Expat or Expatriate Health Insurance provides Long-Term, Annually Renewable Health Coverage for those who live outside of their home country.
What is it?
Annually renewable insurance is fully portable insurance that can be used in virtually any country of the world. It will give you access to the best doctors, the best care and the peace of mind you need when living abroad. All plans include either worldwide coverage, or coverage with some countries excluded in order to save money. Additionally, they offer a range of deductibles, evacuation to the nearest best facility and repatriation to your home country.
Who is it for?
These plans are designed for long term stays abroad, typically used by expats, diplomatic missions, long term placement of business people abroad or anyone spending multiple years away from their home country.
Geo Blue is the insurance plan with the most comprehensive benefits on the market. They are a leader in not only establishing a network of highly trained and skilled doctors, but also in creating mobile apps to seamlessly assist you in getting the medical care you need. GeoBlue’s premier international health insurance plan is tailored for long-term global living with worldwide, annually renewable major medical coverage in and out of the U.S. With no time limits on the US coverage, but an expectation of 6 months outside the USA. This plan is perfect for the executive and his family who reside overseas or any expat who wants the best benefits on the market. *Available to US citizens and residents
GeoBlue’s international health insurance plan, tailored for long-term global living with worldwide, annually renewable major medical coverage outside of the USA. Similar in benefits to the Premier plan, but without any coverage inside the USA. Perfect for a senior who has medicare when they are in the states or those who spend little to no time inside the USA. About ½ the cost of the premier plan and competitive with other plans on the market with similar benefits. *Available to US citizens and residents
Cigna Global Health Options specialize in providing expatriate health plans that are designed to give comprehensive overseas medical cover for people who are living and working abroad. The Core International Medical Insurance plans gives you and your family cover for essential hospital stays and treatment, cancer and psychiatric care . Maternity cover is also included in our Gold and Platinum plans. The core plans can then be supplemented with a range of optional benefits which include International Outpatient, designed to cover outpatient treatment and prescriptions. Cigna Global Health Options also offer International Medical Evacuation, International Vision & Dental and International Health & Wellbeing – optional benefits that can be added to your core plan. The Cigna plan then allows you to add only the extra benefits you need. If you are in a country where medical care is cheap, don’t add outpatient coverage, if somewhere more expensive then you can add it. This helps you keep your costs down and allows you flexibility to get only the coverage you need.
Global Medical Insurance is a long-term, annually renewable, U.S. style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world. It provides two coverage areas: Worldwide and Worldwide excluding the U.S. and Canada. These plans have an option in the platinum plan to cover pre-existing conditions, although one still has to be approved for the plan. This company has been in operation longer than any of its competitors. There are four plan options available: Bronze, Silver, Gold and Platinum.
An excellent company from the UK, administered by Insured Nomads. Great flexibility in plans with both three different coverage areas and three levels of benefits. The lowest level is like a catastrophic plan covering inpatient/ER and Cancer only. On all their plans the deductible is per incident, not per year.
Meridian Basic and Meridian Enhanced are long-term, annually renewable, U.S. style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world. It provides two coverage areas: Worldwide and Worldwide excluding the U.S. and Canada. They have excellent customer service, but not as much rate stability as some of their competitors, but often will have a lower entry point. They offer both full benefit plans, and fixed benefit plans.
Nomad Health Insurance is a long-term international health insurance plan designed for those living the global lifestyle. -No limit as to how long you can stay in your home country during the year. -Coverage is available by region with travel accident benefits when traveling outside your selected covered area. -Instantly issued, no waiting period, with an exclusion of pre-existing conditions from only the last 2 years. Select vision, dental, preventative, highest benefits possible, maternity after waiting period Primary Plus inpatient, outpatient, medevac, much more incl. annual wellness check-ups Primary Comprehensive inpatient health insurance, outpatient included only pre-post admission. Payable in Euro, US$ or GB Pound. 6% discount if paid annually vs monthly.