International Health Insurance Plans for Expatriates & Global Citizens
When you are moving abroad or already living overseas as an expatriate or global nomad, it is vital that you buy an international health insurance plan that will cover you and your family members. International medical care is a key part of any financial plan and provides you access to urgent and preventative medical care both locally and globally.
A global health insurance policy that is designed for expatriates and secured by a large and well-known global insurance provider is your lifeline to international healthcare. International insurance is also now required by many expat destination countries to secure a visa and permanent residence abroad. It is critical to buy an international health insurance plan that is designed for expatriates, global nomads, international citizens and digital nomads that are living abroad for more than 6 months of the year.
How Does International Health Insurance Work?
International health insurance works much the same as American health insurance and many private health plans around the world, but these plans are set up to cover expatriates living abroad on a global basis. Learn more…
International Health Insurance Benefits
International health insurance provides basic or comprehensive coverage for expats living abroad for longer than one year and spending the majority of their time outside their country of citizenship. Usually, these international citizens are not eligible for domestic health plans or the local coverage and policies are lacking for their globally mobile needs. We find that the best international health plans offer:
- Hospital and out-patient medical treatment when you need it
- Multiple deductible options to keep your premiums low
- Choice of global medical care excluding or including the USA
- Emergency medical evacuation and repatriation, especially in countries with limited medical care
- 24/7 medical advice and support
- Preventative and wellness care
- Maternity coverage if required after 12 month waiting period
- A large medical network around the globe for direct reimbursement via an international medical insurance card
- Choice of premium payment via USD, Euro or GBP for payment and reimbursement
- Freedom to choose your hospital or doctor
- Telehealth for virtual expat healthcare and advice
- Coverage for Covid-19!
To learn more and help you choose the best international health insurance policy, download our international health insurance guide.
What is the Best International Health Insurance?
Obtaining the best possible health insurance is a priority for expatriates, global nomads and international citizens. You need a plan that meets your global healthcare needs and fits your budget. Please find below a list of the best expat health insurance providers that we offer. You can click on one of the plans to learn more and even obtain a quote and apply online:
A large and well known global insurance company. It offers excellent coverage, service and lifetime coverage for expatriates. You can include or exclude coverage for the USA. It is our best international health insurance policy. Get quote, if you want an expat health plan from Cigna International,
The Allianz Worldwide Care plan is high quality and is available for some local nationals residing in select countries outside the USA & Canada. Click HERE if you are an expat residing in Europe, Africa or Asia and want coverage form a very well known and respected European insurer.
Wants an international health insurance plan from an American provider which is administered using HIPAA guidelines from GeoBlue. Click HERE if you are an American citizen residing abroad.
Applying for International Health Insurance
After you get an online quote from one of our international insurance providers, you can proceed with the application process. If approved, then you can pay online with your credit card, wire or have the premiums deducted from your bank account online. If you have any questions about medical insurance plans or you want to discuss your needs and produce a customized quote. You receive the same rates and direct service from the insurer when you obtain a quote plus our added support and service at no cost.
International Health Insurance for Local Nationals
If you are not an expatriate, Expat Financial can offer health insurance plans for some local citizens who want 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. Other locals may live in countries that have a limited or insolvent insurance industry and want to deal with a large global company. Contact us for a list of plans available for local nationals in select countries – the Allianz plan is one plan that can cover locals in a select number of countries.
Independent Insurance Broker
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. We do not charge a fee for our expat health insurance services as we are compensated by the insurer you choose – the insurer charges the same rates if you purchase directly. Learn why you should work with a broker when you purchase global healthcare.
Why Buy International Health Insurance via Expat Financial?
Expat Financial offers different international health insurance plans for expatriates across the world. Expatriates and global citizens can choose from several international insurance companies. These global health insurance policies are designed for foreign nationals living outside the country for which they hold a passport. We also offer excellent service before and after you purchase your insurance plan – this includes answering questions, providing advice and even assisting with underwriting where needed.
Corporate International Health Insurance Policies
Companies with 3 or more expatriates can obtain even more extensive coverage with volume discounts with Expatriate Group Insurance Coverage. These international group health plans can often offer offer superior coverage, service and rates for organizations with more than 2 tor 3 expatriate employees. Some expatriates will also want to individual International Life Insurance and disability income protection as well.
Short Term Coverage
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.
About International Medical Group (IMG) Global Medical Plan
The IMG Global Medical Insurance plan is for international citizens and expatriates who want:
- Flexible, comprehensive medical coverage as noted in the brochure.
- Coverage for individuals and families
- Four unique plan designs – Silver, Gold, Gold Plus and Platinum
- Optional riders: Global Term Life Insurance, Global Daily Indemnity, Dental, Maternity, Terrorism, Sports
- Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
- Select from multiple deductible options
- Family premium covers the first two children between 14 days and 9 years at no additional cost for the first year
- Choose from several payment modes
- Multiple underwriting options to fit your needs
- Freedom to choose your provider
- Access to two extensive provider networks
- Emergency Medical Evacuation and other evacuation benefits
- Medical Concierge Program
- Medical professionals to coordinate your care
- 24-hour access to information
For all the information in HTML format that you can print off your browser, click here.
Other plans are also 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:
c/o TFG Global Insurance Solutions Ltd.
#1500 – 701 West Georgia Street
Vancouver, BC V7Y 1C6
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.
Note: The policies we offer are not available via TFG Global Insurance Solutions Ltd. or its related web sites to local citizens who intend on residing in Canada or the USA. Coverage for expats in the USA and Canada can be available. Also note that the health plans are offered via our site are designed to cater for globally mobile expatriates. As such, they do not meet all the requirements for health insurance plans set out in US healthcare law or local laws in your country of residence, including the Affordable Care Act (ACA), HIPAA or COBRA. You may wish to seek legal advice if you are uncertain as to whether and how these requirements apply to you.