1-866-384-9104Expat 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
- 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
- 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.
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Cancellation & Refund
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
- Policy maximum from $1,000,000 up to $8,000,000
- Coverage for adult and child preventative care (Silver, Gold and Platinum)
- Up to $50,000 in coverage for maternity (Platinum only)
- Coverage for emergency evacuation
- From $10,000 up to $50,000 in coverage for return of mortal remains
- Coverage for pre-travel vaccinations
- Global Term Life Insurance
- Sports (Gold & Platinum options)
- Dental & Vision (Bronze, Silver & Gold options)
- Terrorism (Platinum option)
Plan Benefit Package Details:
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- IMG Global Medical Insurance Bronze: This plan provides basic coverage and is best suited for someone who is in good physical and mental health.
- IMG Global Medical Insurance Silver: This plan will provide slightly higher coverage limits and benefits than than the basic bronze package.
- IMG Global Medical Insurance Gold: Provides additional coverage such as adult and child preventative care and limited pre-existing condition coverage. (See policy details for more information)
- IMG Global Medical Insurance Platinum: Provides the most coverage of any package, including maternity, vision & dental. This plan is ideal for families.
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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.
- 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
- Additional dental coverage (class I, class II, class III)
Plan Options:
Best Suitable for:
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- 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.
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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
- 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
- Coverage for amateur (unpaid) sports up to $200,000 lifetime maximum
Plan Options:
Best Suitable for:
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- 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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CIM Cigna International Medical Insurance
Underwriters: Cigna Global Health Benefits
Eligibility
- Perfect for individuals, families, expatriates and international workers
- 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
- International Outpatient
- International Medical Evacuation
- International Health and Wellbeing
- International Vision & Dental
