Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, focusing on clear, neutral information to help people find health coverage abroad.
Last updated: January 27, 2026
Quick Summary: Health Insurance in Tonga
- Tonga does not require health insurance for most visas, but coverage is recommended.
- The public healthcare system (MOH) is available to residents.
- International health insurance typically costs $70-160/month.
- Private healthcare offers faster access and English-speaking staff in major cities.
- Popular visa options include: Work Permit, Residence Permit.
Do You Need Private Health Insurance in Tonga?
Tonga does not mandate health insurance for most visa types. However, private coverage is strongly recommended as it provides access to quality healthcare without long wait times. Expats from countries without reciprocal healthcare agreements should definitely get coverage.
You likely need private insurance if:
- Expats wanting faster access to healthcare
- Those preferring English-speaking medical staff
- Anyone with pre-existing conditions
- Digital nomads and remote workers
Public vs Private Healthcare in Tonga
Public Healthcare
MOH
- Access: Tongan citizens, legal residents
- Cost: $10-20/visit
Quality and access vary by location. Wait times may exist for specialists.
Private Healthcare
International or Local Private
- Access: Open to anyone
- Cost: $70-160/month
International plans offer worldwide coverage, English support, and direct billing at major hospitals.
Plan Options to Compare
Here are the most popular insurance options for expats in Tonga. Each has trade-offs depending on your situation.
Cigna Global
Best for: Worldwide coverage and strong customer service
Not ideal for: Budget-focused expats staying only in Tonga
Allianz Care
Best for: High-deductible savings and EU-based service
Not ideal for: Those wanting minimal out-of-pocket costs
BUPA Global
Best for: Pre-existing conditions and mental health coverage
Not ideal for: Those seeking the lowest premiums
IMG Global
Best for: Budget international coverage
Not ideal for: Those wanting premium service levels
Comparison Table: Top Expat Health Plans for Tonga
Compare the leading options side by side. Click "Details" to learn more about each provider.
| Provider | Best For | Coverage Style | Includes U.S.? | Notable Limits | Learn More |
|---|---|---|---|---|---|
| Cigna Global | Worldwide coverage and strong | International comprehensive | Higher cost than local options | Details → | |
| Allianz Care | High-deductible savings and EU-based | International comprehensive | Deductibles apply to savings | Details → | |
| BUPA Global | Pre-existing conditions and mental | International premium | Premium pricing | Details → | |
| IMG Global | Budget international coverage | International standard | 12-month pre-existing exclusion | Details → |
Common Watch-outs for Tonga
Keep these points in mind when choosing coverage:
- Pre-existing conditions may have waiting periods (typically 6-24 months).
- Check if your plan covers the specific Tongan regions you'll live in.
- Age limits may apply—some insurers won't cover new applicants over 65-75.
- Medical evacuation coverage is important if quality care requires travel to another country.
Frequently Asked Questions
Do I need health insurance for a Tonga visa?
No. Tonga does not require health insurance for most visa types. However, coverage is strongly recommended as it provides access to quality healthcare and protects against unexpected medical costs.
How does Tongan public healthcare work?
Tonga's public healthcare system (MOH) provides coverage to citizens and legal residents. Access and quality vary by location. Most expats supplement with private insurance for faster care and English-speaking staff.
How much does health insurance cost in Tonga?
International health insurance typically costs $70-160/month depending on your age and coverage level. Local/public options cost $10-20/visit but may have limitations for non-citizens.
What's the best health insurance for expats in Tonga?
The best option depends on your situation. Cigna Global and Allianz Care are popular for comprehensive international coverage. Budget-conscious expats may prefer IMG Global or local options if they plan to stay long-term.
Are pre-existing conditions covered in Tonga?
Most insurers have waiting periods (6-24 months) for pre-existing conditions. Some plans offer coverage after the waiting period; others may exclude specific conditions. BUPA Global is known for more flexible pre-existing condition policies.
Related: Comparisons and Next Steps
Disclaimer: This guide is for informational purposes only. Healthcare policies, insurance requirements, and visa rules change. We are not insurance brokers, immigration consultants, or licensed advisors. Verify all information with official sources and insurance providers before making decisions.