments 💳
- Great for students & long-term stays
💡 Best for: Students, young professionals, and long-term travelers.
4. 🇩🇪 Allianz Care (Germany)
Keyword: Best international health insurance Europe
Although known for premium plans, Allianz Care also offers basic coverage options for lower budgets.
Highlights:
- Emergency and hospital coverage 🏥
- Excellent reputation
- Mobile app for claims 📱
💡 Best for: Those wanting trusted coverage from a top European insurer.
5. 🇪🇸 AXA Health Europe
Keyword: Private health insurance Europe
AXA is one of Europe’s largest insurers with affordable individual and family plans.
Highlights:
- EU-wide medical support
- Quick online claims 💻
- Dental & maternity add-ons
💡 Best for: Families and residents looking for long-term coverage.
6. 🇳🇱 Aon Student Insurance (Netherlands)
Keyword: Cheap student health insurance Europe
Aon offers specialized student insurance with flexible, low-cost options.
Highlights:
- Plans for students from €25/month 🎓
- Covers hospital, dental, and sports injuries
- Accepted by most EU universities
💡 Best for: International students and Erasmus participants.
7. 🇨🇭 Swisscare
Keyword: Affordable student health insurance Europe
Swisscare is ideal for young travelers and exchange students.
Highlights:
- Fast online registration
- Covers study-related activities
- Great for short or long stays
💡 Best for: Students & budget travelers in Switzerland, France & Germany.
8. 🇩🇰 Globality Health
Keyword: Best cheap expat health insurance Europe
Globality Health focuses on expats and working professionals.
Highlights:
- Affordable entry-level plans
- 24/7 multilingual service 🌍
- Direct billing with hospitals
💡 Best for: Professionals working in EU companies.
9. 🇬🇧 Bupa Global (UK)
Keyword: Cheap private medical insurance Europe
Bupa is globally known but offers regional plans in Europe that are surprisingly affordable.
Highlights:
- Great reputation
- Mental health & wellness coverage 🧠
- Multiple plan levels
💡 Best for: Long-term residents & digital nomads.
10. 🇫🇷 Mutuaide Assistance (France)
Keyword: Low-cost travel insurance Europe
Mutuaide Assistance offers simple, affordable health insurance for short-term stays.
Highlights:
- Short-term and travel coverage
- Great for tourists & backpackers 🎒
- Works in all EU countries
💡 Best for: Short vacations & business travelers.
💰 Average Cost of Cheap Health Insurance in Europe (2025)
| Plan Type | Average Monthly Cost (€) | Ideal For |
|---|---|---|
| Student Plan | 25 – 50 | Students & interns 🎓 |
| Traveler Plan | 30 – 60 | Tourists & digital nomads 🌍 |
| Expat Basic Plan | 60 – 100 | Expats & residents 🏡 |
| Family Plan | 100 – 180 | Families & couples 💑 |
🧭 How to Choose the Right Cheap Health Insurance Plan
Choosing the right plan doesn’t mean going for the lowest price only 💡.
You should check these key features:
✅ Coverage area: Europe-only or global?
✅ Deductibles: How much you pay before coverage starts.
✅ Hospital access: Is your city’s hospital included?
✅ Emergency services: 24/7 medical help is essential.
✅ Add-ons: Dental, maternity, and vision care options.
💡 Tip: Always compare at least 3 providers before buying — sites like CompareEuropeInsurance.com or Policybazaar EU help you find the cheapest plan for your needs.
🌟 Final Thoughts
Finding cheap health insurance in Europe (2025) doesn’t mean sacrificing quality 💪.
Providers like SafetyWing, April International, and Cigna offer reliable coverage at budget-friendly prices.
Whether you’re a student 🎓, traveler ✈️, or expat 🏠, you can stay healthy and protected without breaking the bank.
So before you pack your bags for your next European adventure, make sure you’ve got the right health insurance — because good health is priceless ❤️.