But, more importantly…"As an expat, why do I need to know?". While not all countries require expatriates to purchase international medical insurance, in most cases, it’s wise to have some level of supplemental coverage. Non-EU Expats can save even more, by joining our special expat tariff. Our round-the-clock emergency medical support centers will help you find private hospitals and doctors anywhere in the world, any time you need them. When it comes to health care, expatriates have even more to consider before packing their bags and relocating to a new country. $10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage. You are eligible for our Global Medical insurance plan if you reside outside of the U.S. or have a good faith intent to reside outside of the U.S. for six months or more in a calendar year. IMG’s expatriate health insurance plans offer excellent coverage at a competitive price. Absolutely! Every attempt will be made to process your application timely. IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. Long-term individual plans can cost less than $100 per month* for a healthy adult. The specific time frame depends largely on the type of coverage for which you are applying. $40 maximum per visit – 10 visit limit per event. There is a variety of international health, travel, and trip insurance plans. You can access our plans by following the links below: Please read the terms and conditions of the Aetna International website, which may differ from the terms and conditions of www.interglobal.com/vietnam. Expatriate health plans qualify as minimum essential coverage. Dental cover can also be easily added to other plans. We’ll also ask about any pre-existing medical conditions and then we can get you covered. Speak to one of our advisors to learn more about what’s included in each policy. Thailand Expat Health Insurance Guide Thailand is the stuff of dreams; white sandy beaches, year-round warmth and some of the most exciting cities in the world. $70 maximum per visit, 3 visit limit per period of coverage. conditions waiver (final decision is subject to Underwriters approval). Yes, claims can be made from any private medical facility. Covered only if admitted as inpatient, Subject to deductible and coinsurance. We are unable to provide cover in sanctioned countries which currently include Crimea (Annexed Region of Ukraine), Cuba, Iran, North Korea, Sudan (North) and Syria. International medical insurance to suit you We offer five levels of cover to help you find the right international private medical insurance, based on your needs and budget. Our expat health insurance plans offer excellent benefits for expat professionals, and optional extras to help you tailor your cover according to your needs. $250 per period of coverage - not subject to deductible or coinsurance. With an international health plan from IMG, you have medical coverage worldwide. $300 of Eligible Medical Expenses following an accident, $500 of Eligible Medical Expenses following an accident. These include vaccinations, annual medical check-ups and cervical smears. Usually, it’ll cover you for a wide range of healthcare – from medical emergencies to just preventative healthcare. These plans can be customized to suit the needs of expatriate individuals, families and groups. Choosing a coverage area that includes the United States increases the premium, due to the high costs of medical care in the country. There are also special provisions for members 501(c)(3) and 501(c)(4) organizations who are traveling or relocating internationally for the organization, including students and religious missionaries. See details under the IRS foreign earned income exclusion test. Explore health insurance quotes Make note of country-specific factors This needs to be renewed annually. Depending on the destination, some expatriates may need to consider country-specific health care regulations when researching coverage options. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico. View all of our expat health insurance plans. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places. This allows you to continue ongoing treatments abroad or make a claim from more than one location. World Nomads was founded by, and is operated by, people who have lived and worked overseas. Either way, we just need some details about where and when you’re moving abroad. Cigna Worldwide Life Insurance Company Ltd Cigna Global Health Options Customer Service 15/F, 28 Hennessy Road Wan Chai Hong Kong--Treatment incurred in Singapore Cigna Europe Insurance Company S.A.-N.V. Singapore Branch Cigna Global Health Options 152 Beach Road #26-05 The Gateway East Singapore 189721 *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. Expatriate health insurance is specifically designed to provide coverage for the same range of medical treatments that you would usually have in your home country. Please note that IMG’s Global Medical Insurance Plan does not meet the definition of “minimum essential coverage” under PPACA. Coverage becomes more expensive as you grow older, due to increasing risks of health problems. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options. Not subject to deductible or coinsurance. Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S. Under PPACA, all U.S. citizens, nationals and resident aliens will be required to purchase minimum essential coverage (PPACA compliant coverage), unless they are exempt. I am a U.S. Citizen. A small island nation north of the equator, Singapore is located in Southeast Asia and is the world’s only island city-state — being both the country and its capital. Our expatriate insurance plans provide different levels of cover, additional extras and excesses that are right for individuals and families. In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country); Qualified Expatriates Outside of the U.S.: The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. Not subject to deductible or coinsurance. Depending on the expat health insurance plan purchased, some of the key benefits provided can include: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). These plans can be customized to suit the needs of expatriate individuals, families and groups. These highly competitive plans can offer special rates and convenient lump sum payments for premiums. No coinsurance. Expat health insurance (sometimes referred to as “incoming insurance”) is a great solution for your first year or two in Germany. IMG offers members a discount when they pay for coverage on an annual basis, as opposed to monthly, quarterly or semi-annually. It can often be confused with travel insurance which differs significantly offering emergency cover while you are abroad on holiday. International health insurance. $40 maximum per visit – 30 visit limit, Subject to deductible and coinsurance. Creditable Coverage is defined Expats health insurance quotes in the UK The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Registration with the IESS will get you a number of benefits, in addition to healthcare, if you are over the age of 65. We’ve been named "Best International Private Health Care Provider" and "Health Insurer of the Year.” Not surprising given our nearly 60 years’ experience providing expat health and wellness insurance products. Subject to deductible. Subject to deductible and coinsurance. Expat Insurance is our valued Employee Health & Benefits partner supporting us with advice, insights and negotiation with insurers on our behalf. ✔  Trusted by 55 million member worldwide. Electing a benefits-rich plan and adding optional coverage will increase the premium. Our expat health and wellness insurance plans can cover those maintaining more than one country of residence, or multi-trip placements. Allianz Worldwide. There are three main reasons expats keep coming back to World Nomads for their travel insurance: **If applicants can verify their prior comprehensive health insurance, with no significant break IMG arranged an evacuation and coordinated his return to his home country, where he received medical care at a facility close to his family. The cost of an expatriate health insurance plan varies based on many factors, including: *Based on a healthy 30-year-old male purchasing a Global Medical Insurance policy from International Medical Group. What is the Definition of an "Expatriate Health Plan? The plan satisfies a number of coverage requirements set forth in the Public Health Service Act (PHSA), Internal Revenue Code, and ERISA, other than those added by the ACA (e.g., NMHPA, MHPAEA, WHCRA, Michelle’s law). Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else. Long-term (1+ year) medical coverage for professional marine crew. Not subject to deductible or coinsurance. Learn more about the importance of expat health insurance by reading a testimonial written by one of our members. Available on the Global Medical Insurance – Platinum plan, this benefit covers the costs of transportation to the nearest place of safety or for repatriation to your home country or country of residence if certain conditions are met. We even provide for prostate cancer screening and mammograms for the over 45’s. The actual rates and benefits are governed by the Insurance Contract and nothing else. Login to your MyIMG account to manage account information, submit claims, monitor claims status, and much more from anywhere in the world, at any time. Expatriate international health insurance. We have a range of plans to choose from, some of which include expat dental insurance as standard. An expatriate’s health may be considered during the underwriting process. Getting health insurance in Mexico as an expat is a relatively easy straight-forward process. These policies include worldwide medical protection and also can include evacuation services. For all other locations please speak with one of our advisors. We make it easier for expats in Asia to enjoy and benefit from their time spent abroad by presenting the best health insurance options available on the market. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. $600 maximum per examination. Consider the following real-life scenarios in which expatriates covered by IMG plans experienced medical emergencies abroad: While working away from home in Somalia, an IMG client who had purchased an expatriate insurance plan was involved in a motor vehicle accident and was sent to Kenya for immediate care. See our cookie policy for more information on how we use cookies and how you can manage them. This article answers the question "What is the difference between International Private Medical Insurance and travel insurance?" Are students covered by state medical insurance? Find out how Aetna International’s CARE team offers support and peace of mind for members while they’re away from home. Expat health insurance provides temporary medical coverage for expatriates living abroad. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites. $50,000 lifetime maximum - not subject to deductible or coinsurance. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Expat Health Insurance. It’s good, affordable coverage that fulfils the legal requirements for obtaining a visa or residence permit. If you are an employer or a business with a global workforce, please visit our dedicated employers page. Whether you’re relocating to a single location, or travelling globally, you’ve got options. We specialize in expat health and wellness insurance plans for businesses. Our plans are designed to travel with you, giving you the flexibility to seek treatment in multiple locations. Available after 24 months of continuous coverage.