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Which cover level fits your move?

By Covered Abroad Research Desk · Last verified July 2026

A quick minute of questions about your move, your household, the care you want covered, and your budget. We match you to one of the five cover levels, show the real starting price, say honestly why, and hand you a quote form with your answers already filled in.

This is guidance, not advice. Benefits shown are Regency’s public benefit tables; premiums are quote-based and confirmed by a person on your call. Cover excludes treatment in the United States, and pre-existing conditions are excluded.

The five cover levels

These are the levels the tool matches you to. Limits are annual, per person, from Regency’s public benefit tables; starting prices are cell-exact from the 2026 rate card.

Standard

From $1,133/yearabout $94/mo billed annuallyChildren 0–17: flat $853/yr

Adds everyday outpatient care — GP and specialist visits, prescriptions, and tests — to hospital cover.

US$1,000,000 overall plan limit per year
GP, specialist, medication & lab tests (US$750 each)
Outpatient surgical to US$25,000

Semi-private hospital room & board
Pre- & post-hospitalisation cover

New applicants up to age 70.

+ everything included — hover to expand

Scope: No dental or wellbeing benefits at this level.

Choose Standard See your price by age →

Most chosen for visa moves

Comprehensive

From $1,525/yearabout $127/mo billed annuallyChildren 0–17: flat $1,151/yr

Broad family cover: full outpatient, dental, wellbeing check-ups, and parental accommodation.

US$1,000,000 overall plan limit per year
Full outpatient: GP, specialist, meds, tests, physiotherapy
Dental (major & emergency, inpatient) + annual check-ups
Parental accommodation (added bed, same room)
Organ transplant cover to US$100,000

Annual wellbeing check-ups to US$250 (co-insurance)

New applicants up to age 70.

+ everything included — hover to expand

Choose Comprehensive

Want the maximum? Fully Comprehensive adds a private room, a US$2,000,000 limit and routine dental from about +$32/mo.

See your price by age →

Fully Comprehensive

From $1,906/yearabout $159/mo billed annuallyChildren 0–17: flat $1,439/yr

The highest level: full-cover room, uncapped surgeon fees, routine dental, and the largest limits.

US$2,000,000 overall plan limit per year
Full-cover private room & board
Full surgeon, professional & outpatient cover
Routine & major dental (after 6-month wait)

Wellbeing check-ups & vaccinations to US$500

New applicants up to age 70.

+ everything included — hover to expand

Choose Fully Comprehensive See your price by age →

See your exact price by age →

Budget options — limited cover

Essential Health

From $392/yearabout $33/mo billed annually

A budget plan for accident and emergency care in state hospitals only. Not full private health cover.

US$100,000 maximum plan limit per year
Unforeseen accident & emergency care only

Scope: State hospitals only, accident/emergency only. No outpatient, dental, or wellbeing cover. Not a substitute for full private health insurance on a visa application.

Choose Essential Health →

Major Medical

From $721/yearabout $60/mo billed annually

Hospital-focused cover: inpatient treatment, surgery, and emergencies, worldwide outside the US.

US$1,000,000 overall plan limit per year
Semi-private hospital room & board
Theatre, ICU, and emergency-room cover (full)

Scope: No outpatient, dental, or wellbeing benefits at this level.

Choose Major Medical →

Benefit comparison across the five plan levels
Benefit	Essential Health	Major Medical	Standard	Comprehensive	Fully Comprehensive
Price per adult (from, billed annually)	$392/yr	$721/yr	$1,133/yr	$1,525/yr	$1,906/yr
Annual plan limit	US$100,000	US$1,000,000	US$1,000,000	US$1,000,000	US$2,000,000
Hospital room & board	Capped daily rate	Semi-private	Semi-private	Semi-private	Full cover
Outpatient (GP, specialist, meds)	—	—	US$750 each	US$750 each	Full cover
Dental	—	—	—	Inpatient + major (co-insurance)	Routine & major (6-mo wait)
Wellbeing check-ups	—	—	—	US$250 (co-insurance)	US$500
Evacuation & repatriation	—	Optional add-on	Optional add-on	Optional add-on	Optional add-on

Treatment is covered worldwide, excluding the United States.
Pre-existing conditions are excluded — including conditions you did not know about.
Evacuation & repatriation is an optional benefit that costs an additional premium.
Prices are Regency’s 2026 rates for the EU region: per person, per year, billed annually, starting at adult age 18 — your exact price depends on age. Children 0–17 pay a flat rate on every plan.
Plans run in 12-month terms and renew at the anniversary; the age limits shown apply to new applicants.

Questions about finding your level

How is the recommendation chosen?

From your answers only: destination, household, age, the care you want covered, your priority, and your budget range. It maps to the public benefit tables and the official 2026 rate card. If your needs point above your budget we say so honestly and show the in-budget alternative. No email is required.

Is Essential Health enough for a visa application?

Generally no. Essential Health covers unforeseen accident and emergency care in state hospitals only, with no outpatient, dental or wellbeing cover. It is a budget plan rather than full private health cover, and it is not a substitute for full private health insurance on a long-stay visa application.

What are the five levels?

Essential Health (US$100,000 a year, state hospitals, accident and emergency only), then Major Medical, Standard and Comprehensive (each US$1,000,000 overall plan limit a year), then Fully Comprehensive (US$2,000,000). The benefit depth rises with the level, not just the limit.

Are the prices shown real?

Yes. Starting prices come cell-exact from the 2026 rate card rather than being estimated, and children 0 to 17 are priced at a flat rate. Premiums rise with age; the full age-by-age table is on the pricing page.

Do I need to give an email to see my result?

No. The tool shows your recommended level and its real starting price without an email address, then hands you a quote form with your answers already filled in if you want to go further.

What is excluded regardless of level?

Pre-existing conditions are excluded, including ones you did not know about, and cover is worldwide but excludes treatment in the United States. Covered Abroad is an introducer rather than the insurer, so we cannot extend cover beyond the policy wording.