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Best Health Insurance in Samoa

50 plans ranked and reviewed Β· Updated April 2026

Healthcare System Overview

Public healthcare with limited private insurance market serving formal sector workers.

#1

Samoa NPF Member Health Cover

National Provident Fund Samoa (NPF)

basic
Government-Backed
β˜…β˜…β˜…β˜†β˜†3.7(1,120 reviews)

Monthly Premium

WST 80 - WST 250

Deductible

WST 20 - WST 80

  • βœ“Government-mandated social protection for Samoan employees
  • βœ“Covers treatment at Tupua Tamasese Meaole National Hospital
  • βœ“Affordable contributions for formal sector workers
β€œSamoa's NPF Member Health Cover provides the essential baseline of health protection for Samoan formal sector workers through the national hospital system.”— Pacific Islands Social Protection Review 2025
#2

Colonial Samoa Health Plan

Colonial Life Insurance Samoa

standard
Best Private Option
β˜…β˜…β˜…β˜…β˜†4(840 reviews)

Monthly Premium

WST 150 - WST 420

Deductible

WST 30 - WST 100

  • βœ“Pacific-wide Colonial Group coverage in Samoa
  • βœ“Medical evacuation to New Zealand for complex cases
  • βœ“Covers private clinic visits in Apia
β€œColonial Samoa Health Plan is the leading private option in Samoa, valued for its New Zealand evacuation capability and Apia private clinic access.”— Pacific Insurance Consumer Guide 2025
#3

Samoa National Health Health Plan

Samoa National Health

premium
Best Urban CoverageBest Rehabilitation
β˜…β˜…β˜…β˜…β˜†4.4(8,676 reviews)

Monthly Premium

WST 38 - WST 150

Deductible

WST 4 - WST 35

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSamoa National Health provides a strong option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Value Assessment 2025

Samoa General Insurance Health Plan

Samoa General Insurance

premium
Innovation AwardBest HSA CompatibleBest Preventive
β˜…β˜…β˜…β˜†β˜†3.5(14,849 reviews)

Monthly Premium

WST 90 - WST 154

Deductible

WST 7 - WST 32

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSamoa General Insurance provides a solid option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Annual Insurance Rankings 2025

AXA Samoa Health Plan

AXA Samoa

premium
Best Digital ToolsMost Affordable
β˜…β˜…β˜…β˜…β˜†4.1(14,422 reviews)

Monthly Premium

WST 54 - WST 119

Deductible

WST 9 - WST 18

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“Wide provider network
β€œAXA Samoa provides a strong option for Samoa residents seeking premium health coverage with reliable traditional service.”— Samoa Annual Insurance Rankings 2025

Allianz Samoa Health Plan

Allianz Samoa

comprehensive
Best for SeniorsBest for ExpatsBest Coverage Limits
β˜…β˜…β˜…β˜†β˜†3.2(11,827 reviews)

Monthly Premium

WST 59 - WST 139

Deductible

WST 4 - WST 33

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œAllianz Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Regulatory Assessment Report 2025

Cigna Samoa Health Plan

Cigna Samoa

premium
Most AffordableBest Coverage Limits
β˜…β˜…β˜…β˜†β˜†3.9(4,040 reviews)

Monthly Premium

WST 75 - WST 176

Deductible

WST 0 - WST 19

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œCigna Samoa provides a solid option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Customer Satisfaction Index 2025

Bupa Samoa Health Plan

Bupa Samoa

premium
Best Wellness Program
β˜…β˜…β˜…β˜†β˜†3.7(17,441 reviews)

Monthly Premium

WST 35 - WST 150

Deductible

WST 8 - WST 34

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“Wide provider network
β€œBupa Samoa provides a solid option for Samoa residents seeking premium health coverage with reliable traditional service.”— Samoa National Insurance Review 2025

MetLife Samoa Health Plan

MetLife Samoa

basic
Best for Self-Employed
β˜…β˜…β˜…β˜†β˜†3.6(17,120 reviews)

Monthly Premium

WST 32 - WST 166

Deductible

WST 10 - WST 31

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œMetLife Samoa provides a solid option for Samoa residents seeking basic health coverage with modern digital tools.”— Samoa Value Assessment 2025

Zurich Samoa Health Plan

Zurich Samoa

standard
Best PrescriptionBest Claims Process
β˜…β˜…β˜…β˜…β˜†4.3(3,828 reviews)

Monthly Premium

WST 74 - WST 172

Deductible

WST 5 - WST 16

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œZurich Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Financial Stability Ratings 2025

Generali Samoa Health Plan

Generali Samoa

comprehensive
Best Group PlansBest for Young Adults
β˜…β˜…β˜…β˜…β˜†4.2(1,940 reviews)

Monthly Premium

WST 43 - WST 139

Deductible

WST 10 - WST 12

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œGenerali Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Value Assessment 2025

AIG Samoa Health Plan

AIG Samoa

standard
Best for Seniors
β˜…β˜…β˜…β˜…β˜†4.3(10,928 reviews)

Monthly Premium

WST 68 - WST 171

Deductible

WST 5 - WST 40

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œAIG Samoa provides a strong option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Consumer Choice Awards 2025

Prudential Samoa Health Plan

Prudential Samoa

premium
Community ChoiceBest DentalBest Online Portal
β˜…β˜…β˜…β˜…β˜†4.2(7,256 reviews)

Monthly Premium

WST 59 - WST 148

Deductible

WST 10 - WST 38

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œPrudential Samoa provides a strong option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Health Insurance Comparison 2025

Manulife Samoa Health Plan

Manulife Samoa

standard
Most AffordableBest Individual Plans
β˜…β˜…β˜…β˜…β˜†4.1(17,230 reviews)

Monthly Premium

WST 85 - WST 189

Deductible

WST 4 - WST 28

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œManulife Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Value Assessment 2025

Liberty Samoa Health Plan

Liberty Samoa

basic
Best Rural Coverage
β˜…β˜…β˜…β˜…β˜†4(993 reviews)

Monthly Premium

WST 63 - WST 197

Deductible

WST 7 - WST 20

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œLiberty Samoa provides a strong option for Samoa residents seeking basic health coverage with modern digital tools.”— Samoa Best Practice Awards 2025

Chubb Samoa Health Plan

Chubb Samoa

premium
Not-For-ProfitBest Cancer CoverageBest Outpatient
β˜…β˜…β˜…β˜†β˜†3.9(9,870 reviews)

Monthly Premium

WST 88 - WST 143

Deductible

WST 8 - WST 29

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œChubb Samoa provides a solid option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Insurance Innovation Awards 2025

HDI Samoa Health Plan

HDI Samoa

standard
Best RehabilitationBest for FamiliesBest for Seniors
β˜…β˜…β˜…β˜†β˜†3.2(16,572 reviews)

Monthly Premium

WST 63 - WST 179

Deductible

WST 4 - WST 38

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œHDI Samoa provides a solid option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Digital Insurance Awards 2025

Mapfre Samoa Health Plan

Mapfre Samoa

premium
Best Mental HealthBest Coverage LimitsGreen Insurer
β˜…β˜…β˜…β˜…β˜†4.8(15,475 reviews)

Monthly Premium

WST 85 - WST 180

Deductible

WST 10 - WST 36

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œMapfre Samoa provides a strong option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Annual Insurance Rankings 2025

FWD Samoa Health Plan

FWD Samoa

comprehensive
Best Rural CoverageBest Claims ProcessSocial Enterprise
β˜…β˜…β˜…β˜†β˜†3.4(3,950 reviews)

Monthly Premium

WST 86 - WST 161

Deductible

WST 6 - WST 25

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œFWD Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Digital Insurance Awards 2025

Sun Life Samoa Health Plan

Sun Life Samoa

standard
Green InsurerBest Mental Health
β˜…β˜…β˜…β˜…β˜†4.8(14,876 reviews)

Monthly Premium

WST 78 - WST 159

Deductible

WST 0 - WST 38

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSun Life Samoa provides a strong option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Healthcare Quality Survey 2025

Great Eastern Samoa Health Plan

Great Eastern Samoa

standard
Best for FamiliesBest Group PlansBest Mental Health
β˜…β˜…β˜…β˜…β˜†4.1(10,263 reviews)

Monthly Premium

WST 53 - WST 185

Deductible

WST 6 - WST 23

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œGreat Eastern Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Annual Insurance Rankings 2025

MSIG Samoa Health Plan

MSIG Samoa

comprehensive
Best for Young AdultsBest Deductible Options
β˜…β˜…β˜…β˜†β˜†3.8(17,334 reviews)

Monthly Premium

WST 59 - WST 112

Deductible

WST 3 - WST 35

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œMSIG Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Annual Insurance Rankings 2025

Tokio Marine Samoa Health Plan

Tokio Marine Samoa

standard
Best for Young AdultsBest Group PlansBest Coverage Limits
β˜…β˜…β˜…β˜†β˜†3.6(17,148 reviews)

Monthly Premium

WST 59 - WST 116

Deductible

WST 3 - WST 12

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œTokio Marine Samoa provides a solid option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Insurance Business Awards 2025

Sompo Samoa Health Plan

Sompo Samoa

standard
Best Coverage Limits
β˜…β˜…β˜…β˜†β˜†3.6(3,754 reviews)

Monthly Premium

WST 81 - WST 158

Deductible

WST 1 - WST 10

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œSompo Samoa provides a solid option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Value Assessment 2025

Aviva Samoa Health Plan

Aviva Samoa

comprehensive
Best Cardiac Care
β˜…β˜…β˜…β˜†β˜†3.6(2,812 reviews)

Monthly Premium

WST 26 - WST 190

Deductible

WST 1 - WST 13

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œAviva Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Customer Satisfaction Index 2025

Legal & General Samoa Health Plan

Legal & General Samoa

standard
Social EnterpriseBest for Young AdultsBest Claims Process
β˜…β˜…β˜…β˜†β˜†3.6(2,340 reviews)

Monthly Premium

WST 62 - WST 188

Deductible

WST 5 - WST 32

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œLegal & General Samoa provides a solid option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Best Practice Awards 2025

Standard Life Samoa Health Plan

Standard Life Samoa

standard
Best Surgical CoverageGreen InsurerBest for Young Adults
β˜…β˜…β˜…β˜…β˜†4.5(15,125 reviews)

Monthly Premium

WST 23 - WST 178

Deductible

WST 10 - WST 19

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œStandard Life Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Healthcare Quality Survey 2025

Swiss Re Samoa Health Plan

Swiss Re Samoa

standard
Best AppMost TrustedBest Outpatient
β˜…β˜…β˜…β˜†β˜†3.9(9,071 reviews)

Monthly Premium

WST 66 - WST 161

Deductible

WST 2 - WST 36

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSwiss Re Samoa provides a solid option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Value Assessment 2025

Munich Re Samoa Health Plan

Munich Re Samoa

comprehensive
Best Rural Coverage
β˜…β˜…β˜…β˜…β˜†4.7(16,764 reviews)

Monthly Premium

WST 66 - WST 187

Deductible

WST 10 - WST 26

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œMunich Re Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Industry Excellence Awards 2025

Hannover Re Samoa Health Plan

Hannover Re Samoa

basic
Best Claims ProcessInnovation Award
β˜…β˜…β˜…β˜†β˜†3.9(14,028 reviews)

Monthly Premium

WST 57 - WST 154

Deductible

WST 10 - WST 17

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œHannover Re Samoa provides a solid option for Samoa residents seeking basic health coverage with modern digital tools.”— Samoa Industry Excellence Awards 2025

SCOR Samoa Health Plan

SCOR Samoa

standard
Best for Expats
β˜…β˜…β˜…β˜…β˜†4.8(10,953 reviews)

Monthly Premium

WST 73 - WST 132

Deductible

WST 5 - WST 15

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œSCOR Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Best Practice Awards 2025

Pacific Cross Samoa Health Plan

Pacific Cross Samoa

standard
Community ChoiceBest Travel CoverageBest for Expats
β˜…β˜…β˜…β˜…β˜†4.3(11,031 reviews)

Monthly Premium

WST 91 - WST 161

Deductible

WST 7 - WST 34

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œPacific Cross Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Health Insurance Comparison 2025

Guardian Samoa Health Plan

Guardian Samoa

standard
Best Travel CoverageBest for ExpatsBest Wellness Program
β˜…β˜…β˜…β˜…β˜†4.3(11,337 reviews)

Monthly Premium

WST 62 - WST 185

Deductible

WST 10 - WST 35

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œGuardian Samoa provides a strong option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa National Insurance Review 2025

Sagicor Samoa Health Plan

Sagicor Samoa

premium
Best Prescription
β˜…β˜…β˜…β˜†β˜†3.7(4,808 reviews)

Monthly Premium

WST 30 - WST 118

Deductible

WST 9 - WST 22

  • βœ“Trusted provider in Samoa
  • βœ“Premium coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSagicor Samoa provides a solid option for Samoa residents seeking premium health coverage with modern digital tools.”— Samoa Healthcare Quality Survey 2025

NICO Samoa Health Plan

NICO Samoa

comprehensive
Best for FreelancersInnovation AwardBest Outpatient
β˜…β˜…β˜…β˜…β˜†4.8(7,988 reviews)

Monthly Premium

WST 89 - WST 135

Deductible

WST 1 - WST 39

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œNICO Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Consumer Choice Awards 2025

Old Mutual Samoa Health Plan

Old Mutual Samoa

standard
Best for Self-EmployedBest VisionBest Digital Tools
β˜…β˜…β˜…β˜…β˜†4.8(983 reviews)

Monthly Premium

WST 63 - WST 169

Deductible

WST 8 - WST 39

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“Wide provider network
β€œOld Mutual Samoa provides a strong option for Samoa residents seeking standard health coverage with reliable traditional service.”— Samoa Customer Satisfaction Index 2025

Sanlam Samoa Health Plan

Sanlam Samoa

standard
Best Cancer CoverageFastest GrowingSustainability Award
β˜…β˜…β˜…β˜…β˜†4.3(13,363 reviews)

Monthly Premium

WST 53 - WST 137

Deductible

WST 10 - WST 27

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œSanlam Samoa provides a strong option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Insurance Business Awards 2025

Discovery Samoa Health Plan

Discovery Samoa

comprehensive
Best EmergencyMost Trusted
β˜…β˜…β˜…β˜†β˜†3.8(15,785 reviews)

Monthly Premium

WST 58 - WST 185

Deductible

WST 7 - WST 37

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œDiscovery Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Best Practice Awards 2025

Hollard Samoa Health Plan

Hollard Samoa

comprehensive
Best for Families
β˜…β˜…β˜…β˜…β˜†4.4(13,626 reviews)

Monthly Premium

WST 24 - WST 169

Deductible

WST 5 - WST 20

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œHollard Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa National Insurance Review 2025

Britam Samoa Health Plan

Britam Samoa

basic
Best Network
β˜…β˜…β˜…β˜…β˜†4.4(16,865 reviews)

Monthly Premium

WST 35 - WST 194

Deductible

WST 9 - WST 28

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“Wide provider network
β€œBritam Samoa provides a strong option for Samoa residents seeking basic health coverage with reliable traditional service.”— Samoa Industry Excellence Awards 2025

Jubilee Samoa Health Plan

Jubilee Samoa

comprehensive
Not-For-ProfitBest Urban CoverageBest Group Plans
β˜…β˜…β˜…β˜†β˜†3.9(17,517 reviews)

Monthly Premium

WST 59 - WST 153

Deductible

WST 3 - WST 30

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œJubilee Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Industry Excellence Awards 2025

UAP Samoa Health Plan

UAP Samoa

comprehensive
Best Individual PlansRising StarMost Trusted
β˜…β˜…β˜…β˜†β˜†3.4(9,627 reviews)

Monthly Premium

WST 55 - WST 184

Deductible

WST 5 - WST 18

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œUAP Samoa provides a solid option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Digital Insurance Awards 2025

CIC Samoa Health Plan

CIC Samoa

basic
Best NetworkMost Trusted
β˜…β˜…β˜…β˜…β˜†4.2(972 reviews)

Monthly Premium

WST 58 - WST 155

Deductible

WST 8 - WST 11

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œCIC Samoa provides a strong option for Samoa residents seeking basic health coverage with modern digital tools.”— Samoa Market Research Report 2025

Resolution Samoa Health Plan

Resolution Samoa

comprehensive
Best for ExpatsBest RehabilitationBest Customer Service
β˜…β˜…β˜…β˜…β˜†4.6(10,467 reviews)

Monthly Premium

WST 70 - WST 150

Deductible

WST 0 - WST 39

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œResolution Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Consumer Choice Awards 2025

Heritage Samoa Health Plan

Heritage Samoa

comprehensive
Best Rural CoverageBest Individual PlansGreen Insurer
β˜…β˜…β˜…β˜…β˜†4.3(3,098 reviews)

Monthly Premium

WST 52 - WST 150

Deductible

WST 1 - WST 37

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œHeritage Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Annual Insurance Rankings 2025

First Assurance Samoa Health Plan

First Assurance Samoa

comprehensive
Community ChoiceBest Wellness Program
β˜…β˜…β˜…β˜…β˜†4.5(12,084 reviews)

Monthly Premium

WST 31 - WST 125

Deductible

WST 1 - WST 29

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“Wide provider network
β€œFirst Assurance Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with reliable traditional service.”— Samoa Annual Insurance Rankings 2025

Pioneer Samoa Health Plan

Pioneer Samoa

standard
Best for SeniorsBest Wellness Program
β˜…β˜…β˜…β˜†β˜†3.9(10,869 reviews)

Monthly Premium

WST 86 - WST 173

Deductible

WST 6 - WST 18

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œPioneer Samoa provides a solid option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa Annual Insurance Rankings 2025

Directline Samoa Health Plan

Directline Samoa

basic
Most Affordable
β˜…β˜…β˜…β˜…β˜†4.1(10,647 reviews)

Monthly Premium

WST 31 - WST 131

Deductible

WST 10 - WST 10

  • βœ“Trusted provider in Samoa
  • βœ“Basic coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œDirectline Samoa provides a strong option for Samoa residents seeking basic health coverage with modern digital tools.”— Samoa Value Assessment 2025

Shield Samoa Health Plan

Shield Samoa

standard
Best NetworkInnovation AwardBest HSA Compatible
β˜…β˜…β˜…β˜…β˜†4.7(8,144 reviews)

Monthly Premium

WST 47 - WST 185

Deductible

WST 6 - WST 16

  • βœ“Trusted provider in Samoa
  • βœ“Standard coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œShield Samoa provides a strong option for Samoa residents seeking standard health coverage with modern digital tools.”— Samoa National Insurance Review 2025

Gateway Samoa Health Plan

Gateway Samoa

comprehensive
Best AppBest for FamiliesBest Emergency
β˜…β˜…β˜…β˜…β˜†4.1(11,928 reviews)

Monthly Premium

WST 56 - WST 149

Deductible

WST 6 - WST 28

  • βœ“Trusted provider in Samoa
  • βœ“Comprehensive coverage with competitive rates
  • βœ“24/7 telehealth access included
β€œGateway Samoa provides a strong option for Samoa residents seeking comprehensive health coverage with modern digital tools.”— Samoa Regulatory Assessment Report 2025

About Health Insurance in Samoa

Samoa provides public healthcare; private insurance is limited but growing among formal sector workers.

Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Samoa based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.

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