International Health Insurance

Expat Financial offers several different international health insurance plans for expatriates of any nationality across the world.  We offer plans from several different insurance companies that are designed for foreign nationals (expats) living outside the country for which they hold a passport or any local national living outside US or Canada. We also offer excellent service before and after you purchase your international health insurance plan. If you have questions about our international medical insurance plans, please contact us.

Product Summaries, Brochures, T&Cs & Applications Available On-Line!!

International Health Insurance Coverage Tool

• Click HERE if you want a deluxe international health Insurance plan which covers you worldwide or click HERE for similar plan that can exclude USA.
• Click HERE if you want a more affordable expat health insurance plan which covers you worldwide including or option for excluding USA/Canada. From basic to comprehensive.
• Click HERE if you want an expat health plan for US citizens only which is administered using HIPAA guidelines
• Click HERE if you are a Non-US citizen who lives or is intending to live in the USA & needs health insurance in the USA.
• Click HERE if you want international health insurance which excludes or includes coverage in the USA. No medical questions asked in application & great for non-US citizens.
• Click HERE if you are a UK expatriate in need of health insurance outside the USA and Canada.

If you are not an expatriate, don't despair! Expat Financial offers a wide range of international health plans for the some local citizens who wants portable and international coverage. Many local nationals want to obtain insurance that will allow for treatment in foreign countries, such as the USA, England and Australia. Others locals may live in countries which have a limited or insolvent insurance industry and want to deal with a large global company.

When you live abroad, one of the most important financial considerations is how to protect you and your family's health. Without proper coverage, an illness or injury abroad can turn into a financial disaster!  Expat Financial doesn't represent just one insurance company plan. Instead we place your interests first by shopping the marketplace for the plan that meets your needs and budget. From basic to deluxe expat health insurance plans, we've got you covered.

Various Long Term Expatriate / International Health Insurance Plan Brochures, Applications and Terms and Conditions

International Medical Group (IMG) Global Medical AND Global Basic International Health Plan

The IMG Global Medical Insurance plan is for international citizens and expatriates who want:

• Great rates - Option for Global Medical Insurance Plan. Get Instant Quote and Purchase Online Now!
• Offers two coverage areas: Worldwide OR Worldwide excluding USA and Canada. 
• After the deductible, GMI pays 80% of the next US$5,000 in eligible expenses and then 100% of eligible expenses incurred in the United States and Canada up to the policy maximums.  For eligible expenses incurred outside United States and Canada GMI will pay 100% of eligible expenses after the deductible up to the policy maximum.
• If treated in USA using First Health NETWORK - Independent Nationwide PPO, the deductible is reduced by 50% and coinsurance is waived
• USD $5 Million or $8 Million lifetime limits
• Pre-existing conditions after 24 months of coverage covered up to US $50,000 lifetime.
• Optional Maternity coverage - Pre and Post-natal care will be covered after 12 months of continuous coverage up to a lifetime maximum of $50,000. The benefit is limited to $5,000 per normal delivery and $7,500 per C- Section delivery.
• Newborns from eligible maternities are now eligible without evidence of medical insurability. An application and premium must be submitted within the first 31 days of birth
• The Global Medical Insurance plan should NOT be purchased by expatriates who currently are or are planning to become permanently residents in the United States! You must currently OR plan to reside outside of the USA for at least 6 months of the year. The IMG plans are not COBRA or HIPPA compliant. If you want one that is, click HERE.
• Wellness Benefits
• Transplant coverage
• Lifetime eligibility if you are enrolled by age 65 & maintain continuous coverage until age 75, when you will be enrolled in the Global Senior plan
• Pay to policy maximum for an emergency medical evacuation
• Global Term Life & AD&D Insurance is optional
• Global Daily indemnity coverage is also an option
• Underwritten by SIRIUS and Administered by IMG -  financial strength and international expertise

Get Instant Quote and Purchase Online Now!

OR HERE if you are a missionary interested in the IMG Missionary Plan

For all the information in HTML format that you can print off your browser, click  

HERE

for full IMG Global Medical Insurance™ plan information in HTML format that you can print off your web browser!

OR Download plan info, rates & applications here:

IMG Global Medial Insurance Application/Rates
IMG Global Medical Insurance Brochure(on web) in PDF
Global Medical Insurance^sm Affidavit of Eligibility(3kb)
Global Medical Insurance^sm Overseas Benefit Request Form(23kb)
Diabetes Questionaire(16kb)

If you already have Adobe Reader, IMG's Plan will be downloaded to your Browser using Adobe Reader where you can view and print. You may need to use the back button to get back to this page. If you don't have Adobe Reader, you can download first and then get Adobe software so you can view and print the downloaded files. Or, email us & ask for a hard copy of brochure.

IHI BUPA International Health & Hospital Plan (IHHP)

This plan is for international citizens & expatriates who want:

• Choice of ZERO, $400 or $1600, $5000 & $10,000 USD deductible
• Many Coverage choices offered - Choice of In-Patient Only (hospital), In & Out-Patient  and ability to add Medicine & Appliances such as hearing aids
• Medical evacuation is an option
• 100% coverage of most expenses regardless of where you seek treatment, including in the USA
• Overall policy maximum of $1.5 Million USD per person per policy year. 
• Free choice of hospitals, clinics and doctors
• Ability to keep the plan for life
• All nationalities considered
• Premiums are age related only, not based on country of residence
• Possibility of obtaining cover in spite of most pre-existing conditions, either with no extra charge,  a surcharge or with an exclusion
• Greater portability and ability to take plan home, even to USA, if your local state permits
• Great for seniors - can apply up to age 79! (extra premium loading for over those age 60 or above)
• Option for Vision and Dental coverage
• Optional Personal Accident and Critical Illness cover available
• Maternity coverage (see brochure) - only applies after policy in-force for more than 12 months
• Children up to age 9 are covered for free - up to 4 children under 10 years per family (2 per paying insured) are covered free of charge  - children covered immediately at birth
• No exclusions for sporting activities except motocross.
• Premiums in USD, Euro or GBP
• SEE Brochure Terms & Conditions for Full Details as above is just a summary and subject to contract issued by ihi BUPA.

• DOWNLOAD Brochure & Terms/Conditions for Full Details
• Download IHHP Premiums in USD or in Euro
• Submit Application to our office via post, email, courier or fax.

For your protection, all insurance premiums are payable direct to insurance company or plan administrator by credit card, check or money order. Claims inquiries should be made directly to insurance company and/or plan administrator. Remember to pre-certify claims where possible. Most plans will settle claims in any freely convertible currency.

Other plans are available on request if the above don't meet your needs. Make sure that you fully read plan brochure and terms and conditions before applying..

Applications can be sent direct to insurance company address as stated in brochures / applications or direct to: 

Note that the actual plan design, terms and conditions, deductibles, limits vary from plan to plan and company to company and are subject to change at any time without notice. 

Companies with 3 or more expatriates can obtain even more extensive coverage with volume discounts with Expatriate Group Insurance Coverage. Some expatriates will also want to individual International Life Insurance  and disability income protection as well.

For individuals wanting Short Term Travel Insurance under 12 months, please go to the Travel Insurance page for online policy information and even the ability to purchase protection on-line using a secure server!

If you are interested in learning more, have questions or would like a quotation, please contact Expat Financial via email or visit our Quote Request page. We will need your date of birth, location, citizenship, whether you want coverage for any dependants (include same info) & if you want the optional Medical Emergency Evacuation coverage.

Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact Expat Financial for more information about your specific jurisdiction. The above coverage may NOT be available to residents in British Columbia.

If you like this site, you may like TFG Global Travel Insurance.com - Buy travel insurance online.

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