The quality of healthcare can vary from country to country and if medical attention is needed when you are away from your home-country for long periods of time, it is important that you are still able to receive quality medical treatment regardless of where you are. In this case, a Global health insurance policy may be a great solution for your medical insurance needs.

Global Medical Insurance, also known as Expatriate Health Insurance, is a long-term solution for individuals and their families who are living and/or working abroad for extended periods of time. These plans are designed to provide access to the best possible healthcare, wherever you are in the world. For example, lets say you reside in the sate of Florida for part of the year, but have a vacation house in Mexico that you spend 5-6 months out of the year living in. Having a global health insurance policy will provide you with flexible medical coverage while you are enjoying your extended vacation in Mexico.

Who Can Buy Global Medical Insurance?

Global health insurance policies are a great option for those who prefer private health insurance or have difficulty finding quality healthcare in the country they are temporarily living in. Most global health insurance policies offer multiple coverage options with extremely flexible benefits and policy maximums ranging from $250,000 to unlimited amounts.

Global medical insurance is perfect for any employees assigned to work internationally, and for expatriates working or living abroad by themselves or with their families. Global health insurance serves as medical coverage for individuals traveling to multiple countries who need coverage for long periods of time. Its a great idea for people who want one insurance policy that works globally. You can get a global medical insurance policy for your home country, which works similar to major medical insurance, as well as for your new home abroad. Senior Expats with dual residences who need coverage abroad can also get global medical insurance as policies are usually available for people up to the age of 99.

Businesses and companies looking for insurance solutions would benefit from purchasing health insurance for global employees. The main benefit is cost savings because these international medical insurance eliminates the need to spend on domestic plans, they can easily offer just one plan that will work anywhere. The global medical plans are similar to domestic plans in that they are Affordable Care Act (ACA) compliant.
Global Medical Plans are also good for:

  • People who live outside their home country in their vacation home
  • International travel guides
  • People who go on world tours like artists, and musicians
  • Groups of people who are traveling together on assignment

Key Benefits: Global Health Insurance

Some of the primary benefits are as follows

  • Flexible coverage that can be tailored to fit individual healthcare needs
  • Coverage for essential hospital stays and treatments
  • Maternity Coverage
  • Coverage for doctor and surgeon consultations
  • Dental coverage
  • Medical evacuation coverage
  • Possible pre-existing condition coverage

Each plan has its own benefits and may be able to offer wider variety of benefits than other plans, to suit the needs of various global travelers. In addition to the basic coverage, many policies also offer additional add-ons, allowing you to customize and design a plan that meets your specific needs.

These plans may have certain exclusions in terms of coverage, such as acts of war, hostilities, military actions, terrorist acts, nuclear explosions, and other civil commotions, with or without the declaration of war. In addition to the exclusions listed above, many providers have their own specific exclusions as well that will be outlined in detail in the descriptions of coverage in each plan brochure.
Learn more to under how they differ from Visitors Insurance or Travel Insurance Plans: Travel Medical Insurance Vs Global Medical Insurance


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.