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Expats when living outside their home country should ensure that they have proper health insurance for all family members. Expats may not qualify for medical insurance in the country of their living, and the health insurance from their home country is usually not applicable while outside the home country national borders. The quality of healthcare varies in different countries, and even within a country. You do not want to ever be in a foreign country and not have access to quality healthcare. In this context, having good Expat insurance to cover expats when they travel and live around the globe is very important. The US Expat insurance products that we offer provide excellent healthcare coverage around the globe.

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Lifetime Maximum per Insured Person
Bronze: $1 million/individual
Silver: $5 million/individual
Gold: $5 million/individual
Platinum: $8 million/individual
Unlimited
Annual Maximum per Insured Person
Unlimited Unlimited
Preventative and Primary Care
No Waiting period on wellness benefits.
  • Explorer Premier:
    • Outside U.S :- 100%
    • U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
    • U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
  • Explorer Essential:100%
Child Wellness (Under 18 years of age)
Bronze: No Coverage
Silver: $70 maximum per visit, 3 visit per period of coverage
Gold: $200 maximum per period of coverage
Platinum: $400 maximum per period of coverage
  • Explorer Premier:
    • Outside U.S :- 100%
    • U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
    • U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
  • Explorer Essential:100%
Dental
  • Traumatic Dental Injury
    Bronze: $1,000 per period of coverage
    Silver: $1,000 per period of coverage
    Gold: Up to lifetime maximum limit
    Platinum: Up to lifetime maximum limit
  • Emergency Dental due to Sudden Unexpected Pain, Natural Teeth Bronze: No Coverage
    Silver:No Coverage
    Gold: $100 per period of coverage
    Platinum: $100 per period of coverage
  • The Gold plan covers $500 for Non Emergency Dental due to Accident.
  • Accidental Dental:Explorer Premier:
    • Outside U.S :- $1,000 per year, $200 per tooth
    • U.S. (In Network) :- $1,000 per year, $200 per tooth
    • U.S. (Outside Network) :- $1,000 per year, $200 per tooth
  • Explorer Essential:$1,000 per year, $200 per tooth
Local Ambulance
Bronze: $1,500 maximum limit per event
Silver:$1,500 maximum limit per event
Gold: Subject to deductible and coinsurance.
Platinum: Subject to deductible and coinsurance.
  • Explorer Premier:
    • Outside U.S :- $100%
    • U.S. (In Network) :- 80% to Out-of-Pocket Maximum then 100%
    • U.S. (Outside Network) :- 60% to Out-of-Pocket Maximum then 100%
  • Explorer Essential:100%
Prescription Coverage
Bronze:Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event
Silver:Subject to deductible and coinsurance. 90-day supply per prescription following related covered event.
Gold: Subject to deductible and coinsurance. 90-day supply per prescription. Outpatient only
Platinum: International - 100% Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available.90-day supply per prescription.
  • Explorer Premier:
    • Outside U.S :- 100% of actual charges
    • U.S. (In Network) :- Generics: 100% after $10 copay
      Brandname: 100% after $25 copay
      Injectables: 70%
    • U.S. (Outside Network) :- Generics: 100% after $10 copay
      Brandname: 100% after $25 copay
      Injectables: 70%
  • Explorer Essential:100% of actual charges up to $1000
Accidental Death and Dismemberment
Bronze: Not Available
Silver:Not Available
Gold: Not Available
Platinum: Not Available
  • Explorer Premier:
    • Outside U.S :- $50,000
    • U.S. (In Network) :- $50,000
    • U.S. (Outside Network) :- $50,000
  • Explorer Essential:$50,000
Physical Therapy
Bronze: Subject to deductible and coinsurance.$40 maximum per visit - 10visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery
Silver:Subject to deductible and coinsurance.$40 maximum per visit -30 visit limit
Gold: Subject to deductible and coinsurance.$50 maximum per visit
Platinum: Subject to deductible and coinsurance.$50 maximum per visit
  • Explorer Premier:
    • Outside U.S :- $50 max each visit, 12 visits per year
    • U.S. (In Network) :- $50 max each visit, 12 visits per year
    • U.S. (Outside Network) :- $50 max each visit, 12 visits per year
  • Explorer Essential:$50 max each visit, 12 visits per year
Pre-Existing Conditions Limitation
Bronze: Excluded
Silver:$50,000 lifetime maximum; $5,000 per period of coverage after 24 months
Gold: $50,000 lifetime maximum; $5,000 per period of coverage after 24 months
Platinum: Covered if disclosed and not excluded by rider
Waiting Period: Six-months
Repatriation of Mortal Remains
Bronze: $10,000 lifetime maximum
Silver:$25,000 lifetime maximum
Gold: $25,000 lifetime maximum
Platinum: $50,000 lifetime maximum
  • Explorer Premier:
    • Outside U.S :- Up to $25,000
    • U.S. (In Network) :- Not Available
    • U.S. (Outside Network) :- Not Available
  • Explorer Essential:Up to $25,000
Other Benefits
  • Terrorism rider(Platinum Plan):
    Covers an insured person injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims up to a $50,000 lifetime maximum.
  • Sports rider(Gold and Platinum Plan) :
    Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting (for more sports refer Certificate Wording). It also provides $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey.
  • Dental(Bronze, Silver and Gold Plans):
    • $750 calendar maximum
    • $50 deductible (max. 2 per family)
    • Class I - 90% (deductible is waived)
    • Class II - 70%, Class III - 50%
    • 6 month waiting period
  • Vision:
    • Exams - up to $100 per 24 months
    • Materials - up to $150 per 24 months
  • Home Health Care:- 100% Covered Expenses, as many as 30 visits per year
  • Skilled Nursing Facilities :- 100% with a maximum Covered Expense of $250 per day, as many as 50 days per year
  • Hospice :- 100% with a maximum Covered Expense of $5,000 per lifetime

There is no single Expat health insurance that can be considered the best expat health insurance for everyone. This depends on different factors such as any specific individual healthcare needs of the expat, the available budget for the expat health insurance, the network of hospitals that the different insurance companies work with…. The Expat insurance products that we offer are very popular with the expat community worldwide.

The cost of Expat health insurance varies depending on the age of the Expat, the medical coverage chosen, the plan deductible and any specific add on riders that might be required. Expats can use our ‘Compare Expat insurance’ tool to get quotes from different companies and for different products based on their specific needs.

It is strongly recommended to have good expat health insurance to ensure that your healthcare needs are taken care of while in a foreign land. Healthcare cost as well as the quality of healthcare varies hugely in different countries, and as an expat, you want to have the assurance that you are entitled to quality US level of healthcare irrespective of where you currently reside.

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