Global Expat Major Medical Insurance Programs
Select the one scenario below that most closely resembles your health insurance needs, to get started:
(The scenarios on this page are for those planning on being abroad atleast 180 days or longer in any given year. Any less than this, please review the Travel Medical page on our site for shorter term programs or email us with questions .)
Individual or family that is living, working abroad or expatriating outside the USA
Individual or family that is working in missionary field or with humanitarian groups or NGOs
Individual or family (maritime crew or boat owners) that are living or working on yachts, research vessels or cruise ships
If you are with an HR Department looking for group major medical benefits for a corporation / business that has employees globally
Expatriate health insurance plans are essentially international medical insurance plans that are structured for expats that are living and working outside their primary place of origin, for typically long duration stays. Plans do provide coverage options that can include coverage for the USA as well as excluding the USA, with worldwide coverage. Should you be an American Citizen, and are expatriating abroad, you would want to consider including USA benefits should you want or need to come back stateside to seek health care or treatment.
Health insurance for expatriates offers major medical insurance coverage with comprehensive benefits with high or UNLIMITED policy maximums as standard features . Expatriate medical insurance plans are ideally suited for expats who are living and/or working in China, USA, Canada, Mexico, Brazil, UK, Germany, France, Australia, UAE, Singapore, Hong Kong, Japan, India, or any nation abroad for a prolonged period of time. These global major medical insurance plans will allow you to choose where you have treatment (based on the regions you select), and they offer comprehensive coverage at a price point to fit budget and benefit needs, whether you are an individual, family with children and even if you require maternity and wellness benefits.
Since the enactment of Obamacare / PPACA/ ACA in early 2014, this has limited the number of carriers in the international market due to restrictions placed on what plans WITHIN the USA can offer (plans that meet the requirements are termed "ACA Compliant"). GeoBlue, an independent licensee of Blue Cross and Blue Shield, has been the top carrier provider with the richest benefit profile for global major medical insurance plans. Despite their INDIVIDUAL plans still as of this writing (late 2014) not being ACA Compliant, the Xplorer major medical plan for individuals and families is second to none in that it has UNLIMITED max benefits, wellness benefits from day one (with no deductible applicable), among many other features like emergency medical evacuation, repatriation and bedside visit and more. Pregnancy/ maternity benefit is able to be added after being on the plan for 12 months (with premium loading). The plan also does NOT exclude claims that are resultant from acts of terrorism (no additional premium). Coverage for pre-existing conditions is still reviewed with individual underwriting however.
The Group major medical plan from GeoBlue IS ACA COMPLIANT however ! Pre-existing conditions are able to be covered in most group scenarios.
If you or a client are in a group scenario where there are typically 2 or more employees, GeoBlue has a great medical benefits package. Contact one of our brokers today to learn more and get a proposal by using our RFP form .