If you currently are or are planning to live outside the U.S., take a look at global expat medical insurance. Whether for work or missionary volunteering, it's important to make sure your health and financial well being are protected while you are outside your home country. A simple travel medical insurance plan just isn't enough for long-term stays overseas. Whichever country you choose to move to, you need a quality global expatriate medical insurance plan to ensure you can continue receiving the same level of quality with your health coverage you receive at home. Although you may find your new host country provides government sponsored health insurance, it may not be to the same standards of coverage and service you want and need. The global expat medical insurance may be just what you need. It is a solution for those looking for expat health insurance or missionary travel insurance.
These plans come with comprehensive medical coverage like routine medical exams, maternity coverage, and prescription drug coverage, all as part of the standard plan. They also have benefits specifically designed with expats and missionaries in mind. Benefits like emergency medical evacuation in case you need immediate medical attention and must be transported to a hospital that is suitably equipped to safeguard your life or limb. It also has emergency reunion coverage, which helps cover the costs of transportation and accommodations to bring a designated family member to stay with you after a covered emergency medical evacuation.
These plans offer the following on their international major medical plans:
We've replaced the prior CitizenSecure plan with three high-quality plans for expatriates. These plans offer coverage in more than 130 countries. They are annually renewable and have coverage options starting from $5,000,000 up to Unlimited Coverage. These plans offer emergency medical evacuation and emergency reunion in the case of a medical emergency requiring evacuation. This, combined with their flexible payments plans, will definitely help fit your budget needs.
|HTH / GeoBlue||IMG / Worldwide||SevenCorners / Reside Prime|
|Insurance Company Location||U.S.||Offshore||Offshore|
|Insurance Company Status||Admitted in the U.S.||Not Admitted in the U.S.||Not Admitted in the U.S.|
|A.M. Best Rating||A- (Excellent)||A (Excellent)||Not Yet Rated|
|U.S. In-Network Coinsurance||80% to coinsurance maximum (100% thereafter)||100%||80% to $5,000 (100% thereafter)|
|U.S. Out-of-Network Coinsurance||60% to coinsurance maximum (100% thereafter)||90% to $5,000 (100% thereafter)||100%|
|Mental Health Availability||No waiting period||12-month waiting period||12-month waiting period|
|Mental Health Benefit||
Inpatient: Subject to coinsurance up to 60 days per policy year.
Outpatient: 75% up to 40 visits / 60% thereafter
|Inpatient and Outpatient: $50,000 lifetime maximum||Inpatient and Outpatient: $30,000 lifetime maximum|
|Inpatient Prescription Drugs||Unlimited||Up to $8,000,000||Up to $5,000,000|
|Outpatient Prescription Drugs||
$25,000 maximum per policy period
$10/$25 copay in U.S. (copay waived outside U.S.)
|Up to $8,000,000||Up to $5,000,000|
|Evacuation and Repatriation of Remains||$250,000 annually for evacuation. $25,000 for repatriation.||Up to $8,000,000||250,000 annually for evacuation. $25,000 for repatriation.|
|Accidental Death & Dismemberment||$50,000||
Rider available, limit depends on age.
$75,000 for ags 19-29; $7,500 for ages 65-89.
$10,000 for insured & spouse.
$2,000 for dependent children.
|Emergency Dental||$1,000 per year. $200 per tooth.||Up to $8,000,000||$500 per policy period|
|Treatment Necessary as Result of Terrorism||Unlimited||Rider available up to $50,000 lifetime maximum|
|Amateur Sports||Unlimited||Rider available up to $10,000||Rider available up to $25,000 lifetime maximum|
|Routine Nursery Care of a Newborn Child of a Covered Pregnancy||Unlimited||$1,000 additional deductible, $50,000 lifetime maximum, $200 wellness benefit for first 12 months||$1,000 per year up to $5,000 Maximum (after 364-day waiting period)|
|Children born as a result of fertility treatment (such as IVF or surrogacy)||May be added to plan just like a naturally conceived child||Excluded||May be added to plan just like a naturally conceived child|
|Neonatal Intensive Care Unit||Newborn is automatically covered; Unlimited||$250,000 maximum for first 31 days||Newborn is automatically covered for first 31 days|
|Pre-existing condition exclusion period||180 days - exclusion waived if prior creditable coverage||Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness||Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness|
|Pre-existing condition look back period||180 days||Any time prior to effective date||Any time prior to effective date|
|Pre-existing annual maximum once covered||Unlimited||Up to $8,000,000||Up to $5,000 per Period of Coverage|
|Pre-existing lifetime maximum once covered||Unlimited||Up to $8,000,000||Up to $50,000 lifetime maximum ($5,000 limit per period of coverage)|