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International Health Insurance Coverage Choices
These plans offer annually renewable International Major Medical coverage for expatriate individuals and families. These policies are designed like US styled PPO plans that give you benefits with any doctor and any hospital in the coverage area. Coverage is available for US citizens overseas and non-US citizens anywhere, including the US or their Country of Citizenship . Once you are accepted, these International Health Insurance plans can move with you from country to country... They are annually renewable and most of them are also medically underwritten, meaning that you must complete a full health questionnaire and have that application be accepted by the company. In most cases, these plans allow for complete worldwide coverage. If this is not exactly what you are looking for, you might want to look at the Travel Health Insurance section of the site.
CitizenSecure - Comprehensive Benefits
MNUI (MultiNational Underwriters) — Comprehensive medical benefits combined with worldwide access to premier healthcare facilities, including the US and Canada, and $5,000,000 in lifetime coverage. CitizenSecure offers a Dental Rider, Term Life Rider and a Hazardous Sport Rider to provide flexible choices to their clients. [More information]
Reside Prime Worldwide - Comprehensive Benefits
SevenCorners (Formerly Specialty Risk International) — is a $5,000,000 lifetime benefit Major Medical plan that offers world wide coverage. This plan is underwritten by Certain Underwriters in Lloyd's of London Insurance Marketplace. [More information]
Global Medical Insurance Platinum - Comprehensive Benefits
IMG (International Medical Group) — Provides US-style coverage up to $8,000,000. GMI Platinum is long-term, annually-renewable, major medical insurance that provides coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical, dental & vision benefits. [More information]
Global Medical Insurance Gold - Comprehensive Benefits
IMG (International Medical Group) — Provides US-style coverage up to $5,000,000. GMI Gold is long-term, annually-renewable, major medical insurance that provides worldwide coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical benefits. [More information]
Reside Worldwide - Scheduled Benefits
SevenCorners (Formerly Specialty Risk International)— is a $5,000,000 lifetime benefit "Scheduled Benefit" Major Medical plan that offers world wide coverage. This plan is underwritten by Certain Underwriters in Lloyd's of London Insurance Marketplace. This is a very compelling plan if you are comfortable with seeking care outside of the US, but also want some coverage when you are inside the US. [More information]
CitizenSecure Economy - Scheduled Benefits
MNUI (MultiNational Underwriters) — This Scheduled Benefit Plan features low premiums combined with worldwide access to premier healthcare facilities, including the US and Canada, and $5,000,000 in lifetime coverage. [More information]
Global Medical Insurance Silver - Scheduled Benefits
IMG (International Medical Group) — Provides US-style coverage up to $5,000,000 in a Scheduled Benefit design. GMI Silver is long-term, annually-renewable, major medical insurance that provides lower priced coverage to individuals and families of all nationalities. This is an ideal plan for those who need lower priced medical benefits. [More information]
Global Mission Medical Insurance - Comprehensive Benefits
IMG (International Medical Group) — Global Mission Medical Insurance is long-term, annually-renewable, major medical insurance that provides worldwide coverage to missionaries and their families of all nationalities. This is an ideal plan for those who need a full range of medical benefits. [More information]
Global Mission Basic - Scheduled Benefits
IMG (International Medical Group) — Global Mission Basic is designed to provide coverage similar to Global Mission Medical Insurance, however, it features specific dollar limits on most benefits. This is the perfect plan for missionaries who want coverage for a variety of medical services, but are seeking to reduce their premium costs. [More information]
InterGlobal Limited — The UltraCare plans from InterGlobal and benefit rich designs with the added bonus of being Guaranteed Issue. There are no medical questions to answer when you apply, and you will not be declined. This is also annually renewable. [More information]
William Russell Limited — This plan is designed for expatriates of all nationalities looking for worldwide coverage. Four plan designs are available to fit any budget. [ More information]
Comprehensive Benefit Plans
This type of plan design is much better coverage than a Scheduled Benefit plan. With this type of plan your "out of pocket maximum" is much more certain. This also tends to be more expensive than a Scheduled Benefit design.
Scheduled Benefit Plans
This type of plan is designed to be lower priced than the Comprehensive plans. Outside of the US, the benefit levels are adequate. The most important benefit difference in this design is that the "$600 maximum per day for Hospital Room; $1,500 maximum per day for Intensive Care" can lead to a hospital billing you above your deductible for charges over the maximum benefit.