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Are you an expat living abroad? Staying healthy while navigating a new country can be challenging, but not impossible. With Expat International Health Insurance, you can have peace of mind knowing that your medical needs are covered. Whether you need in-patient care, outpatient treatment, dental services, or maternity coverage, our comprehensive plans offer the protection you need as an expat. But what exactly does expat health insurance entail? Let’s explore the details and benefits of Expat International Health Insurance.
Key Takeaways:
- Expat International Health Insurance provides comprehensive coverage for expats living abroad.
- Our plans include in-patient and outpatient treatments, dental coverage, and maternity benefits.
- We offer customizable options to enhance your coverage according to your specific needs.
- Coverage extends to a wide range of medical services, including COVID-19 treatment.
- By choosing Expat International Health Insurance, you can focus on your expat experience with peace of mind regarding your healthcare needs.
Why Choose Expat International Health Insurance?
Choosing Expat International Health Insurance for your expatriate health insurance needs offers numerous benefits and comprehensive coverage. Our plans are specifically designed to provide global health coverage and comprehensive medical insurance for expats, ensuring that you have access to quality healthcare no matter where you are in the world.
Here are some of the reasons why Expat International Health Insurance is the best choice for expat professionals:
- Extensive Coverage: Our plans offer coverage for a wide range of healthcare needs, including doctor visits, hospitalization, prescription drugs, emergency medical care, preventive care, and wellness services. With Expat International Health Insurance, you can rest assured that you’re protected in case of any medical emergencies or routine healthcare needs.
- Customizable Plans: We understand that everyone’s healthcare needs are different. That’s why our plans are customizable to fit your specific requirements. You can choose your core plan and add optional plans such as out-patient, dental, maternity, and repatriation cover to create a personalized insurance package.
- Flexible Area of Coverage: We offer flexibility in selecting your area of coverage. Whether you need worldwide coverage, coverage excluding the USA, or coverage limited to Africa only, Expat International Health Insurance has you covered.
- Additional Services: We go above and beyond to provide additional services to our policyholders. Our plans include services like nursing at home, rehabilitation treatment, preventive surgery, emergency out-patient treatment, emergency out-patient dental treatment, and an Expat Assistance Programme. We also offer access to digital health apps, second medical opinion services, and online management tools.
“Expat International Health Insurance provides expatriate health insurance benefits that meet the unique needs of expats worldwide. With our comprehensive medical insurance for expats, you can focus on your work and enjoy your time abroad, knowing that your health is our top priority.”
When it comes to your health, don’t compromise. Choose Expat International Health Insurance for reliable and comprehensive coverage that ensures your well-being, no matter where your journey takes you.
Table: Expatriate Health Insurance Benefits Comparison
| Benefits | Expat International Health Insurance | Competitor A | Competitor B |
|---|---|---|---|
| Doctor Visits | â | â | â |
| Hospitalization | â | â | â |
| Prescription Drugs | â | â | â |
| Emergency Medical Care | â | â | â |
| Preventive Care | â | â | â |
| Wellness Services | â | â | â |
| Optional Plans | â | â | â |
| Area of Coverage | Worldwide, USA-excluding, Africa-only | Worldwide | Worldwide |
Note: This table provides a brief comparison of expatriate health insurance benefits offered by Expat International Health Insurance and two competitors. The presence of a checkmark indicates coverage availability, while an “X” indicates the absence of coverage.
Core Plan Options and Deductibles
When it comes to Expat International Health Insurance, we understand that every individual’s healthcare needs are unique. That’s why we offer a range of core plan options to cater to your specific requirements. Our core plans provide comprehensive coverage for in-patient benefits and day-care treatments, ensuring that you’re protected in case of hospital stays, surgeries, or medical evacuation.
In addition to the core plan options, we also provide a selection of Global Health Services that aim to enhance your overall well-being. These services are designed to help you maintain a healthy lifestyle and make the most out of your expat experience.
To further customize your coverage, you have the flexibility to add optional plans to your core plan. These optional plans include out-patient, dental, maternity, and repatriation cover, allowing you to tailor your insurance to suit your specific needs.
Furthermore, we offer different deductibles that give you the flexibility to choose a deductible amount that works best for you. Deductibles allow you to share some of the healthcare costs, resulting in lower premiums. By selecting a deductible that aligns with your budget and risk tolerance, you can ensure that your insurance coverage is both comprehensive and affordable.
Choosing the Right Coverage Level
Our Expat International Health Insurance plans offer different coverage levels, allowing you to find a plan that matches your individual requirements. Whether you’re looking for basic coverage or a more extensive plan that includes additional benefits, we have options to suit your needs.
Benefits of Global Health Services
Our Global Health Services are designed to provide you with additional support and resources to help you maintain your health and well-being while living abroad. These services may include access to digital health apps, second medical opinion services, and online management tools that make it easier for you to manage your healthcare needs.
Our goal is to ensure that you have access to high-quality healthcare and support services, no matter where you are in the world.
As an expat, your health and well-being are our top priorities. With our range of core plan options, deductible choices, and Global Health Services, we aim to provide you with comprehensive coverage and personalized care. Choose the plan that suits your needs and enjoy peace of mind knowing that you’re protected, wherever you are.
Coverage and Benefits
Expat International Health Insurance offers comprehensive coverage and a wide range of benefits to ensure that expats have access to the medical treatments they need. Our plans include coverage for in-patient and day-care treatments, outpatient treatment, dental care, maternity care, and repatriation benefits. Whether you require hospitalization, specialist consultations, or preventive care, our plans have you covered.
In-Patient and Day-Care Treatments
Our insurance plans provide coverage for a variety of in-patient and day-care treatments, ensuring that you receive the necessary medical care when needed. Some of the treatments covered include:
- Oncology treatment
- Medical evacuation
- Nursing at home
- Rehabilitation treatment
- Preventive surgery
- Laser eye treatment
Outpatient Treatment
Our plans also offer coverage for outpatient treatment, including consultations with doctors and specialists, diagnostic tests, and emergency outpatient care. We understand the importance of easily accessible healthcare, and our coverage ensures that you have access to quality medical services whenever you need them.
Dental Coverage
Good oral health is essential, and our plans recognize the importance of dental care. Our coverage includes dental treatments, check-ups, and preventive services to keep your smile healthy and your teeth strong.
Maternity Coverage
If you’re planning to start or expand your family, our insurance plans provide maternity coverage. Our coverage includes prenatal consultations, childbirth, and postnatal care. Please note that there is a waiting period of 16 months before your maternity coverage becomes effective.
Repatriation Benefits
In case of a medical emergency, our plans offer repatriation benefits. If necessary, we arrange for your safe return to your home country, ensuring that you receive the medical care you need in a familiar environment.
It is important to note that the coverage and benefits may vary depending on the plan you choose and the deductible you select. We recommend carefully reviewing the policy details, including the Insurance Certificate, Benefit Guide, and Table of Benefits, to understand the specific coverage provided by your chosen plan.
Discounts and Premiums
Expat International Health Insurance understands the importance of affordability and offers premium discounts based on various factors to ensure that expats can access quality healthcare without breaking the bank.
Adding a maternity plan
If you choose not to add a maternity plan, you can receive a discount on your core plan premium ranging from 0% to 60%. However, if you decide to include a maternity plan, you can still enjoy premium discounts ranging from 0% to 30%. Expat International Health Insurance aims to make comprehensive coverage accessible to everyone, regardless of their specific needs.
Deductibles and other factors
When determining the premium amount, various factors come into play. Premiums can vary depending on factors such as age, area of coverage, payment frequency, and sex. Additionally, the choice of deductibles can also affect the premium. Expat International Health Insurance provides flexibility and options, allowing you to make choices that best suit your needs and budget.
Area of Coverage
When choosing international health insurance, it is crucial to consider the geographical area of cover. Expat International Health Insurance offers several options to meet your specific needs. The area of coverage you select determines the validity of your insurance, providing you with peace of mind wherever you go.
If you choose the “Worldwide” coverage, your insurance will be valid in every corner of the globe. This option ensures that you have access to medical assistance and coverage no matter where your travels take you. It provides comprehensive protection and support, giving you the freedom to explore and live abroad.
For those who prefer coverage excluding the United States, the “Cover Excluding USA” option is a suitable choice. This coverage option ensures that your insurance is active everywhere in the world, except within the United States. It offers you flexibility while taking into consideration any existing insurance plans you may have in the U.S.
Additionally, Expat International Health Insurance also offers “Africa-only” coverage for those residing or traveling exclusively within Africa. This coverage ensures that you receive the appropriate medical attention and support while within the continent.
It’s important to note that coverage may be subject to policy terms and conditions. Certain restrictions may apply based on applicable sanction laws or regulations.
For a comprehensive understanding of your coverage and any limitations, it is advisable to review your policy terms and conditions, as well as consult with your insurance provider.
| Geographical Area of Cover | Scope |
|---|---|
| Worldwide | Global coverage, including the United States |
| Cover Excluding USA | Global coverage excluding the United States |
| Africa-only | Coverage limited to countries within Africa |
Cancer Screening and Preventive Care
Expat International Health Insurance understands the importance of early detection in preventing illness or disease. That’s why our comprehensive plans include coverage for cancer screening benefits and preventive care.
When you choose our insurance, you gain access to a wide range of preventive services, including health checks, tests, and immunizations. Regular health check-ups allow for early detection and prompt treatment, which can significantly improve your chances of a successful recovery.
“Prevention is better than cure.” – Unknown
Our goal is to prioritize your well-being and empower you to take control of your health. By offering coverage for cancer screening and preventive care, we aim to ensure that you have the necessary tools and resources to maintain optimal health and wellness.
Benefits of Cancer Screening and Preventive Care
Cancer screening helps detect potential cancerous cells at an early stage, increasing the likelihood of successful treatment. Regular tests can identify abnormalities before they develop into more serious conditions, allowing for early intervention.
Preventive care coverage includes a range of immunizations, such as vaccines for hepatitis, flu, pneumonia, and HPV. These vaccinations can protect you from preventable diseases and lower your risk of developing certain cancers.
By prioritizing cancer screening and preventive care, you are actively investing in your long-term health and well-being. Early detection combined with preventive measures can significantly reduce the impact of diseases and improve your overall quality of life.
Insurance Coverage and Terms
Specific coverage for cancer screening and preventive care may vary depending on the plan you select. To understand the details of your coverage, we encourage you to review your Insurance Certificate, Benefit Guide, and Table of Benefits.
| Insurance Coverage | Details |
|---|---|
| Cancer Screening | Coverage for various screening procedures, including mammograms, Pap smears, colonoscopies, and prostate-specific antigen (PSA) tests. |
| Preventive Care | Includes health checks, routine physical exams, vaccinations, and screenings for diabetes, high blood pressure, cholesterol, and more. |
| Immunizations | Protection against preventable diseases through vaccines, including hepatitis, flu, pneumonia, and HPV. |
At Expat International Health Insurance, we prioritize your health and overall well-being. Our coverage options are designed to provide peace of mind, knowing that you have access to cancer screening and preventive care services to safeguard your long-term health.
Top International Health Insurance Providers
When it comes to choosing the right international health insurance provider, it’s essential to consider various factors to ensure comprehensive coverage and peace of mind. Here are some of the top international health insurance providers, ranked based on their network size, breadth of benefits, added features, claim filing process, premium customization options, and financial stability rating:
- Cigna Global
- GeoBlue
- International Medical Group (IMG)
- William Russell
- Bupa Global
- Now Health International
- Integra Global
These providers are renowned for their commitment to delivering high-quality healthcare solutions for expatriates. They offer a wide range of benefits and services to cater to the unique needs of individuals living and working abroad.
With a global network of healthcare providers and extensive coverage options, Cigna Global ensures that you have access to the best medical facilities worldwide. They also provide flexible plan options and have a high financial stability rating.
GeoBlue’s Xplorer Plan is specifically designed for U.S. citizens living abroad, offering comprehensive coverage, a vast network of healthcare providers, and easy claim filing. GeoBlue also provides telehealth services to enhance your healthcare experience.
International Medical Group (IMG) offers a wide range of products, including affordable coverage options for individuals, families, and groups. Their plans cover preventative care and provide the flexibility to add additional coverage options based on your needs. IMG has a strong financial stability rating, ensuring your peace of mind.
William Russell is known for its personalized service and comprehensive coverage options. Their plans include coverage for cancer care and preventative care, allowing you to prioritize your health. With customizable rates based on deductibles and coverage areas, William Russell aims to meet your unique requirements. They also have a high financial stability rating.
Choosing the right international health insurance provider is crucial for your well-being when living abroad. Consider evaluating these top providers and their offerings to make an informed decision tailored to your needs and preferences.
Cigna Global Insurance
Cigna Global Insurance is a trusted name in the international health insurance industry, providing comprehensive coverage and flexible options for expatriates and global citizens. With Cigna Global Insurance, you can have peace of mind knowing that your health needs are well taken care of, no matter where you are in the world.
When it comes to comprehensive coverage, Cigna Global Insurance has you covered from head to toe. Their plans include a wide range of benefits, including in-patient and day-care treatments, outpatient care, dental coverage, and maternity coverage. Whether you need to be hospitalized or require preventive care, Cigna Global Insurance ensures that you have the necessary support and financial protection.
What sets Cigna Global Insurance apart is their commitment to providing access to international doctors and hospitals. They have an extensive network of healthcare providers around the world, ensuring that you can choose from a wide range of medical professionals who meet your needs and preferences. Whether you need a specialist consultation, surgery, or any other medical procedure, Cigna Global Insurance offers access to high-quality healthcare services globally.
With a high rating from A.M. Best, Cigna Global Insurance demonstrates their financial stability and commitment to providing reliable coverage and excellent customer service. This rating reflects their strong financial standing and ability to meet their policyholders’ needs.
Choose Cigna Global Insurance for comprehensive coverage, flexible options, and access to international doctors and hospitals. With their commitment to delivering quality healthcare services and their A.M. Best rating, you can trust Cigna Global Insurance to protect your health and well-being, no matter where life takes you.
GeoBlue Xplorer Plan
Looking for comprehensive health insurance coverage while living abroad as a U.S. citizen? Look no further than the GeoBlue Xplorer Plan. This plan offers extensive coverage worldwide, ensuring that you have access to quality healthcare wherever you go.
One of the key features of the GeoBlue Xplorer Plan is its extensive network of healthcare providers. With GeoBlue, you can be confident that you’ll have access to a wide range of doctors, hospitals, and specialists, no matter where you are in the world.
Claim filing is made easy with GeoBlue. They have a user-friendly claims process that takes the hassle out of submitting and tracking your claims. Plus, their customer service team is always available to assist you with any questions or concerns you may have.
GeoBlue understands the importance of convenient healthcare, which is why they offer telehealth services. With telehealth, you can consult with a healthcare professional remotely, eliminating the need for in-person appointments for non-emergency medical concerns.
When choosing your insurance provider, it’s essential to consider their financial stability. GeoBlue has received a high rating from A.M. Best, a trusted rating agency in the insurance industry. This rating reflects their financial strength and stability, giving you peace of mind that they will be there for you when you need them most.
Experience the benefits of the GeoBlue Xplorer Plan and ensure that you have the coverage you need as a U.S. citizen living abroad. Don’t compromise on your health and well-being – choose GeoBlue for reliable, comprehensive international health insurance.
“Choosing GeoBlue for my international health insurance was the best decision I made. Their extensive network, easy claim filing, and telehealth services have made my life abroad so much easier. I feel confident knowing that I have reliable coverage whenever I need it.” – Sarah, GeoBlue Xplorer Plan member
International Medical Group (IMG)
When it comes to international health insurance, International Medical Group (IMG) stands out as a trusted provider with a wide range of products. Whether you are an individual, a family, or a group, IMG offers affordable coverage that suits your needs.
IMG’s comprehensive medical insurance includes options for preventative care coverage, ensuring that you can prioritize your health and well-being wherever you are in the world. This means that in addition to covering medical treatments, IMG also focuses on helping you maintain good health through preventive measures.
What sets IMG apart is their commitment to flexibility. They offer add-on options that allow you to customize your coverage and tailor it to your specific requirements. Whether you need additional dental coverage, maternity benefits, or extra protection for repatriation, IMG has you covered.
With an A- rating from A.M. Best, IMG demonstrates financial stability and reliability. This rating assures you that they can provide the support you need in times of medical emergencies or unexpected health issues.
Choose IMG for comprehensive insurance coverage, a wide range of products, affordable rates, and the peace of mind that comes with having a reputable provider by your side. Take care of your health and protect yourself with IMG’s international health insurance.
William Russell
William Russell specializes in providing personalized service and comprehensive coverage to individuals, families, and individuals planning a family. With a commitment to delivering top-notch insurance benefits, William Russell offers a range of customizable rates based on deductibles and selected coverage areas.
One of the key highlights of William Russell’s insurance plans is their comprehensive coverage, which includes cancer care coverage and preventative care coverage. This ensures that policyholders have access to the necessary medical treatments and preventive measures, promoting their overall well-being.
William Russell’s commitment to personalized service sets them apart from other insurance providers. They understand the unique needs of their clients and strive to tailor their services accordingly, providing personalized attention and support to each policyholder.
With an A+ rating from A.M. Best, William Russell demonstrates its financial stability and commitment to excellence. This rating reflects the company’s strong financial position and ability to meet its policyholder obligations.
| Why Choose William Russell |
|---|
| ⢠Personalized service tailored to individual needs |
| ⢠Comprehensive coverage, including cancer care and preventative care coverage |
| ⢠Customizable rates based on deductibles and selected coverage areas |
| ⢠A.M. Best rating of A+, indicating financial stability |
Conclusion
Expat International Health Insurance is the ideal solution for expats living and working abroad. Our comprehensive and customizable plans provide coverage for a wide range of medical needs, ensuring that you have peace of mind no matter where you are in the world. Whether you require in-patient and day-care treatments, outpatient care, dental care, maternity care, or repatriation benefits, our plans are designed to cater to your specific requirements.
Partnering with top international insurance providers, we ensure that you have access to the best coverage available. Our competitive rates take various factors into consideration, allowing you to find a plan that fits your budget. When selecting your international health insurance, it is important to carefully evaluate your individual needs and compare the offerings of different providers. Expat International Health Insurance is committed to providing you with personalized service and comprehensive coverage that meets your unique circumstances.
Don’t leave your health and well-being to chance. Trust Expat International Health Insurance to provide you with the protection and support you need as an expat. With our extensive coverage options and the flexibility to tailor your plan to suit your needs, we ensure that you can focus on enjoying your life abroad with confidence.
FAQ
What is Expat International Health Insurance?
Expat International Health Insurance provides medical coverage for individuals called expats who reside in a foreign country for a prolonged period, usually for work-related reasons.
What does Expat International Health Insurance cover?
Our International health insurance plans include cover for a wide range of in-patient and day-care treatments as well as optional levels of cover such as out-patient, dental, maternity, and repatriation benefits. We also provide coverage for COVID-19 treatment.
How flexible are Expat International Health Insurance plans?
We offer flexibility and choice to enhance your cover according to your needs. Our plans are customizable, allowing you to choose your core plan, add optional plans such as out-patient, dental, maternity, and repatriation cover, and select your area of coverage.
What are the benefits of Expat International Health Insurance for expat professionals?
Expat International Health Insurance offers excellent benefits for expat professionals, including coverage for doctor visits, hospitalization, prescription drugs, emergency medical care, preventive care, and wellness services.
What core plan options are available with Expat International Health Insurance?
Expat International Health Insurance offers a range of core plan options that include comprehensive in-patient benefits and day-care treatments such as hospital accommodation, surgery, medical evacuation, and more. Our plans also include a selection of Global Health Services aimed at improving the quality of your life.
What treatments are covered by Expat International Health Insurance?
Expat International Health Insurance provides coverage for a wide range of in-patient and day-care treatments, including oncology, medical evacuation, nursing at home, rehabilitation treatment, preventive surgery, laser eye treatment, emergency out-patient treatment, and emergency out-patient dental treatment.
Are there discounts available for Expat International Health Insurance?
Expat International Health Insurance offers premium discounts based on various factors. Adding or not adding a maternity plan can result in discounts ranging from 0% to 60%. Premiums can also vary based on age, area of coverage, payment frequency, sex, and deductibles.
Can I choose my area of coverage with Expat International Health Insurance?
Yes, when choosing your plan, you have the option to select your area of coverage: Worldwide, Worldwide excluding USA, or Africa only. However, coverage is subject to policy terms and conditions and may have restrictions based on applicable sanction laws or regulations.
Does Expat International Health Insurance cover cancer screening and preventive care?
Yes, Expat International Health Insurance provides coverage for cancer screening for the early detection of illness or disease. This may include health checks, tests, and immunizations.
What are some top international health insurance providers?
Some top international health insurance providers include Cigna Global, GeoBlue, International Medical Group (IMG), William Russell, Bupa Global, Now Health International, and Integra Global.
What are the benefits of choosing Cigna Global Insurance?
Cigna Global Insurance is one of the leading international health insurance providers, offering comprehensive coverage, flexible options, access to a wide network of international doctors and hospitals, and a high rating from A.M. Best indicating financial stability.
What is the GeoBlue Xplorer Plan?
The GeoBlue Xplorer Plan is an excellent option for U.S. citizens living abroad, offering coverage worldwide, an extensive network of healthcare providers, easy claim filing, access to telehealth services, and a high rating from A.M. Best indicating financial stability.
What does International Medical Group (IMG) offer?
International Medical Group (IMG) offers a wide range of products, including affordable coverage for individuals, families, and groups. They provide comprehensive medical insurance with options for preventative care coverage and add-on options for additional coverage. They have an A- rating from A.M. Best indicating financial stability.
What are the features of William Russell?
William Russell specializes in providing private insurance benefits to individuals and families, offering personalized service, comprehensive coverage, including cancer care and preventative care coverage, customizable rates based on deductibles and selected coverage areas, and an A+ rating from A.M. Best indicating financial stability.
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