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Home > How to Compare International Insurance Plans > Compare and Review Health Insurance Plans

Compare Medical Insurance Plans

Review and Compare Options

A Review of the Best International Insurance PlansWhen living abroad for an extended period (1 year or more), make sure you have the best health coverage possible to ensure you and your family should you need medical care. Below you can review and compare international health insurance plans. The companies compared below offer comprehensive worldwide annually renewable health insurance tailored to the needs of expatriates, global nomads or international citizens. We have selected highly rated insurers with excellent customer service, 24/7 emergency assistance and the most extensive network of doctors and healthcare facilities. We offer three plans; each provides essential as well as more comprehensive options with additional benefits and coverage options. Compare for yourself and then give us a call - our experienced staff of insurance experts can then answer any questions that remain and walk you through the process of applying. Need help deciding? Request a quote from our team for free personalized assistance.

Medical Insurance Plan Comparisons

Download a Printable Version

Compare Plans Collapse
Compare Cigna to Aetna international and GeoBlueCompare GeoBlue Xplorer to Aetna and CignaCompare Aetna International to Cigna and GeoBlueIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Best Known For
High-quality, affordable coverage. Best for expats, families, or individuals living abroad for one or more years. Most Popular Option.Premium level coverage. Great for U.S. citizens living abroad or internationals residing in the U.S.Flexible Coverage. Comprehensive benefits and flexible plan design for internationals looking for private medical insurance.Affordable coverage. Good option for all citizenships and budget-conscious individuals.
Plan Levels
Cigna Global Health Options (Silver, Gold, and Platinum with add-on modules)GeoBlue Xplorer Health Plans (Essential, Select and Premier)Aetna MHP and Pioneer PlansIMG Global Medical Insurance (Bronze, Silver, Gold, and Platinum)
Plan Cost
$$$$$$$$
Policy Maximum
$1,000,000, $2,000,000 (per year) or Unlimited Unlimited$4,000,000 (MHP) or $1,750,000 - $5,000,000 (Pioneer)$1,000,000 – $8,000,000 lifetime per individual
Deductible
$0 – $10,000; outpatient visits subject to a separate deductible if elected, no deductible for preventative services$0 – $5,000; deductible waived for preventative care, office visits, evacuation, and prescriptions$0 – $10,000 Multiple options from $100 – $25,000
Who is Eligible
All nationalities, all agesU.S. citizens up to age 74MHP: citizens of the Americas up to age 64, Pioneer: other citizens up to age 79All nationalities up to age 74
Coverage Area
Worldwide or Worldwide excluding the U.S.Worldwide or Worldwide excluding the U.S.Worldwide, Not available to residents of select countries. Worldwide or Worldwide excluding U.S., Canada, China, Hong Kong, Japan, Macau, Singapore & Taiwan
Home Country Coverage
Up to 6 months per 12-month policy periodU.S. citizens up to 9 months per 12-month period; All other citizenships 12 months per 12-month policy periodLimited by country of citizenship U.S. citizens up to 6 months; all others 12 months per 12-month policy period
Pre-Existing Conditions
Pending results of underwriting; No waiting period if approved without exclusion, specific exclusions may be added to your plan Pending results of underwriting; 6-month waiting period (waived if there is prior creditable health coverage)Pending results of underwriting; Possible inclusion after 2 yearsPending results of underwriting; Platinum immediately, other plans (excluding Bronze) after 24 months
Doctor and Hospital Network
Inside the U.S.: Cigna Network. Outside the U.S.: Direct billing options available, no out of network penaltyInside the U.S.: Blue Cross Blue Shield Network. Outside the U.S.: Direct billing options available, no out of network penalty Aetna offers a global network of leading hospitals and doctors around the worldInside the U.S.: FirstHealth or UnitedHealthCare Network Outside the U.S.: Expansive network
Hospitalization and Cancer Benefits Expand
Compare Cigna to GeoBlue, Aetna International and IMGReview of GeoBlueCompare Cigna to GeoBlue, Aetna International and IMGIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Hospitalization/ER
Semi-private or private rooms, depending on plan IncludedIncluded, Private room outside of the U.S., Semi-private in the U.S.Semi-private or private rooms, depending on plan
Intensive Care
IncludedIncludedIncludedIncluded
Cancer Care
IncludedIncludedIncludedIncluded
Preventative Care and Office Visits Expand
CignaGeoBlueCompare Cigna to Aetna International, GeoBlue, IMGIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Doctor Visits/GP Visits
Included; subject to deductible if elected, no waiting periodsIncluded; deductible waived, no waiting periodsIncluded; subject to deductible, no waiting periodsIncluded; subject to deductible, no waiting periods
Prescription Medication
Inpatient: Included
Outpatient: $500, $2,000, or Paid in Full
Inpatient: Included. Outpatient: $1000, upgrade available up to $25,000 (including contraceptives and maintenance meds)Inpatient: Included
Outpatient: coverage varies by plan level
Inpatient: Included Outpatient: coverage varies by plan level
Wellness Checkups
Included with health and wellness module (routine health checks, vaccinations, etc.), not subject to deductible, no waiting periodsIncluded (routine health checks, vaccinations, etc.), deductible waived, no waiting periods IncludedIncluded in Silver plan and above after 6-12 month waiting period; Child wellness only on Silver
Mental Health
100% paid for Platinum, $10,000 for Gold, $5,000 for Silver Included IncludedSilver plan and above included after 12 month waiting period
Medical Evacuation and Repatriation Expand
CignaGeoBlueCompare Aetna International to Cigna and GeoBlueIMG Global Medical FAQs
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Emergency Evacuation
Paid in FullUp to $250,000Included with limitations by planIncluded with limitations by plan
Repatriation
Paid in fullUp to $25,000Included with limitations by planIncluded with limitations by plan
Maternity Expand
CignaGeoBlueCompare Aetna International to Cigna and GeoBlueIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Maternity/Pregnancy
12 month wait for Gold and Platinum plans (up to $7,000 for Gold and up to $14,000 for Platinum)Immediate with Select plan, 364 day wait for maternity upgrade, covered in full afterIncluded, 10-12 month wait period depending on plan Included in Platinum plan after 10 month waiting period ($2500 additional deductible and $50,000 maximum lifetime benefits)
Vision and Dental Expand
CignaGeoBlueCompare Aetna International to Cigna and GeoBlueIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Vision
Included at 100% for the Platinum plan with Vision and Dental module, limits on other plansAdd-on available for select plan optionsIncluded; subject to deductible, no waiting periodsIncluded in the Platinum plan; Optional on other plans
Dental
Accidental included; Comprehensive dental plans available, ranging from $1,250- $5,500 in preventive, basic and major services annuallyAccidental included, $1,000 per year, $200 per tooth, Dental add-on available for select plan optionsIncluded, benefits vary by planIncluded in the Platinum plan; Emergency included on all other plans, non-emergency optional on all other plans
Insurance Company Details Expand
CignaGeoBlueCompare Aetna International to Cigna and GeoBlueIMG Global Medical FAQs
View Plan Get QuoteView Plan Get QuoteView Plan Get QuoteView Plan Get Quote
Administrator
CignaGeoBlueAetna Life & Casualty (Bermuda) Ltd. or Goodhealth Worldwide (Global) LimitedInternational Medical Group
Rating
A (A.M. Best)A- (A.M. Best)A (A.M. Best)A (A.M. Best)

Download a Printable Version of Comparison Table

For additional options, visit Best 10 International Health Insurance Companies

For an alternative global medical plan, you might consider Now Health International as they offer comprehensive coverage and a range of plans to meet your international health insurance needs.

Now Health International

Now Health WorldCare Plan‎

  • WorldCare is one of the most comprehensive, benefit-rich products in the international health insurance market today
  • Access to world-class health facilities worldwide
  • Talk to global member support 24/7/365
Plan Details | View Brochure
Plan Details
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Best Way to Compare International Health Insurance Plans

There are many different types of international health insurance plans to review. In order to find the best one to meet your needs, start by understanding the various types of benefits included in these plans. What kind of coverage do you need? Do you want a comprehensive plan that will cover everything, anywhere? Or do you need a basic plan that only covers catastrophic illnesses?

Next, identify your budget. Having a great plan does not work if you can't afford it. Request a Quote from one of our licensed agents who will provide you with two or more quotes. These quotes can be modified by removing some benefits or adding on a deductible. Some plans, like Cigna Global, offer a modular plan design which will allow you to add or remove certain benefits as needed to lower your cost.

Once you have quotes for your global medical plan on hand, you can review those quotes with your agent/broker who will advise you on the best plan forward.

Let us know if you have any specific questions about comparing International Health Insurance plans. If you are traveling for a shorter period and want less comprehensive insurance, review our Travel Insurance offerings, including Travel Medical and Trip Cancellation plans. You can contact us anytime.

You may also want to review our Expat Insurance Plans or Group International Medical Plans.

For additional options, visit Best 10 International Medical Insurance Companies

This comparison of the best global insurance plans contains a summary description of all plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in your fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the "look back" period if the policy does not meet your needs. Contact us for help, guidance and to apply. Also, read about international health from the Dept. of State.

Written by Joe Cronin. Joe Cronin is an expert in the areas of global health and international insurance, with specific expertise in advising individuals and groups on international health insurance plans. Follow Joe @Joe_Cronin_Jr

 

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Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent. International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries. This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.

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International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance Plans
      ▼
      • Best International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Insurance for Canadian Expats
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      ▼
      • Travel Medical Insurance Plans
      • Visitors Coverage
      • Best Travel Insurance Companies
      • Trip Cancellation Insurance
      • Evacuation Insurance Plans
      • Student Insurance
    • International Life Insurance
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
  • Insurance Companies
    ▼
    • Aetna International
    • Cigna Global Insurance Company
    • GeoBlue
    • International Medical Group
    • Now Health
    • Seven Corners
    • Tokio Marine HCC
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Senior Travel Insurance

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