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
|Plan Name||Aetna MHP and Pioneer Plans||Cigna Global Health Options||GeoBlue Xplorer Health Plans|
|Review / Best For||Flexible coverage. Comprehensive benefits and flexible plan design for internationals looking for private medical insurance.||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 USA. Reduced costs if you maintain a U.S. health plan.|
|Plan Options||MHP and Pioneer Plans||Silver, Gold, and Platinum with optional modules||Xplorer Essential, Select and Premier|
|Policy Maximum||$4,000,000 (MHP) or $1,750,000 - $5,000,000 (Pioneer)||$1,000,000, $2,000,000 (per year) or Unlimited||Unlimited|
|Deductible||Multiple options from $0 – $10,000||Multiple Options from $0 – $10,000; outpatient visits subject to a 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||MHP is for Citizens of the Americas, Pioneer is for All Other Citizens. Up to age 64 (MHP) and 79 (Pioneer)||All nationalities, all ages||U.S. citizens up to age 74|
|Renewable||Annually renewable for life||Lifetime renewable||Annually renewable to age 84 (eligible to apply up to age 74)|
|Coverage Area||Worldwide, Not available to residents of select countries.||Worldwide or Worldwide excluding the U.S.||Worldwide or Worldwide excluding the U.S.|
|Home Country Coverage||Limited by country of citizenship||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; Pre-existing conditions excluded can be reviewed after 2 years||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||Aetna Life & Casualty (Bermuda) Ltd. or Goodhealth Worldwide (Global) Limited||Cigna||GeoBlue|
|Underwriter||Aetna Life & Casualty (Bermuda) Ltd.||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|
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 Medical and Travel Insurance 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