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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.
Health insurance for expats is major medical insurance coverage for persons primarily residing outside their home country.
Depending upon the plan you purchase, expat health insurance can provide coverage for:
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.
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.
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.
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.
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.
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.
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.
How Can I Get Expat Health Insurance?
You can get expat health insurance right here on our website. Just enter your information into the quote form, instantly compare various plans, and apply for coverage online instantly.
The cost of expatriate insurance depends on several factors including the chosen policy maximum, your age, the coverage area, and any optional elections. We make it easy to compare expat insurance plans using our fast comparison tool. Enter your information in the quote form above to get health insurance for living abroad.
Expats get healthcare by using doctors and hospitals local to them. In order to pay for it, the expat will want to purchase expat medical insurance. Without this coverage, major medical issues could have serious financial consequences.
US healthcare will generally not cover you if you live abroad. You must purchase medical coverage that is designed for expatriates. Expat health insurance offers many advantages over local insurance due to its portability, ease of renewal, and acceptance in any covered country.
When living abroad it’s important to have medical coverage. Expatriate health insurance is annually renewable, meaning any covered medical condition can continue to be covered after you renew.
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
Our insurance guide makes it very easy to navigate the complexities of expatriate health insurance.
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