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 U.S. and non-U.S. 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
Eligibility
  • 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
Best Suitable for:

Expatriates who will be working or living outside of the U.S. This plan also offers good coverage for maternity.

Plan Information
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GM

IMG Global Medical Insurance

Underwriters: Sirius Specialty Insurance Corporation
Eligibility
  • Expats between the age of 14 days and 74 years
  • Chinese citizens with Chinese residence are not eligible
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)
Plan Options & Best Suitable for:
  • IMG Global Medical Insurance Bronze: This plan is best suited for someone who is relatively young, in good physical and mental health.
  • IMG Global Medical Insurance Silver: This will be a good plan for companies to buy for their employees who need coverage internationally.
  • IMG Global Medical Insurance Gold: This plan is best for those who want coverage for pre-existing conditions and may have children. The policy also offers coverage for scuba diving.
  • IMG Global Medical Insurance Gold Plus: This plan is great for someone who knows that they will want long-term coverage for more than 3 years.
  • IMG Global Medical Insurance Platinum: This is a good plan for people who are going to start a family since it offers coverage for maternity and newborn care.
Plan Information
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CIM

Cigna International Medical Insurance

Underwriters: Cigna Global Health Benefits
Eligibility
  • Perfect for individuals, families, expatriates and international workers
  • Copy of either passport, national identity card or drivers license is required with the application
  • Proof of address (utility bill, bank statements, etc) issued 3 months prior to applying for coverage is required with the application
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