Expat Health Insurance: FAQs

Q. What is Expat Insurance?

Expat insurance, also known as Global Medical Insurance, is an international health insurance plan designed for expatriates and other individuals living or working abroad. Expat health insurance plans cover inside and outside the individuals' home country.

Q. Is expat insurance the same as travel insurance?

Expat insurance is not the same as travel medical insurance. Travel medical insurance only covers unexpected travel related medical incidents that occur while traveling abroad. Expat insurance provides worldwide coverage that includes preventative care, maternity care, and other benefits that may not be covered by travel medical insurance. Expat plans can be purchased for long periods of time, while travel medical insurance plans are only for a limited period of time.

Q. What is the purpose of Global Medical Insurance?

Global Medical Insurance provides expats with both routine and emergency healthcare; features great plan and treatment flexibility to cater to each individuals specific medical needs while they are residing outside of their home countries for extended periods of time. Global medical insurance plans cover inside and outside of the individuals home country.

Q. Why do I need expat health insurance?

While living abroad, you may not be covered by your domestic insurance plan, putting you at risk of paying for expensive healthcare if you require any medical attention. If you are living or working outside your home country, expat health insurance provides medical coverage for your new country and trips to your home country, as well as trips to any other country you may be traveling. One plan provides worldwide coverage.

Q. What does expat insurance cover?

Expat insurance covers essential medical services, including but not limited to preventative care, surgery, maternity care, prescription drugs, medical evacuation, home health care or hospice, chiropractic services, and acupuncture, among other benefits.

Q. How big does your employer have to be in order to buy insurance for its employees?

Small to large businesses are eligible to purchase global medical insurance.

Q. What is the benefit for a company to buy global medical insurance instead of domestic insurance?

In most cases the domestic health insurance plans don't cover people who are traveling abroad. If a company buys global medical insurance for its employees they can enjoy the benefit of being covered outside their home country as well as in their home country.

Q. Do these global medical policies offer benefit management for employers and companies?

Yes, some insurance (seven corners) providers provide benefit management and health care administration to corporate employers.

Q. Who can purchase an expat health insurance plan?

Expat insurance is available for expatriates below the age of 75 who are US or non-US citizens.

Q. If I am traveling to multiple countries, does expat insurance cover me worldwide?

Yes, expat health insurance gives you access to quality healthcare all over the world inside and outside of the U.S., although certain plans may exclude U.S. coverage.

Q. Does expat insurance cover pre-existing conditions?

Depending on the policy, pre-existing conditions may be covered, but certain conditions may apply. Flexible underwriting options may be available to extend coverage to pre-existing conditions not otherwise covered.

Q. How do I know which plan is best for me?

Global Medical Insurance policies generally have very flexible and customizable benefit options allowing you to tailor your plan to fit your specific medical needs.

Q. How do I enroll?

Enrollment is usually through the completion of a quick application. Upon approval, you will receive a confirmation email with your policy ID card attached. It is important to note however, that each provider may have varying processes in regards to enrollment so it is important to read the policy documents in detail before purchasing a plan.

Q. Can I renew my policy?

Yes, expat health insurance plans are renewable, but may not be automatically renewed. Plans typically send you a notice including renewal information prior to the end of each coverage period. As long as you continue to meet the eligibility requirements, you can renew your policy.

Q. Are my spouse and children covered under my expat health insurance policy?

Yes, you may include your spouse and dependents on one application. Dependents over a certain age may be required to complete a separate application.

Q. The hospital charged the insurance company directly. Do I still need to send a claim form?

Yes. This would make the claims process faster.