Global Health Insurance, Worldwide health insurance

International citizens, US citizens and expatriates living and working outside their home for a major part of the year must be aware that domestic health care is not valid once they leave their national borders. They are eligible to buy global health insurance to avail exclusive benefits like preventive care, coverage for pre-existing conditions and are renewable as long as they meet the plan requirements. These Global medical insurance plans are offered by top US Insurance providers and are popular among Global citizens, Expatriates, US corporate employees, international businessmen and Global Nomads.

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Compare Best Global Medical Insurance
Compare benefits offered by popular global plans from International Medical Group and GeoBlue .

Is it necessary to buy global health insurance?

Expatriates who live and work outside their own country and other regular global travelers who often travel and live outside their home country must be aware of the limitations of their domestic health insurance which usually does not provide coverage outside their home country. As a foreign citizen, the expatriate will not be eligible for local subsidized medical care. Given that the price of healthcare in different parts of the world is rising drastically and also that the quality and price of healthcare vary significantly even within a country, it is important to buy good worldwide health insurance so that you can access quality healthcare globally.

What coverage does one get with global health insurance?

There are different global medical insurance options that are popular among expats residing outside their home country. There are some more affordable fixed benefit global plans with pre-defined limits in the coverage they offer for different medical expenses 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 usually available up to 8 million US Dollars. The benefits offered by global medical insurance are coverage for pre-existing conditions, maternity, preventive care, vision, dental expenses as well as medical evacuation.

How much does Global health insurance cost?

The important factors that determine the cost of global health insurance are the expatriate's age, the past health status, the country where coverage is needed, the medical maximum coverage required, the deductible, the mode of payment (annual, monthly..) and any customized coverage for maternity, pre-existing conditions, prescription drugs.. The age of traveler is one of the primary factor that determines the cost of insurance, therefore the older the insured the higher the cost of global health insurance when compared to younger expatriates.
Next is the destination country, the plans have 2 coverage options, Worldwide and Worldwide excluding USA, For countries like USA where the health care is sophisticated but expensive the cost of medical coverage is higher when compares to other countries.
The existing health record of the expatriate is another factor that determines the cost of global insurance. If the expatriate has any pre-existing ailment and would want healthcare treatment for that ailment, the cost of global insurance would be higher.
The higher the plan medical maximum the higher would the cost of worldwide health insurance.
The lower the deductible, which is the initial amount the expatriate has to pay before the insurance pays, the higher the cost of expat insurance. Some plans can be customized based on the expats requirements using optional riders. This include coverage for RX drugs, maternity and comprehensive coverage for pre-existing conditions.

Global Health Insurance information

Popular Expatriate and global health insurance

International Medical Group

Global Medical Bronze
  • Lifetime maximum limit: $1 million
  • Deductible: from $250 up to $10,000
  • Most affordable global insurance long term coverage
Global Medical Silver
  • Lifetime maximum limit: $5 million
  • Deductible: from $250 up to $10,000
  • Global health insurance benefits include mental and nervous coverage
  • Covers pre-existing conditions as creditable coverage
Global Medical Gold
  • Lifetime maximum limit: $5 million
  • Deductible: from $250 up to $25,000
  • Offers coverage for dental expenses, adult preventive care, treatment of mental and nervous disorders.
  • Covers pre-existing conditions as creditable coverage
Global Medical Platinum
  • Lifetime maximum limit: $8 million
  • Deductible: from $100 up to $25,000
  • High end insurance coverage to global travellers and expatriates
  • Covers maternity, political evacuation & repatriation, remote transportation, dental expenses
  • Covers pre-existing conditions as if disclosed and not as a rider

Geoblue

Xplorer Premier
  • Offers coverage in the US and outside USA
  • Provides unlimited annual and lifetime medical maximum.
  • Covers pre-existing conditions with proof of prior creditable insurance
  • Global Travelers and Nomads up to 74 years are eligible to buy this plan
  • Available for US citizens, legal residents of US or an employee of US company.
Xplorer Essential
  • Offers coverage outside USA only
  • Provides unlimited annual and lifetime medical maximum.
  • Covers pre-existing conditions with proof of prior creditable insurance
  • Global Travelers and Nomads up to 74 years are eligible to buy this plan
  • Available for US citizens, legal residents of US or an employee of US company.

Resourceful information for global travelers

Resources

Global health insurance resources

International travel insurance resources for global travelers.



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Factors

Factors for global travel insurance online

Important factors while deciding on the best travel insurance for global travelers.


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comparison

Types of global travel insurance online

Understanding different types of global health insurance plans.



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Claims Procedure

Global health insurance Claims Procedure

Global health insurance online claims process for getting medical care in a hospital.


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