The question “what does international health insurance cost per month?” sounds like it has one answer. PassportCard’s public calculator uses several inputs: plan, age band, geographical zone and number of insured people. It also contains separate prices for add-ons. A general figure cannot replace that specific combination.
In summary
- The monthly premium always belongs to a defined geographical zone.
- Plan, age band and number of people are recorded separately in the calculator; add-ons have their own prices.
- The calculator labels every displayed price as indicative.
- General price ranges are not personal quotations and can change when prices or product documents are updated.
Why the zone changes the premium
A coverage zone describes the geographical framework. The public calculator offers worldwide excluding the USA and worldwide including the USA as separate selections. It therefore documents separate pricing but does not state the actuarial reason.
A figure without its zone label is therefore incomplete. “Worldwide” can include or exclude the USA depending on the contract. Other country groups and rules for temporary stays can also matter. The exact list belongs to the current offer and policy documents.
The coverage zones article explains this distinction in more detail. A zone and a monthly figure belong together in every price description.
Reproducible example: EUR 259 per month
In the calculator version retrieved again on 4 October 2026, selecting Expat Comprehensive, age 30–34, worldwide excluding the USA, one insured person and no add-ons produces an indicative value of EUR 259 per month. This is the same value as at the first review on 3 September 2026. The calculator displays it with the prefix “from”.
That figure is reproducible only with the same inputs. It is not a personal quotation and says nothing about other age bands, zones, plans or family arrangements. The calculator expressly labels its prices as indicative.
For a later check, record all five parameters together with the date and currency. A screenshot showing only the final figure loses the context that makes the example reproducible. If any input changes, it becomes a different parameter set and the earlier value is no longer directly comparable.
What the indicative figure does not answer
The indicative figure is not a personal acceptance decision or a binding premium. The provider’s notice says that the personal premium is determined during a consultation. A calculator result is therefore not a promise that a policy will be issued.
The monthly value alone also does not establish when cover starts, whether a waiting period applies or which contractual limits are relevant. Those questions belong to the personal offer and its policy documents.
Why older figures need context
Premiums, benefit tables and regional definitions can be updated. A figure from an older document may provide historical orientation, but it does not prove a current personal premium. The currency, billing period and document date need to be visible.
This matters when several websites are compared. A monthly amount can refer to a different zone, age group or deductible. Two figures become meaningfully comparable only when their policy parameters match.
The number of insured people also matters. The documented value is for one person and cannot be applied to a family. “Per month” states a period; it does not define the plan, zone or audience.
What a current offer clarifies
A current offer connects personal information to a particular policy. It is more specific than a general search phrase or the documented calculator figure.
The Costs and Coverage pages explain the separate layers. The Journal collects related topics. None of these pages is an individual premium calculation.
This article explains price factors in general and does not state a personal premium.