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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Expat Insurance FAQs
Cancellation & Refund

GM IMG Global Medical Insurance

Underwriters: Sirius International

Eligibility

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)

Plan Options & Best Suiable 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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Expat Insurance FAQs
Cancellation & Refund

SCRW Seven Corners Reside Worldwide

Underwriters: Certain Underwriters

Eligibility

Up to Age 74. If coverage begins before age 75, you may renew after turning 75, at the discretion of the underwriter
U.S. and non-U.S. citizens are eligible. Please note your stay in the U.S. cannot exceed 180 days.

Plan Highlights:

Policy Maximum up to $5,000,000 outside U.S. and Canada
Policy Maximum up to $500,000 inside U.S. and Canada
Covers up to $500,000 for organ transplants
Covers up to $5,000 for maternity after a 364-day waiting period
Covers up to $10,000 for newborn care for the first 31 days
Covers up to $10,000 for mental & nervous per policy after a 364-day waiting period
Covers up to $250,000 for emergency medical evacuation
Covers up to $25,000 for return of mortal remains
Covers up to $500 for sound and natural teeth injured in an accident

Optional Benefits:

Additional dental coverage (class I, class II, class III)

Plan Options:

Seven Corners Reside Worldwide
Seven Corners Reside Prime

Best Suitable for:

Seven Corners Reside Worldwide: is best suited for expatriates who are single and do not need coverage for children but need coverage while they are living or working abroad
Seven Corners Reside Prime: is best suited for expats who want coverage for their spouse and children while they work or live overseas.

Plan Information
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Expat Insurance FAQs

WS WEA Signature

Underwriters: Certain Underwriters

Eligibility

For individuals and families of all nationalities living outside their country of citizenship.
Free Coverage for eligible children under 10 years of age (for first two children)
Expats between ages 0 and 74

Plan Highlights:

Policy lifetime maximum up to $5,000,000
Covers up to $50,000 for maternity
Covers up to 100% for emergency medical evacuation
Covers up to $20,000 for prescription drugs
Covers up to $50,000 for return of mortal remains
Covers up to $700 for dental and $100 for eye exams
Covers up to $2,000,000 for organ transplants

Optional Benefits:

Coverage for amateur (unpaid) sports up to $200,000 lifetime maximum

Plan Options:

WEA Signature Care
WEA Signature Select
WEA Signature Elite

Best Suitable for:

WEA Signature Care: is best suited for young expats looking for coverage that includes full emergency room, surgery, and outpatient medication coverage
WEA Signature Select: this plan includes all of the benefits offered by Signature Select plus an increased lifetime maximum of up to $3,000,000, perfect for expats looking for comprehensive insurance.
WEA Signature Elite: is a great plan for expatriates who are planning a family since this plan offers 100% coverage for maternity

Plan Information
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Expat Insurance FAQs

CIM Cigna International Medical Insurance

Underwriters: Cigna Global Health Benefits

Eligibility

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

Plan Information
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Expat Insurance FAQs

Expat Medical Insurance FAQs	Expat Health Insurance
International Health Insurance	Global Medical Insurance

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.