Expat Health Insurance: FAQs

What is expat insurance?

Expat insurance is an international health insurance plan designed for expatriates and other individuals living or working abroad. Expat health insurance plans provide coverage for inside and outside the insured person's home country.

What's the difference between expat health insurance and global medical insurance?

There's no difference. These terms are used interchangeably to describe the same thing: insurance designed for expats and others living and working abroad.

Does expat insurance cover remote workers and digital nomads?

If you're fully employed and working remotely, expat insurance can cover you during extended stays in foreign countries. Some countries may have specific requirements for remote workers and digital nomads. Insurance companies may also have certain eligibility restrictions and conditions.

Is expat insurance the same as travel insurance?

Expat insurance isn't the same as travel medical insurance. Expat insurance provides worldwide coverage that includes preventative care, maternity care, and other benefits not typically covered by travel insurance. Unlike travel insurance, expat insurance can be purchased for longer stays.

What is the purpose of expat health insurance?

Expat health insurance or global medical insurance offers expats both routine and emergency healthcare and flexible options designed to meet expats' unique needs. Also, expat health plans offer coverage both inside and outside your home country.

Why do I need expat health insurance?

Your domestic health insurance won't usually cover you outside your home country. This puts you at risk of paying out of pocket for expensive healthcare. Expat insurance offers coverage for your new country, international trips and return trips to your home country.

What does expat health insurance cover?

Expat insurance covers essential medical services, including preventative care, maternity care, prescription drugs, medical evacuation, home healthcare and hospice.

How large does an employer have to be to offer employees expat health insurance?

Businesses of any size can purchase expat health insurance.

Should employers buy expat health insurance for their employees?

In most cases, the domestic health insurance plans don't cover people who are traveling abroad. If a company buys expat health insurance for its employees, they can enjoy the benefit and security of being covered both inside and outside their home country.

Do these global medical (expat health insurance) policies offer benefit management?

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

Who can purchase expat health insurance?

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

If I'm 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.

Does expat insurance cover pre-existing conditions?

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

How do I know which plan is best for me?

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

Q. How do I enroll?

Generally, you'll fill out and submit a brief application. Once your application is approved, you'll receive a confirmation email with your policy ID card attached. However, providers may have unique enrollment processes. Be sure to read the policy documents before buying expat health insurance.

Q. Can I extend my policy?

Yes, expat health insurance plans are extendable, but may not be automatically renewed. Plans typically send you a notice including extension information prior to the end of each coverage period. As long as you continue to meet the eligibility requirements, you can extend 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 insurer directly. Do I still need to send a claim form?

Yes. This would make the claims process faster.

Disclaimer

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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