Geoblue Xplorer expat medical insurance

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GeoBlue Expat insurance for US citizens and global citizens

Expatriate health insurance plans are in huge demand for both US citizens and foreign nationals travelling worldwide. Geoblue, the insurance company provides the Explorer suite of plans that are available for US citizens, permanent residents, US legal residents travelling worldwide and foreign workers in the US.
These plans are long term global plans available from age 18 up to age of 74.

Xplorer health insurance for global citizens and expatriates
Some of the features of Geoblue Explorer plans are:
  • They have unlimited coverage for annual coverage and lifetime maximum coverage.
  • They provide coverage for a maximum of 180 days and can be renewed only once.
  • Comprehensive coverage is available with worldwide benefits
  • Preventive Care services are available without any waiting period(This is very unique benefit not available with other plans)
  • Pre certification is not required for inpatient and outpatient services
  • Covers pre existing conditions with proof of prior creditable insurance
  • Deductible is waived for office visits and small copay is applied
Geo blue Explorer plans are the known for their quality and meet the highest expectations of quality. For care outside the US, members are free to go to any providers with no change in the benefits.

Difference between the Premier and Essential plans:

The Xplorer brochure shows the benefit schedule of both the plans on each side, the major difference being, the Essential plan covers outside US only and the Premier plan provides the US In network and Out of network benefits.


The eligibility conditions of the Explorer plan is very attractive to the international travelers who want to travel abroad and need a long term insurance. The Geo blue Explorer plan is designed for a long term or extended living abroad. No questions will be asked to the customer about their medical history and the premium rates do not change based on their prior claims history. The new rate for the individual will be the same as all persons covered in that rating class.

Ideal for:

  • American expatriate
  • High net-worth global lifestyle
  • International business assignee
  • Foreign worker in the U.S.
  • Employers, church and missionary organizations
  • Embassies, expatriate websites, chambers of commerce
  • Exchange programs, associations, international property managers
  • Financial consultants

Key highlights

  • Unlimited lifetime max on medical
  • 100% coverage abroad
  • Xplorer Premier plan includes U.S. coverage
  • Xplorer Essential and Xplorer Select do not include U.S. coverage.
  • Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit.

Maternity Benefits:

The Explorer plans are available for both the individuals and their dependents.
For maternity benefits, Xplorer members may apply after 364 days of continuous coverage, for a new plan that covers maternity same as all the other medical conditions.

Pre existing conditions:

If the individual has been previously covered by a US Health plan that will issue a Certificate of creditable coverage then Geo blue credits the individual for this prior coverage. The number of months of coverage shown on the Certificate will reduce the six month pre existing condition waiting period. If the creditable coverage is six or more months then the waiting period will be eliminated. If it is less than six months, then the waiting period will be reduced by the number of months the creditable coverage is available.


The Geoblue Explorer Premier plan provides a range of deductible options starting with $0 to $10,000 for outside the US, $0 to $10,000 for inside US Network providers, $1,000 to $10,000 for outside the US network.

The Geoblue Explorer Essential provides a range starting with $0 to $10,000 for only outside the US option.>

Direct Pay provision:

Geoblue members can avoid paying out of pocket using this direct pay provision. Participating providers outside the US bill the Geoblue directly through this service for the covered claim expenses and treatment.

Geoblue Xplorer Premier and Xplorer Essential Insurance plans offer comprehensive benefits and a range of deductibles that allow members to select the right amount of coverage for their benefits and needs. The out of pocket expense is calculated by adding the deductible and the co insurance maximum.

For families, the deductible and co insurance is a multiple of 2.5. After 364 days of continuous coverage, the members may re enroll in the plan that matches their existing benefits.

GeoBlue Xplorer Premier Insurance

GeoBlue Xplorer Essential Insurance

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General - FAQ's

01. Is it necessary to purchase international health insurance?

It is important to be aware that the domestic health insurance of your home country usually does not provide coverage while outside your countries borders. As a foreign citizen, an expatriate will not be eligible for local subsidized medical care. Another very important factor is the varying price of healthcare in different parts of the world.

It should be noted that the quality and price of healthcare can vary significantly even within a country. It is therefore important to have good worldwide health insurance so that you can access quality healthcare wherever you are currently residing.

02. What is the cost of international health insurance?

The cost of international health insurance varies depending on the insurance company and the plan chosen. The main factors on which the cost of insurance depends on are the age of insured, the medical maximum chosen, the deductible for the plan, the geographic region where you want coverage, the payment frequency option (monthly, quarterly or annually) as well as any add-on coverage, The fixed benefit expat insurance options (which have fixed limits for different coverage) are significantly cheaper than the comprehensive expatriate health insurance plans (which have no limits for different treatments up to the medical maximum).

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