Global Medical Plan Highlights for Expatriates & International Citizens
In general, most global medical insurance plans will cover the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per period of coverage (12 months).
Most of the medical plans for expats we offer can provide tailored coverage where you can easily design the benefits package that you need. The programs we offer give expats comprehensive benefits suitable for individuals and families, fully portable 24-hour coverage and the peace of mind you need. You can build your plan by reviewing and choosing from the coverage options and services available. More detailed benefits and service descriptions are provided in the links to the right. Please refer to those companion links while reviewing the information herein.
Common Global Medical Insurance With Flexible Benefits – Cigna
Most global health plans in the market offer a variety of levels of medical care to meet almost any budget. Here are three typical levels for one of the best international medical plans we offer to global citizens living abroad:
- Silver – Affordable medical security designed for the more budget-conscious consumer and those planning to receive care in lower-cost areas of the world. Silver offers a wide range of scheduled benefits equipped to meet your essential needs.
- Gold – Ideally suited for those who desire full major medical coverage but for a limited period of time. Gold provides comprehensive benefits for the first three years of coverage. After three years, certain benefits and lifetime maximums are reduced.
- Platinum -Provides the superior benefits package for the most discerning global consumer. Platinum offers a package of enhanced benefits and services. It is designed for the client who wants the convenience of comprehensive medical with very high limits.
- Optional Riders – Almost all global health plans offer options such as:
- Maternity coverage
- USA Coverage
- Evacuation for Medical Emergencies
Coverage Area Options/Budget
- Two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan – You have the opportunity to select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of the coverage area you choose, you maintain the freedom to choose your own provider.
- Multiple deductible options – To accommodate your financial resources, you can select from seven different deductible options – all providing different premium levels.
- No additional cost for children – No matter the plan option or coverage area you choose, if you are a family, the family premium covers the first two children between 14 days and 9 years at no additional cost for the first year (see Additional Coverage Information). This is a valuable savings for any budget.
- Four premium modes – Schedule the frequency of payment that meets your means.
Underwriting Options for International Health Insurance
Most of the plans we offer to expats provide excellent coverage that is flexible and responsive to our clients’ needs. Understanding that everyone has a unique medical background, the Global Medical Insurance we offer can provide multiple ways to administer coverage to you & your family.
Your application will be reviewed by the insurer you choose based on the full disclosure of your medical history that you provide. You must provide complete and accurate information or your coverage may be declined in the future. Here are four possible underwriting outcomes for international health plans:
- Accepted with no exclusions. This is always great news for expats applying for global coverage!
- Accepted with an exclusion for a pre-existing condition: With an exclusionary rider, some global insurers are able to extend coverage for your medical needs, with the exception of the specific excluded condition named in the rider.
- Accepted with Additional Premium: Sometimes underwriters will agree to cover you and your family but will want an additional premium to cover the named pre-existing condition.
- Declined: Sometimes the insurers are not able to cover you because of your occupation, location or occupation. While this is unfortunate, you can contact us to discuss your options, including applying via of our other providers.
- No-underwriting Plan: Another option is to get a plan that has no medical underwriting because pre-existing conditions are not covered – the Expatriate Group global health plan is just such as plan that we offer.