Compare International Health Plans with International Citizens Insurance Insurance
Purchasing Global Health Plans can be a complicated and sometimes confusing task with numerous providers, different carriers, and many options available to you from insurance companies worldwide. At International Citizens, we are specialized international insurance brokers operating as International Citizens Insurance (aka InternationalInsurance.com). We are here to take the guesswork out of your insurance purchase and provide you with a broad range of international health insurance plans available on the market.
To offer a more comprehensive resource for international insurance options, we would like to direct you to our sister site: www.InternationalInsurance.com. Here you can find comparisons of more products and companies in the travel and medical insurance business. We have Expat Insurance Plans providing excellent benefits for those living abroad, including coverage from top global health providers.
Not only do we offer some of the very best health insurance plans for international citizens and expatriates from all around the world, but our highly trained insurance agents are also on hand to assist you and provide you with all the information to purchase the right insurance plan for you. To get started, we have a range of expatriate health insurance plans that will offer a range of coverage options that should meet most requirements.
To make your insurance purchase more straightforward, we have created a global medical comparison chart (review and compare) to quickly and easily see all the plans side-by-side, allowing you to evaluate the plans and see the benefits of each against the others. Our online comparison tool does not show you the full plan benefits, so please make sure to view the full policy benefits and exclusions before purchasing your insurance plan.
For Emplyer Group Options:Group Global Benefit Plans
Our International Health Insurance Plans on InternationalInsurance.com Include:
Cigna Global Medical Plan
- Flexibility to tailor plans to suit your individual needs
- Access to Cigna Global’s network of trusted doctors
- Convenience and confidence of 24/7/365 customer service
IMG Global Medical Plan
- Four plan options and plus optional coverages
- Choice of the coverage areas and deductibles
- Freedom to choose your health care provider
Xplorer Worldwide Medical Plan
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
What is International Private Health Insurance
Citizens from countries where individuals do not typically have health insurance or do not usually shop for their private coverage might wonder what health insurance is when they relocate to a country where health insurance is needed.
Health plans can be thought of as a safety net. Like most individuals have a savings account or rainy day fund for life emergencies, a health insurance plan is a harness for your health. Medical expenses around the world can vary greatly. If visiting or relocating to a country with high health care costs, health insurance can keep an individual from being drowned in debt.
However, not every health insurance plan is created equal. When shopping for health insurance, you will want to review the benefits of each plan that is under consideration, as well as the exclusions. This will give you a good insight into what type of coverage the plan consists of. Do you want a plan that will cover mainly illness and injury, or do you want one that also includes wellness? Decide on the benefits you want and make sure they are included in the plan you choose.
Also, a key consideration when it comes to purchasing health insurance is timing. If an individual waits until a condition that needs treatment occurs, they might not find a plan that will provide them with the coverage they need or want. Insurance plans will often call these conditions “pre-existing conditions.” Although some plans exclude pre-existing conditions from being covered, some will still allow the individual to have coverage right away for that condition or after a waiting period. It is just as important to find out when to purchase health insurance to discover what health insurance is.
Additional Health Insurance Resources on InternationalInsurance.com
We have consolidated most of our insurance resources on our International Citizens Insurance Comparison Site: International Citizens Insurance, where you can also: Compare and Review Travel Medical Plans. If you need coverage for a year or less, consider a Short-Term Travel Medical Plan or visitors insurance.
Global Insurance Plans for Work, Life, or Travel Abroad
In addition to partnering with the leading insurance companies, we offer the most comprehensive array of travel, medical, and specialty insurance plans for the international traveler, expat, or global nomad.
Review plans and options from the list below. We have done the hard work by finding the highest quality companies in the industry. Take your time and review the policy descriptions, inclusions, and benefits to ensure you are getting the product and benefits you need.
International Insurance Plans
If you are unsure which products are best for your situation, you can compare plans and companies here or contact a licensed agent to help guide you.
Health Insurance Plans
We believe we can add the most value by advising our clients regarding international medical insurance plans that are comprehensive, annually renewable, and can vary from plan to plan and across providers. International Health or Global Medical Plans offer medical insurance for those living outside their home country for a year or longer. The best plans offer:
- Freedom to choose any hospital, clinic, or doctor
- 24 Hour Emergency Assistance and Medical Helpline
- Emergency Evacuation, Repatriation, Hospitalization
- In most cases, Home Country coverage is included
- Choice of GBP, Euro, and USD currencies for payment
Popular Global Insurance Plans Include:
Cigna Global Medical Plan
- Flexibility to tailor plans to suit your individual needs
- Access to Cigna Global’s network of trusted doctors
- Convenience and confidence of 24/7/365 customer service
IMG Global Medical Plan
- Four plan options and plus optional coverages
- Choice of the coverage areas and deductibles
- Freedom to choose your health care provider
Xplorer Worldwide Medical Plan
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
Best International Health Plans Based on Where You Will Be Living
Guides to the best health insurance for international citizens or expatriates living in specific countries based on the top destination countries of people living abroad.
Health Insurance Plans for US Citizens Abroad
If you are a US citizen trying to find international health insurance, unfortunately, the process is not automatically more straightforward because the coverage will be based outside the US. You will still want to ensure that you find a plan that you can count on that has each of the benefits you need and can provide customer service in English when you need assistance. To simplify the process, here are a few tips you can follow when looking for international health insurance for US citizens.
Know the Eligibility Requirements
Some international insurance plans will require you to be outside of the US or within a specific time frame of your travel outside the US when you purchase your plan. Others will require you to purchase it before you leave. Looking beyond where you are when buying the plan, there might also be requirements for where you are going. Many plans have certain countries where coverage is excluded. Before getting too deep into what benefits a plan offers, first check if you are even eligible.
Understand Your Benefits
Dive into the plan brochure and read the fine print. It’s essential to look at each benefit more than in a quick scan. Some benefits like maternity, mental health, and pre-existing conditions have a waiting period before they are covered. Some plans have coverage for common conditions but might exclude those over a certain age. Please spend some time researching your insurance and make sure it has the coverage you need.
Don’t Skip the Time Restrictions
If you need your health insurance plan for a brief trip outside the US, make sure you can purchase your plan for the amount of time required. If you plan on relocating and becoming an expat in a new country- make sure you can renew the plan for years to come.
Related: US Medical Insurance for Immigrants and Expats in America
Why You Need an Expatriate Health Insurance Plan
Some health care systems may have limited resources; others may allow you to go to public facilities requiring an insurance plan to cover private facilities. Knowing about the country you are traveling to and the health care they provide is crucial. Questions to ask yourself include :
- What will I do if I have an emergency in my host country?
- Will I be able to seek treatment in a non-emergency situation?
- What type of doctors and hospitals will I be able to go to?
- Are there doctors and hospitals that I want to go to – will I be able to seek treatment there?
- What happens if I return home and have developed a condition that requires continuous treatment?
Recommended Plans Based on Where you are Moving From
A list of the Expat Insurance Plans for People Moving From the Following Countries.
It would be best to investigate your options so that you are covered adequately at home and abroad. For many, relocating overseas choose to compare international health plans since this coverage will give you flexibility in choosing your doctor or hospital – including at private facilities. Some insurance plans will even cover you when you return home for short or long-term visits, including if you need continuous care at home.
Popular Expatriate Health Insurance Plans
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