Best International, Global (Annually Renewable) Health Insurance Plans
When living abroad for an extended period (1 year or more), make sure you have the best health coverage possible to insure you and your family should you need medical care. Below you can review and compare global 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.
International Health Insurance Plan Comparisons
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| Plan Name | IMG Global Medical Insurance | Cigna Global Health Options | GeoBlue Xplorer Health Plans |
| Review / Best For | Affordable coverage. Good option for budget-conscious individuals or local nationals looking for private medical insurance. | High-quality coverage. Best for expats, families or individuals living abroad for one or more years. Flexible plan design to lower costs. | Premium level coverage. Great for U.S. citizens living abroad. Reduced costs if you maintain a U.S. health plan. |
| Plan Options | Bronze, Silver, Gold, Gold Plus and Platinum | Silver, Gold, and Platinum with optional modules | Xplorer Essential, Select and Premier |
| Policy Maximum | $1,000,000 – $8,000,000 lifetime per individual | $1,000,000, $2,000,000 (per year) or Unlimited | Unlimited |
| Deductible | Multiple options from $100 – $25,000 | Multiple Options from $0 – $10,000; outpatient visits subject to separate deductible if elected, no deductible for preventative services | Multiple Options from $0 – $5,000; deductible waived for preventative care, office visits, evacuation, and prescriptions |
| Eligibility | All nationalities up to age 74 | All nationalities, all ages | U.S. citizens up to age 74 |
| Renewable | Annually renewable to age 75 (eligible to apply up to age 64) | Lifetime renewable | Annually renewable to age 84 (eligible to apply up to age 74) |
| Coverage Area | Worldwide or Worldwide excluding USA, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan | Worldwide or Worldwide excluding the U.S. | Worldwide or Worldwide excluding the U.S. |
| Home Country Coverage | U.S. citizens up to 6 months; all others 12 months per 12-month policy period | Up to 6 months per 12-month policy period | U.S. citizens up to 9 months per 12-month policy period |
| Pre-Existing Conditions | Pending results of underwriting; Platinum immediately, other plans (excluding Bronze) after 24 months | 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) |
| Administrator | International Medical Group | Cigna | GeoBlue |
| Underwriter | Sirius International | Cigna | 4 Ever Life International |
| Rating | A (A.M. Best) | A (A.M. Best) | A- (A.M. Best) |
| Learn More | View Plan Get Quote | View Plan Get Quote | View Plan Get Quote |
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 Medical and Trip Insurance plans. You can contact us anytime.
You may also want to review our Expatriate Health Insurance Plans or Group International Health Plans.
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.
