Global International Health Insurance for Expatriates
Expat Financial offers the Global international health insurance plan to expatriates & global nomads around the globe. Their international health policies are underwritten by reinsurance companies with a financial rating of at least A-.
We are pleased to be able to offer their plans to our expatriate clients as another alternative to the excellent global health plans that we offer.
Global International Health Insurance Coverage Options
Integra Global offers three primary levels of coverage for expatriates – InCare, YourLife and PremierLife. All their policies offer:
- In-patient hospital care
- Medical evacuation & repatriation
- Mental health care
InCare – An entry-level global health policy with a more affordable price with no out-patient coverage.
YourLife – All the benefits of InCare plus out-patient care, routine checkups, preventative care, mental health appointments and prescription costs are all included. Dental is an option.
PremierLife – Integra Global’s most comprehensive plan with all the benefits of InCare and yourLife but with higher limits and dental coverage.
Coverage Details
We recommend that you read the Integra plan details before you purchase their global health coverage. We have noted below a link to their brochure and terms and conditions so you can decide if the plan will meet your requirements.
- Plan Brochure
- Plan Terms & Conditions
Coverage Areas for Integra Global
Integra Global plans offer two geographic coverage options:
- Geo Cover 1: Worldwide
- Geo Cover 2: Worldwide excluding the United States & Canada
If you choose Geo Cover 1 your cover includes access to medical care in the US and Canada for up to 180 days in any 12-month period. However, if you are a permanent resident or remain in the US longer than 180 days in any 12-month period, unfortunately, you are not eligible for our health plans. Integra Global does not meet the USA Affordable Care Act (PPACA) requirements.
Integra Global is able to provide medical coverage in high-risk territories, however, their plans are not able to cover AD&D (Accidental Death and Dismemberment) or offer Life Cover in the following list of Countries: Afghanistan, North Korea, Iraq, Jammu, Cachemire, Punjab, Rajasthan, Gujarat, Libya, Palestine, Central African Republic, Somalia, Syria, Sudan, Chechnya, Yemen.
Please note that this list is not comprehensive and is subject to change depending on the current situation. Please refer to their Policy Wording general exclusion n.30 “Any injury or sickness in connection with or caused by war or an act of war whether declared or undeclared: riot, civil commotion, or police action whether participating or not.”
For Switzerland & Germany, the Integra Global plans are only available as top-up plans to the domestic policies offered there.
Integra Global Service & Support
Integra Global offers some excellent service to expatriates living abroad. Their customers can contact Integra Global via their 24/7 service centre, but also using their claim form or yourHealth app.
Who is Eligible for Integra Global International Health Coverage?
Their plans are only available to expatriates and global citizens who are living outside their country of citizenship for at least six months per policy year. The plan is not available if you are a permanent resident of the USA or plan to spend more than six months in the USA in any 12-month period.
