International Health Insurance Plans

These plans offer annually renewable International Medical Insurance 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.

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 "Maximum per day for Hospital Room benefit; Maximum per day for Intensive Care benefit" can lead to a hospital billing you above your deductible for charges over the maximum benefit.

Meridian Enhanced - Comprehensive Benefits

Azimuth Risk — The Meridian Enhanced plan offers the premier benefits available in the international medical insurance market today. If it is important to you that only the best medical insurance plan will be sufficient for you, the Meridian Enhanced provides the richest in benefits while still offering you the kind of quality premium value that only Azimuth is able to provide. This is an ideal plan for those who need a full range of medical benefits. [More information]

Meridian Basic - Comprehensive Benefits

Azimuth Risk — The Meridian Basic provides a premium menu of essential, generous, yet affordable benefits. If great value at a price which will still allow room for the rest of life's expenses is vital to you, the Meridian Basic is the right fit for you. This is an ideal plan for those who need strong major medical benefits at an affordable price. [More information]

Meridian Clear - Scheduled Benefits

Azimuth Risk — The Meridian Clear Plan provides coverage to a much broader segment of the international medical insurance market than has been available in the past. Azimuth does this by providing predictable benefit amounts for unforeseeable illnesses and injuries at an affordable premium point. There are different choices available to you in the international medical insurance market; the key is selecting an insurance provider which you can be confident will be available to you at your time of need, which understands the culture of international living and has the security to weather the financial environment in the world as it is today. By choosing Meridian Clear, you can be certain that you have made the correct selection on all counts. [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]

GeoBlue Xplorer - Comprehensive Benefits

HTH Worldwide — Provides US-style coverage up to $5,000,000. The Xplorer health plan has met the standards of state regulators and thus features benefits more generous than non-admitted "surplus coverage." There are no waiting periods associated with most benefits or services and no pre-certification is required. The plan is using HIPAA guidelines and the pre-existing condition exclusion can be waived subject to proof of prior creditable insurance. In addition, the plan automatically covers injuries or illnesses that are a result of a terrorist act. [More information]

GeoBlue Essential - Comprehensive Benefits

HTH Worldwide — is a $5,000,000 lifetime benefit Major Medical plan. If you are a world traveler covered by Medicare or by a domestic U.S. plan offered by your employer - or if you have no immediate plans to return to the U.S., GeoBlue Essential is tailored to your needs. By trimming away coverage for health services in the U.S. and keeping the comprehensive Essential benefits outside the U.S., the Essential plan delivers outstanding value and service.

GeoBlue Essential functions as a primary health insurance plan outside the U.S., filling the gaps left by Medicare and domestic U.S. plans or delivering precisely the coverage an expatriate needs. [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 Plus - Comprehensive Benefits

IMG (International Medical Group) — Provides US-style coverage up to $5,000,000. GMI Gold Plus 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]

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]

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]

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.