Global Health Insurance plans, global health insurance policy, Expatriates Medical Insurance, cheap international health insurance for travel

Can expats buy global health insurance?

United States Citizens living outside the US for at least 6 months during the year. The six month stay outside does not have to be contiguous.
Foreign nationals (non-US Citizen) living in their home country, but want quality US health insurance coverage. For example, Canadian or Mexican citizens who would like to access US health care.
Foreign nationals living outside their home country for extended period of time.
Foreign National living in the US, but who are not eligible for an US domestic carrier's plan.

How to compare and buy plans?

Complete the quote form given and Get Quote
In the summary page showing the available plans, select the plans that suit your requirement if need to compare
Compare the plans and choose the best suited plan.
Click the 'Buy now' button to purchase the plan online by filling out the application
After successful completion of purchase transaction, you will receive a confirmation email from the company with your ID Card and policy letter details attached to the email.

Insurance terms explained

Premium: Amount you pay to purchase medical insurance plan. Premium may be paid monthly, quarterly, semi-annually, annually or for entire duration of the coverage depending upon the insurance policy you purchase.
AM Rating: The A.M. Best Company is considered the most authoritative source of Insurance company information. The company provides comprehensive data to insurance professionals. Founded in 1899 by Alfred M. Best, A.M. Best is the world's oldest source of insurance company ratings and information. Its Best's Ratings are the industry's standard measure of insurer financial performance.Please note these ratings are assigned to usually the insurance underwriters of the policies you purchase and not to the policy or the policy administrator or the insurance agent.
Deductible: Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not get receive any reimbursement later from insurance company for the deductible you pay.e.g., Let us consider that you have purchased an insurance policy with a $50,000 policy maximum, $250 deductible per policy period and 80/20 co-insurance.Suppose you incur a covered expense of $10,250; then the insurance company will pay the covered expenses according to policy terms after you make a a payment of the deductible (i.e. $250).
Hospitals: A type of health care policy plan that provides coverage benefits for the cost of any or all hospital services.
Policy Maximum: Maximum amount of money that the insurance company will pay for covered expenses. Policy maximum can be either per policy period, per year, life time or per injury/sickness depending upon the insurance policy you purchase.
Co-insurance: After paying the deductible, percentage or amount of covered expenses that the insured pays.For example, an insurance policy brochure may mention that the policy will pay 80% of the first $5,000 and 100% thereafter of the usual and customary charges;In some health insurance plans, it is also called "co-payment".
Pre-existing conditions: A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or during the past duration(specified by each insurance plan) prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related to thereto or arising thereffrom.
Repatriation: If a covered illness/injury results in a death, expenses for repatriation of bodily remains or ashes to the country of residence.

Compare Popular Global medical insurance benefits

Compare Global Medical Insurance ^IMG

Compare benefits offered by International Medical Group's Global Medical Insurance

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Compare Xplorer Insurance ^Geoblue

Compare benefits offered by GeoBlue's Xplorer Premier and Xplorer Essential Insurance

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What are the benefits of buying Xplorer premier insurance for expats?

The GeoBlue Xplorer Premier plan provides:

Ability to customize the plan to suit your needs
Unlimited annual and lifetime medical maximum
Pre-existing conditions exclusion can be waived with proof of prior creditable coverage
Deductible is waived for outpatient office visits with contracted physicians
Terrorist-related injuries are covered
No waiting period associated with any preventive services
No precertification penalty imposed
Contracted providers bill GeoBlue directly, eliminating paperwork and out-of-pocket expenses for you
Convenient mobile tools to connect to quality care across the globe and for emergency needs, to filling a simple prescription, to translating symptoms, to finding the right doctor at home or abroad

International Health Insurance - FAQ's

International health insurance for travel, or international travel insurance is a short-term travel medical insurance policy that visitors to any country can buy so they have coverage for accidental injury or illness during their stay in the host country. International travel insurance is not always a requirement to enter many foreign countries (it is needed for some countries, like the Schengen states while applying for the Schengen visa), but it is strongly recommended given the high cost of healthcare.

When buying international travel insurance, it's important to compare policies from multiple providers to find the best coverage at the best price. This can be done easily at American Visitor Insurance, where prices and benefits of the different plans offered by the top US travel insurance providers are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered. Do also check on the policy renewal rules which are displayed in the American Visitor Insurance comparison, should you want to extend your visit overseas.

International health insurance works by providing coverage for medical expenses incurred while traveling or living outside of one's home country. International travel insurance policyholders can provide their insurance card or policy information to the healthcare provider, who will submit the claim to the insurance company for reimbursement or direct payment. Depending on the international health insurance policy, coverage may include medical evacuation, repatriation, and emergency assistance services.

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.

You have a broad range of international medical insurance options. There are basic fixed benefit plans which provide a fixed coverage for different medical treatments which suffice for basic health care, there are also comprehensive global health insurance options which provide extensive healthcare cover up to the policy medical maximum up to 8 million US Dollars. Along with medical coverage, there are also options for preventive care, vision, dental benefits as well as medical evacuation.

Following are some benefits that are are covered by the international medical insurance:

Coverage for Wellness, Preventive Care and Vaccination
Coverage for transplant procedures
Pre-existing conditions coverage
Dental and Vision Coverage
Global term life insurance coverage
Sports Coverage
New born care, Maternity and Pregnancy coverage
Long term comprehensive medical insurance coverage with choice of different plan maximums

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).

International health insurance for travel is recommended for anyone traveling abroad, especially those who are traveling for an extended period of time or who are visiting countries with limited healthcare facilities or where healthcare is very expensive. There are some international travel insurance plans that provide coverage for those who have pre-existing medical conditions or those who are engaging in activities that are considered high-risk.

International health insurance for travel typically covers emergency medical treatment, hospitalization, and medical evacuation or repatriation. This insurance may also cover other benefits such as prescription drugs, dental care, and accidental death and dismemberment.

The best international travel insurance will vary depending on the specific needs of different travelers. In general, the following are some of the best international travel health insurance plans:

When choosing international health insurance for travel, it's important to consider several factors such as coverage, cost, and provider reputation. It is also a good idea to compare quotes from multiple insurance providers to find the best coverage for your budget. This can be done easily at American Visitor Insurance, where prices and benefits of the different plans offered by the top US travel insurance providers are displayed in an user friendly manner. Do also check on the policy renewal rules which are displayed in the American Visitor Insurance comparison, should you want to extend your visit overseas. You should also read the policy documents carefully to understand what is covered and any exclusions or limitations.

Yes, many US insurance providers allow travelers to buy international health insurance for travel even after they have left their home country. However, it is important to note that some policies may have waiting periods before coverage begins, so it's best to purchase insurance as early as possible.

Long Term coverage with the global plans of IMG

Hello,

I am looking for a plan that provides long term coverage for a year. I would like the plan to provide good coverage for pre existing conditions and preventive care. Can you give me more insight about the Global plans of IMG? I am kind of interested in their benefits

Feza

Dear Feza,

If you are looking for complete long term medical coverage, the global plans are ideal especially if you need them for longer than one year. They have limited coverage for reventative (wellness) treatment and the Silver and Gold plans cover pre-existing conditions after 24 months continuous coverage, but the Platinum plan covers pre-existing medical conditions if disclosed and not excluded by rider in the first year.

The Global Medical Policies offered by IMG are excellent and popular choices for long term international insurance. The policy will cover you while you are traveling outside your home country of citizenship as well as in your home country. The advantage of a global health policy is that once you are accepted onto the plan, you are guaranteed coverage year after year and the only price increase will be due to age (they cannot increase your rate due to a new health issue).

The Global Medical Bronze and Silver plans are fixed plans which may work well in countries where medical costs are low. The Global Medical Gold and Platinum are comprehensive policies. An optional dental and vision riders are available for the Bronze, Silver, and Gold plans. The Global Medical Platinum offers complete medical coverage even for maternity costs. Dental and vision coverage is included in the Global Medical Platinum plan.

Also, be aware that the online application will ask extensive medical questions (be prepared with dates and all the information) and that it may take a couple days for the company to review the application. Furthermore, the coverage is NOT guaranteed, so your application may be rejected, accepted with exclusions (which you would have to agree to), or, ideally, simply accepted.

Global medical Silver plans

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Global medical Gold plans

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Global medical Bronze plans

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Global medical Platinum plans

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If you need a year or less coverage or you want something more short term, you can choose any of our visitor Insurance plans.

Please let us know if we can help answer any questions or concerns you may have.

www.americanvisitorinsurance.com
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