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Expatriate Health Insurance

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  • Annually renewable as long as you continue to meet the eligibility requirements.
  • Choice of low cost fixed coverage plan as well as higher coverage comprehensive plans.
  • Available up to the age 74. (Higher age available if enrolled by age 64.)
  • Expatriate insurance plans are not Affordable Care Act (ACA) compliant.
  • Expatriates, retirees, workers outside the U.S. have excellent choices.
  • Various payment frequencies and maternity coverage available.

Annually renewable worldwide major health insurance, for persons staying outside the U.S. NOT for people planning to visit the U.S. for a short term. Look at Visitors (USA) instead.

Expatriate Medical Insurance

Expatriate medical insurance provides major medical insurance coverage for persons primarily residing outside the United States.

What does expatriate medical insurance include?

Expatriate medical insurance plans are comprised of various benefits, some of these standard benefits may include:

Emergency Medical Expenses

Expatriate health insurance plans are major medical plans that provide anywhere from $1,000,000 to $8,000,000 in medical coverage. As the plans are annually renewable, any covered medical condition that occurs in a previous year would continue to be covered in the subsequent years. After being insured for certain duration, some pre-existing conditions may be covered just like any other new medical conditions. Additionally, it may also provide coverage for a wellness checkup and optional dental and vision.

PPO Network

Most expatriate medical insurance plans participate in a PPO network within the U.S. as well as having an extensive network of providers in various countries. That makes taking a treatment relatively easy when you become sick or injured. The insurance company can generally pay directly to the providers in the network and providers would have to accept the network negotiated fees as the full payment.

Portable Coverage

As expat health insurance may provide coverage in multiple countries (according to chosen coverage area), if an expatriate moves to another country on an assignment or for retirement, they would continue to be covered without having to worry about the pre-existing conditions that were treated during the previous policy durations. Most local health insurance plans in a foreign country may not provide any coverage outside that country and if you buy insurance in a different country, it would start all over again.

Flexible Treatment

If you are living in an area where healthcare quality is not up to the standards you expect and if you are seriously sick, you will have an option to receive treatment in another country (according to chosen coverage area). With the worldwide coverage option, you can be treated anywhere in the world including the United States.

Emergency Medical Evacuation / Repatriation

Living or retiring in a foreign country can be fun and relaxing. However, if you were to be injured or become severely sick, and if the local facilities can't provide you an adequate treatment, emergency medical evacuation would transport you to the nearest place where adequate care can be given. After you are stable and can travel long distances, it can also arrange for your transportation back to your home country.

Return of Mortal Remains

If in an unfortunate event that you were to pass away, return of mortal remains would pay for transportation of your remains or local cremation.

Life Insurance

In addition to providing Accidental Death & Dismemberment (AD&D) coverage, you may also be able to purchase optional life insurance coverage which would be general purpose.

Working or retiring in a foreign country can be exciting and fun.

Don't take chances without expatriate health insurance, get free quotes today!

Travel Insurance Coverage Options

Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:

Missionary Health Insurance

Missionary health insurance plans are very similar to regular expatriate medical insurance plans. However, they are designed specifically for missionaries residing for a long term outside the U.S. It has limited coverage for furlough in your home country between your assignments and political evacuations.

Marine Crew Health Insurance

Marine crew health insurance plans are very similar to expatriate health insurance plans. However, they are specifically designed to cover the marine crew which is aboard the ship most of the times. Therefore, some of the plans have additional benefits such as recreational scuba diving.

Travel Medical Insurance

If you are traveling for a short duration outside your home country, you may want to purchase travel medical insurance, especially if your current insurance will not provide coverage in that area. There are many travel health insurance options to choose from. You can get instant quotes, compare them side by side and make an instant purchase online. You just pay for the exact number of days you are traveling.

Visitors to USA Insurance

If you are visiting United States, and if you already don't have worldwide medical coverage, you should highly consider purchasing visitors insurance as the healthcare expenses is the highest in the U.S. Some coverage for acute onset of pre-existing conditions is available up to a certain age. Even though fixed coverage plans are low cost, they provide a very limited coverage and highly insufficient. Therefore, we always recommend everyone to purchase comprehensive coverage plans only.

Insurance Guide

Our insurance guide makes it very easy to navigate the complexities of expatriate health insurance.

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