Review and Compare Options
When 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
|View Plan Get Quote||View Plan Get Quote||View Plan Get Quote||View 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.|
|Cigna Global Health Options (Silver, Gold, and Platinum with add-on modules)||GeoBlue Xplorer Health Plans (Essential, Select and Premier)||Aetna MHP and Pioneer Plans||IMG Global Medical Insurance (Bronze, Silver, Gold, and Platinum)|
|$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|
|$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 ages||U.S. citizens up to age 74||MHP: citizens of the Americas up to age 64, Pioneer: other citizens up to age 79||All nationalities up to age 74|
|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 period||U.S. citizens up to 9 months per 12-month period; All other citizenships 12 months per 12-month policy period||Limited by country of citizenship||U.S. citizens up to 6 months; all others 12 months per 12-month policy period|
|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 years||Pending 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 penalty||Inside 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 world||Inside the U.S.: FirstHealth or UnitedHealthCare Network Outside the U.S.: Expansive network|
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.
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.
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