XN Global health insurers - a Henner group company
Quality Healthcare and Happy customers
A Managing General Agent (MGA) and fully owned subsidiary of Henner Group, offering customisable international private medical insurance for individuals, families and businesses worldwide — backed by 13+ years of experience and access to 1.8 million healthcare providers globally.
XN Global Health Insurance — International Insurance for Expats & Companies
A Managing General Agent (MGA) and fully owned subsidiary of Henner Group, offering customisable international private medical insurance for individuals, families and businesses worldwide — backed by 13+ years of experience and access to 1.8 million healthcare providers globally.
No single insurer fits every risk
We represent more than 25 insurers precisely because medical, vehicle, home, factory/office and professional liability cover each reward a different kind of underwriter or administrator. An insurer we rate highly for expat medical cover may not be who we'd recommend for a factory property policy. This profile tells you what XN Global is — and isn't — the right fit for.
Expats, remote professionals, families and employers who want a highly customisable international medical plan — five tiers, adjustable geographic scope, and voluntary-deductible discounts — from an MGA backed by a major European financial group (VYV, via Henner) and administered by Henner's own international claims network. Entry age up to 79 makes it a notable option for older expats that some insurers price out. Less suited to clients who want the single cheapest premium on the directory, or coverage for residents of the USA, Canada, UAE or sanctioned countries, which XN Global excludes.
How XN Global scores on our 5 criteria
Scored out of 5 on each criterion. See the full methodology for how we assess reliability, benefits, flexibility, pricing and claims handling across all partner insurers. Illustrative rating based on advisory board review — updated periodically.
Reliability
XN Global is a Managing General Agent (MGA) and fully owned subsidiary of Henner Group, backed by the VYV Group, a major European mutual insurance and health-protection federation — giving members institutional financial backing behind a specialist underwriting operation with 13+ years in the market.
Benefits Value
Five plan tiers from essential in-patient and evacuation cover up to a top tier adding IVF/fertility treatment and laser eye surgery, plus maternity, mental health and preventative-care benefits, backed by a reported 1.8 million-provider network.
Flexibility
Genuinely adjustable geographic scope — worldwide including USA elective treatment, worldwide excluding the USA, or region-specific restrictions — plus voluntary deductible options; group eligibility starts from just 3 employees.
Pricing
Uses a Community Rating renewal model — premiums move with global medical inflation and the claims experience of XN Global's whole policyholder pool rather than the individual alone, though voluntary deductibles can offset this by up to ~40%.
Admin & Claims
Claims administration is handled by Henner, a major international TPA, with online local-currency filing and direct billing — solid infrastructure, though members deal with Henner's operation rather than XN Global directly, an extra layer versus insurers with in-house claims teams.
A Henner Group MGA built for global mobility
XN Global Health Insurance operates as a Managing General Agent — a fully owned subsidiary of Henner Group, a leading international employee-benefits broker and third-party administrator. Rather than carrying insurance risk itself, XN Global designs and underwrites plans in partnership with A-rated carriers and Lloyd's of London-linked capacity, while Henner's own network handles claims administration and provider access. The company reports $160M in administered insurance premiums and roughly 25,000 beneficiaries globally, serving individuals, families and businesses across Europe, Hong Kong, Asia and Africa (coverage excludes residents of the USA, Canada, UAE and sanctioned countries).
Plan tiers & corporate structure
XN Global offers five distinct plan tiers, moving from essential cover to the most comprehensive international protection:
What XN Global offers
Sourced from XN Global's own product pages — grouped here the way our advisory board evaluates it.
Individual & Family Health Insurance
Full Medical Underwriting plans for expats and local citizens up to age 79 at entry, with dependants covered up to age 18 (no standalone child-only policies).
Groups — Under 50 Employees
Group health plans for small and growing businesses, starting from a minimum of 3 covered lives.
Groups — Over 50 Employees
Larger corporate plans with Medical History Disregarded available once a group reaches 10 or more members, simplifying enrolment and removing pre-existing-condition exclusions at that scale.
Europe, Hong Kong, Asia & Africa Plans
Market-specific plan structures and pricing for clients based in Europe, Hong Kong, wider Asia, and Africa — coverage is not available to residents of the USA, Canada, UAE or sanctioned countries.
Broker Network
XN Global works through an established broker network — insurance advisors, including InsuranceinAsia, place and service client policies on XN Global's behalf.
Online Claims via Henner
Claims are filed online in the member's local currency, with direct billing available across much of Henner's 1.8-million-provider global network.
Common questions about XN Global
Sourced and paraphrased from XN Global's own site and independent broker reviews — answered here in the context of clients based in Vietnam.
Is XN Global an insurance company?
XN Global is a Managing General Agent (MGA) and a fully owned subsidiary of Henner Group — it designs, prices and distributes the plans, while underwriting capacity sits with partner carriers and claims are administered by Henner.
Which plan tier should I choose?
Five tiers are available — Base, Elevation, Ascent, Summit and Apex — moving from essential in-patient and evacuation cover up to comprehensive benefits including routine maternity, IVF/fertility treatment and laser eye surgery at the top tier.
Where does XN Global provide cover?
XN Global covers individuals, families and groups across Europe, Hong Kong, wider Asia and Africa, with flexible geographic scope (worldwide including USA elective treatment, worldwide excluding the USA, or region-specific). It does not currently cover residents of the USA, Canada, UAE or sanctioned countries.
How does pricing work at renewal?
XN Global uses a Community Rating model — premiums move with global medical inflation and the claims experience of the whole XN Global policyholder pool, with additional step increases typically applied at age milestones ending in 0 or 5. Voluntary deductibles can reduce premiums by up to roughly 40%.
How do I make a claim?
Claims administration is handled by Henner, XN Global's parent-group TPA — members file claims online in their local currency, with direct billing available at many hospitals across the global network.
Does XN Global offer group cover for companies?
Yes — group plans are available from a minimum of 3 employees, with Medical History Disregarded (pre-existing conditions generally covered without individual underwriting) automatically available once a group reaches 10 or more members.
Reach XN Global or your advisor
Latest contact details, pulled directly from XN Global's official site.
XN Global's regional offices
XN Global has no dedicated Vietnam office — clients based in Vietnam are served through their InsuranceinAsia advisor locally, with claims routed through Henner's 24/7 global claims call center. XN Global's own contact channel is a form-based enquiry system rather than a published general email — use the official contact page linked below.
