Expat Health Insurance Plans

Expat health insurance provides temporary medical coverage for expatriates living abroad. Individuals living overseas may need an expatriate medical insurance plan for a variety of reasons: they are not covered under their companys group health insurance program, the local healthcare system is confusing or does not meet their quality standards, or their home country requires expats to purchase international private medical insurance. Whatever the reason, expat health insurance is an excellent option designed to fit the needs of anyone living abroad.

Expatriate insurance plans provide worldwide coverage and are available for both US and non-US citizens living away from their home country, whether they are traveling to one or multiple countries. Policies typically include essential medical services such as preventative care, emergency services, surgical treatment, emergency dental, and more; however, benefits vary depending on the plan.

The expatriate medical insurance policies listed below are suitable for most individuals living abroad but may vary in terms of eligibility requirements and benefits, so be sure to read the policy details before purchasing a plan

GBE GeoBlue Expat Insurance

Underwriters: 4 Ever Life Insurance Company
  • All U.S. citizens and U.S. permanent residents under the age of 75 years
  • An employee of a U.S. company where company pays the insurance premium
  • An Eligible Dependent such as spouse, natural child or adopted child
Plan Highlights:
  • Unlimited lifetime policy maximum
  • Pays 100% outside the US and 80% in-network inside the US
  • Covers up to $250,000 for emergency medical evacuation
  • Covers up to $50,000 for accidental death and dismemberment (AD&D)
  • Covers up to $500 for prescription drugs
  • Covers up to $5,000 for hospice
Optional Benefits:
  • Covers 100% of prescription drug charges with optional rider

GM IMG Global Medical Insurance

Underwriters: Sirius International
  • Expats between the age of 14 days and 74 years
Plan Highlights:
  • Policy maximum up to $8,000,000
  • Covers up to $2,000,000 for transplants
  • Covers up to $250,000 for newborn care (first 31 days) and $50,000 for maternity
  • Covers up to $50,000 for mental care after 12 months of continuous coverage
  • Covers up to $8,000,000 for emergency evacuation
  • Covers up to $50,000 for return of mortal remains
  • Covers vision exams up to $100 and vision materials up to $150 per 24 months
Optional Benefits:
  • Global Term Life Insurance
  • Global Daily Indemnity
  • Maternity (Silver, Gold & Gold Plus options)
  • Terrorism (Platinum option)
  • Sports (Gold Plus & Platinum option)
  • Dental & Vision (Silver, Gold & Gold Plus options)

CIM Cigna International Medical Insurance

Underwriters: Cigna Global Health Benefits
  • Perfect for individuals, families, expatriates and international workers
Plan Highlights:
  • Policy maximum up to $3,000,000
  • Covers up to $3,000,000 for transplant services
  • Covers up to $3,000,000 for advanced medical imaging (MRI, CT & PET scans)
  • Covers up to $3,000,000 for cancer treatment
  • Covers up to $3,000,000 for psychiatric treatment
  • Covers up to $14,000 for routine maternity care
  • Covers up to $156,000 for newborn care
Optional Benefits:
  • International Outpatient
  • International Medical Evacuation
  • International Health and Wellbeing
  • International Vision & Dental