International Health Insurance

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International Major Medical Insurance for expats living in any foreign country

International Health Insurance plans are available to all nationalities and are designed to offer worldwide coverage (USA and foreign countries) for global residents, worldwide expats, international citizens, worldwide travelers, sailors and cruisers. International Health Insurance Plans are typically long term plans and include coverage benefits that do not have a limit on the maximum plan life.

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Policy / Benefits			Scheduled or Fixed Benefits Major Medical Plans		Comprehensive Major Medical Plans
			Reside Worldwide Insurance	CitizenSecure Economy	Global Medical Insurance	CitizenSecure Insurance	Global Citizen Insurance	Reside Prime Insurance
Brochure			Policy Brochure	Policy Brochure	Policy Brochure	Policy Brochure	Policy Brochure	Policy Brochure
Eligibility			US Citizens: Must either be outside the US or plan to depart the United States within 30 days of Effective Date. Must also reside outside the US at least 6 months for every 12 month period. Non-US Citizens: Must be outside the US or plan to depart the United States within 30 days of Effective Date. If the Insured Person is located in the United States for more than 30 days after the Effective Date then proof of not being eligible for mainstream US health insurance is required.	US Citizens: Applicants must reside outside the US or plan to depart the US within 30 days of Effective Date. Insured persons must also be residing outside the US for at least 6 of the 12 months. Non-US Citizens: Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance).	US Citizens: Must reside outside the US or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months. Non-US Citizens: Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance).	US Citizens: Applicants must reside outside the US or plan to depart the US within 30 days of Effective Date. Insured persons must also be residing outside the US for at least 6 of the 12 months. Non-US Citizens: Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance).	Residents of the U.S (either U.S. citizens or foreign nationals) up to 74 years, living in Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Illinois, Iowa, Kentucky, Michigan, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, or Wyoming.	U.S. Citizens: Must either be outside the US or plan to depart the United States within 30 days of Effective Date. Must also reside outside the US at least 6 months for every 12 month period. Non-US Citizens: Must be outside the US or plan to depart the United States within 30 days of Effective Date. If the Insured Person is located in the United States for more than 30 days after the Effective Date then proof of not being eligible for mainstream US health insurance is required.
Coverage			Worldwide including USA	Worldwide including USA	Worldwide including USA	Worldwide including USA	Worldwide including USA	Worldwide including USA
Medical Expenses Covered			$5 Million (sub limits exist)	$5 Million (sub limits exist)	$5 Million (no sub-limits)	$5 Million (no sub-limits)	$5 Million (no sub-limits)	$5 Million (no sub-limits)
Co-Insurance			Inside the US: Plan pays 100% if the provider network is used. Outside the US: Plan pays 100%.	Inside the US: Plan pays 100% if the provider network is used. Outside the US: Plan pays 100%.	Inside the US: Plan pays 100% if the provider network is used. Outside the US: Plan pays 100%.	Inside the US: Plan pays 100% if the provider network is used. Outside the US: Plan pays 100%.	Inside the US: Plan pays 80% up to the out of pocket maximum (various options available). Outside the US: Plan pays 100%.	Inside the US: Plan pays 100% if the provider network is used. Outside the US: Plan pays 100%.
Deductibles			Range from $250 to $5,000	Range from $250 to $5,000	Range from $250 to $10,000; Deductible will be reduced by 50% if a network provider is used.	Range from $250 to $5,000	Range from $0 to $5,000	Range from $250 to $5,000
Hospital Room			Semi Private Room: $600 per day (max. 240 consecutive days). Intensive Care Room: $1500 per day (max. 180 consecutive days)	Semi Private Room: $600 per day (max. 240 days per hospitalization). Intensive Care Room: $1500 per day (max. 240 days per hospitalization)	Up to $5 Million (no sub-limits)	Up to $5 Million (no sub-limits)	Up to $5 Million (no sub-limits)	Up to $5 Million (no sub-limits)
Outpatient Doctor Office visits			$70 covered per visit (max 25 visits per year). Deductible and coinsurance apply.	$70 covered per visit (max 25 visits per year). Deductible and coinsurance apply.	Usual, reasonable & customary; Deductible and coinsurance apply.	Usual, reasonable & customary	Inside the US: $30 copay per visit in network. Outside the US: $10 copay	Usual, reasonable & customary
Surgery			Up to $5 Million	Up to $5 Million	Up to $5 Million	Up to $5 Million	100%	Up to $5 Million
Maternity			$4,000 (12 month wait)	$5,000 (12 month wait)	$5,000 for normal delivery; $7,500 for C-section delivery (12 month wait)	Plan pays 50% of first $100,000, then 100% up to $250,000 (12 month wait)	100%	$7,500 (12 month wait)
Pre-existing Condition Coverage			Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage.	Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage.	Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage.	Pre-existing conditions can be covered just as any other illness or injury if disclosed on application and not excluded by Rider.	Pre-existing conditions can be covered after 6 months of continuous coverage (this period can be reduced or eliminated by prior creditable coverage)	Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage.
Dental Coverage			Not available	Optional; Additonal cost	Not available	Optional; Additonal cost	Accidental - $1000 per year, $200 per tooth	Not available
Accidental Death & Dismemberment			$10,000	Optional; Costs extra; Total limit varies with age	Optional; Costs extra; Total limit varies with age	Optional; Costs extra; Total limit varies with age	$50,000	$10,000
Medical Evacuation			$50,000	$50,000	Up to $5 Million	$50,000	Up to $100,000 when outside the US	$50,000
Repatriation of Remains			$25,000	$25,000	$25,000	$25,000	Up to $25,000 when outside the US	$25,000
Payment Options			Monthly, Quarterly, Semi-Annual & Annual	Monthly, Quarterly, Semi-Annual & Annual	Quarterly, Semi-Annual & Annual	Monthly, Quarterly, Semi-Annual & Annual	Monthly	Monthly, Quarterly, Semi-Annual & Annual

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