How to Apply for Global Medical Insurance
We offer several global medical insurance plans to expatriates through well-regarded insurance providers. While we can still offer the IMG Global Medical Insurance plan to expatriates, we are directing new clients to purchase plans from one of our other international insurance providers, such as Cigna and Allianz. If you would like to discuss your requirements in more detail, please contact us today.
How to get a quote for international health insurance policies?
Once you are ready to move abroad or are just considering an overseas move, it may be time to obtain some quotes online for an international medical plan. You will need to note the following if you wish to get a quote online:
- Names of the people to be covered
- Dates of birth
- Where are you going to be living abroad the most during the next year
- Citizenship of the people to be covered. Note that expat health plans are for expatriates only and generally, local nationals can’t be covered
- An idea of the coverage that you want. For example, do you want inpatient hospital-only coverage or do you also want outpatient care as well?
Once you have this information, you can request a custom health quote OR get a quote online with our premier expat healthcare provider, Cigna. Obtaining a quote online will only take a few minutes, and you can select from a wide range of plan options and coverage levels. Note that the deductibles that you choose for hospital or outpatient care will vary and have a big impact on the premiums that you pay. The lower the deductible, the higher the premium. Also, as you would expect, the country of residence abroad will impact the premium you pay, along with your age. For example, the UK and Hong Kong are surprisingly expensive places to obtain medical treatment, so the insurers will charge a higher premium if you will be living there. +
How to Apply Online for Global Medical Coverage
It is surprisingly easy to apply for an international medical after you have obtained a quote online, OR we have done the quote for you online, and the insurer has sent you the quote and apply now link. Note that you will be requested to provide answers to several medical questions that relate to your medical history. It is important that you provide truthful, accurate and detailed answers to their medical questions as this will have an impact on your coverage. Expat health plan provider may decide to decline to cover you, request an exclusion or a premium loading. If you have a question or concern on the underwriter’s decision, feel free to contact us or the insurer directly. Sometimes, if provided additional information, the underwriters can remove the exclusion or provide clarification.
Can I Apply Offline for Expat Healthcare?
The short answer is yes you can. You can get a quote offline or via email via our website, and then request a copy of the insurance provider’s application in PDF format. You can then complete the form, noting which policy options you require, answer the medical questions in full and sign the application. If you have a partner or spouse who is joining you abroad, you will also need him/her to sign the document. The completed application can then be sent to us via email or the insurer. The process may take a bit longer than applying online as the form has to be received, examined and underwritten in person.
What happens After Applying for Global Medical Insurance?
If your medical insurance application as an expatriate or global nomad is approved, you will receive an email back from the insurer with the decision. They may also request a copy of your passport to verify your identity and the address where you are living abroad. Remember that almost all expat health providers can’t cover local nationals living in their country of citizenship except for a few exceptions, such as being the spouse of the primary expat on the policy or if you are in the UK.
The insurer will send you a link where you can access policy details, renew coverage, and more. The portals for these offshore global medical plans also allow you to submit claims via your computer or via their iPhone application. It is essential to keep your credit card information, email address, and address up to date in case of any changes. Sadly, many expats lose their coverage because they forget to pay their premiums. Premium payments are always the responsibility of the insured nomad or expatriate.
