International Health Plans

Global (Annual) Medical Insurance

If you plan to live or reside abroad for an extended length of time, you will want to make sure you invest in a high quality international health insurance plan for the period you are abroad, outside of your home country, in case something happens and you need to seek medical treatment. For most countries around the world, it may also be a requirement of your visa (if you need one) to show proof of adequate international health insurance coverage. These plans are ideal for Expatriates, Global Nomads or International Citizens who are abroad for the majority of each year.

Our recommended International Medical Plans:
Cigna GlobalLearn More  |  Free Quote / Apply - High Quality Plan, Best for Families and Seniors
IMG Global MedicalLearn More  |  Free Quote / Apply - Affordable / Best for Younger Clients

Global Medical Plan Benefits

International Health Insurance or Global Medical Plans offer comprehensive medical coverage for those living outside of their home country for a year or longer.  The best plans offer:

  • Freedom to choose any hospital, clinic or doctor
  • 24 Hour Emergency Assistance and Medical Helpline
  • Emergency Evacuation, Repatriation, Hospitalization
  • In most cases, Home Country coverage is included
  • Choice of GBP, Euro and USD currencies for payment

Additional Benefits and Options

Plans may offer additional benefits such as dental, vision, maternity, prescription drugs and other coverage options. Some of these are included in the base plan. Other times they are optional add ons that come with an additional premium. For example, Cigna allows you to pick and choose various options (Wellness, Dental and Vision, etc) and benefits to design a plan that meets your specific needs.

How Much do Global Medical Plans Cost

International Health Insurance eligibility and premiums are based primarily on a policyholders age, current medical history and area of coverage (typically not on an individual’s claims history) as well as the deductible and maximum coverage selected. Plans will normally offer two areas of cover; Worldwide or Worldwide excluding the USA, sometimes excluded countries also include Canada, Hong Kong and other more expensive countries for medical care. If you choose coverage that includes the US it will typically be more expensive. The reason for this is that medical care in the USA is the most expensive in the world.  At times, international medical insurance providers (i.e. GeoBlue and Cigna) will rank countries by medical costs and have premiums adjusted accordingly.

International Insurance Plan Exclusions

All plans, domestic or international, will provide a list of exclusions for specific risks that they can not insure, including:

  • Acts of War.
  • Hostilities, Military Actions, Terrorist Acts, and Other Civil Commotions, whether war has been declared or not.
  • Nuclear Explosions and resulting nuclear fallout.

Many providers have their own specific exclusions in addition to those above. These additional exclusions can be broad or narrow depending on the type of policy or the company that has issued the insurance. Be sure to review a plan’s exclusions as specified in the policy schedule.

Our recommended International Medical Plans:
Cigna GlobalLearn More  |  Free Quote / Apply - High Quality Plan, Best for Families and Seniors
IMG Global MedicalLearn More  |  Free Quote / Apply - Affordable / Best for Younger Clients

Written by Joe Cronin. Follow Joe @JoeCronin_

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