Expatriate Health and Life Insurance

Expatriate insurance plans are portable – you can bring it with you wherever you go and have the confidence that you are covered from medical emergencies. As an expatriate, you want the freedom to move around since you will most likely be traveling to multiple countries within a year. A global policy provides continuous coverage regardless of wherever you get sick and need medical attention.

If you need coverage in your home country as well, make sure you find a provider that can provide worldwide coverage. Cigna Global and GeoBlue Xplorer great examples of top insurance providers.

An expat is anyone living outside their home country. Employees working abroad, long-term residents or retirees living overseas, students studying in another country, digital nomads who move from place to place, and international citizens are all considered expatriates.

Expat health policies, also called International Private Medical Insurance (IPMI), provide healthcare for this group of people.

When you leave your home country, you usually will not be eligible for coverage with your existing health plan. This means you have to find an international medical insurance plan to stay covered from emergencies.

The best expatriate health insurance plan is the one that can provide cover wherever you are, including your current country of residence and your home country. If you are living in France and you want to go to Spain, you do not need to apply for new coverage since you have an international healthcare policy that you can take with you anywhere you go.

A reliable global medical insurance plan will provide a cash payout should you pass away while covered. Other possible add-ons for ex-pat insurance include auto and dental coverage.

If you are interested in getting comprehensive expatriate medical insurance, request a free quote from us today.

You only want the best expatriate medical insurance available to meet your specific travel needs. We can provide more than twenty variations of expat insurance plans from the top insurers known to offer the best international health insurance plans in the market.

The coverage and benefits for international expat insurance include:

Medical Benefits in an Expat Plan

• Maximum Coverage (Per Year or Per Lifetime of the Plan)
• Wellness and Basic Medical Benefits
• Inpatient and Day Care Cover
• Emergency Treatment and Evacuation
• Includes Cancer Treatment, Oncology, MRI and CTI
• Prescription Benefits

Out-Patient Services

• Outpatient care and treatment
• Outpatient pathology, x-rays, prescribed drugs and dressings
• The ability to access our direct settlement network globally
• Optional cover available within the United States
• Increased range of excess levels available

Optional Additional Coverage

• Evacuation, Repatriation,
• Maternity benefits, which include pre and postnatal checkups
• Dental benefits, which include routine checkups, cleaning, and simple non-surgical extractions
• The ability to access our direct settlement network globally
• Optional cover available within the United States
• Mental health Services
• International Mobile App for Services on Demand

Group International Medical Plans offer similar benefits combined to cover your employees or group members.

The cost of an expatriate medical insurance can range from as little as $50 per month, for a basic plan with in-patient hospital benefits only, to more than $1,000 a month for a comprehensive medical policy covering most, if not all, of your medical expenses.

Below are a few sample costs for one of our more popular expat medical insurance policies. The prices below can be adjusted by updating deductibles or by adding or removing benefits. Feel free to ask us for advice on pricing and benefits.

Start by Requesting a Quote for Coverage

Premium and cost calculations will typically be based on your country of origin, age, medical history, and country of coverage. Expat medical insurance policies will usually offer two areas of cover: worldwide excluding the USA and worldwide coverage including the USA.

Some insurance companies have separate pricing per region and will possibly exclude areas of high risk. In determining the price of expat insurance, insurers look at both the risks associated with living in certain countries and the costs of healthcare in those areas. Most insurance providers will rank countries by the cost of medical care in those areas and will adjust premiums accordingly.

Premiums: How Much Does Expat Health Insurance Cost

Who: A 25-year-old from Canada teaching English language in Colombia.  Example: Silver plan including Emergency Medical EvacuationCost: $158.51 per month	Who: UK couple in their 30's and their 2-year-old son living and working in UAE Example: Platinum plan including Outpatient, and Health and WellbeingCost: $1,488.22 per month	Who: A Retired couple from the U.S., both 65, residing in Costa Rica. Example: Gold plan including Emergency Medical Evacuation and US CoverCost: $1,755.70 per month

You want an expatriate health insurance plan from a global provider with a large network of international hospitals and healthcare facilities. For example, Cigna Global Plan has over 1 million hospitals, doctors, and healthcare facilities within its global network.

When it comes to customer service, make sure the provider offers 24/7 access to an emergency hotline that you can call for assistance and medical advice. All of the leading expatriate medical insurance plans will have this benefit.

Always look for a plan that gives you the option to choose which benefits you need. If you feel like you do not need a comprehensive package, you should have the option to purchase a more affordable plan with limited benefits.

Whether you are willing to pay to get the highest quality of service and benefits or you have a limited budget that allows you to choose only the basics and most needed benefits, you must have the power to mix and match benefits and cost to get the right fit for your needs.

We have a great tool to review and compare international medical plans.