IMG's international medical insurance options include plans that have been designed specifically to serve the needs of expatriates and their families, and can provide invaluable peace of mind for globally mobile citizens. InterGlobal is now part of Aetna, one of the largest and most innovative providers of international medical insurance. Find out how Aetna International’s CARE team offers support and peace of mind for members while they’re away from home. Electing a benefits-rich plan and adding optional coverage will increase the premium. If a covered illness or injury unfortunately results in death, this benefits provides coverage for repatriation of bodily remains or ashes to your home country will be covered; or for the preparation, local burial or cremation of your mortal remains, at the place of death. She was taken to a facility in Turkey, where she received emergency medical treatment. To help us find the right expat health insurance plan for you, please tell us about yourself. See details under the IRS foreign earned income exclusion test. $50 maximum per visit, Subject to deductible and coinsurance. This is a positive development for American expatriates who have historically had limited choices for coverage. Our expatriate insurance plans provide different levels of cover, additional extras and excesses that are right for individuals and families. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution). ✔  Customer satisfaction over 96% What is the Definition of an "Expatriate Health Plan? Not subject to deductible or coinsurance, $1,500 maximum limit per event. $500 per period of coverage - not subject to deductible or coinsurance. Let’s arrange a phone call with an expert. Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families, Maximum limit options from $1,000,000 to $8,000,000, Long-term (1+ year) comprehensive worldwide medical insurance for missionaries, Long-term (1+ year) comprehensive worldwide medical insurance for marine captains & crews, Maximum limits from $1,000,000 to $8,000,000, Premium modes to schedule the frequency of payment that meets your needs. International health insurance for expats and immigrants covers your medical expenses while you’re living in another country long-term. Legal|Privacy Policy, Less than $100 per month for a healthy adult*. Comprehensive, employer-sponsored group health insurance for internationally assigned employees. These include vaccinations, annual medical check-ups and cervical smears. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. The coverage type and health insurance policy/scheme would define the cost of your medical needs. Explore health insurance quotes Make note of country-specific factors Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country. Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country. These highly competitive plans can offer special rates and convenient lump sum payments for premiums. The more coverage that’s selected, the more the plan will cost. That sums up our post on insurance for expats in Vietnam. These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015. Choosing a coverage area that includes the United States increases the premium, due to the high costs of medical care in the country. Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates. The Insurance Contract is the only source of the actual benefits provided. Benefits are subject to exclusions and limitations. Subject to deductible and coinsurance. There are three main reasons expats keep coming back to World Nomads for their travel insurance: in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing Before expatriates start a new life in a new country, it’s essential that they take steps to protect their health and well-being. Expat retirees often opt for private medical insurance as well, however, due to the limitations of the public system. Our Business Success Thai Expat Club offers access to affordable health and medical insurance for foreigners living, visiting or working in Thailand. GMI is not intended to provide U.S. citizens residing in the U.S. with health insurance. Being an expat brings along with it, its own set of challenges; your health should not be one. Expat health insurance from Aetna International is an annually renewable policy, which provides worldwide health cover to globally mobile individuals and families. You can depend on our clinical knowledge when pre-trip planning ― especially important if you have a chronic health condition or are pregnant. With the ability to communicate in more than 170 languages, our member support is available 24/7. 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. $2,500 maximum limit. We specialize in expat health and wellness insurance plans for businesses. Please note that IMG’s Global Medical Insurance Plan does not meet the definition of “minimum essential coverage” under PPACA. We’ll also ask about any pre-existing medical conditions and then we can get you covered. This needs to be renewed annually. Learn more about the importance of expat health insurance by reading a testimonial written by one of our members. 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. Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else. International health insurance takes the guesswork out of healthcare costs with a predictable monthly bill. The actual rates and benefits are governed by the Insurance Contract and nothing else. Hopefully you are now well on your way to understanding how insurance in Vietnam works and what to look for when buying it. Speak to one of our advisors to learn more about what’s included in each policy. The United Arab Emirates, for example, requires health insurance for all short- and long-term visitors, including expatriates. Expatriate international health insurance. Expatriate Health Insurance for American Expats Abroad: We would suggest three options for US citizens living abroad. **If applicants can verify their prior comprehensive health insurance, with no significant break We use cookies to give you the best possible online experience. Not subject to deductible and coinsurance, $10,000 lifetime maximum. To find a medical plan that covers your pre-existing conditions, please speak to one of our advisors. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). Remote working & physical distancing support resources, Emergency evacuations and medical transport, Access to doctors and prescription drugs in medical emergencies. We communicate in English and help you avoid the confusion which comes from not being able to speak Thai or communicate satisfactory with Thai Insurance Companies. Expat health insurance plans cover inside and outside the individuals' home country. You have been redirected to an Aetna International site. To continue, please close this message or navigate using the links above. The most popular plan would be the Cigna Global Medical plan as it offers a wide range of plans and a modular plan design allowing US Expats to design a … The exemption applies to a U.S. citizen who has a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country. This is where Health Insurance steps in, so that one can have access to the best healthcare without fearing the financial strain. Access to high-quality, reliable health care is an important priority for people travelling internationally, especially if they’re moving or living overseas with family. Comprehensive worldwide medical insurance program for missionaries, Comprehensive worldwide medical insurance program for marine captains & crew members. Please refer to the fax number, email address, or mailing address on your IMG documents. Get a whole lot more. We have a range of plans to choose from, some of which include expat dental insurance as standard. Our expatriate health insurance plans provide you and your family with world-class insurance coverage for medical expenses when living and working abroad. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. I am a U.S. Citizen. Not obtaining maternity coverage. Creditable Coverage is defined Comprehensive worldwide medical insurance program for individuals and families, Subject to deductible and coinsurance unless otherwise noted. (PPACA). Maternity care in private hospitals in many countries can be very … Insurers can pay a nominal amount and switch from one policy to another. 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. This benefit, typically available once you have maintained continuous coverage for a specified period, provides you coverage for pre-existing conditions that may have been excluded from coverage on other plans. Regency for Expats is an established international private health insurance provider for globally mobile people, serving individuals, families and corporate clients in over 120 countries. 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/thailand. 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”). Cigna Global Expat Health Insurance provides employers a variety of different solutions based on their medical insurance needs. If you are an employer or a business with a global workforce, please visit our dedicated employers page. To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following: The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and. In the event of medical emergencies abroad, our policies include personal security advice and support to ensure total peace of mind, for you and your family. Expat Health, Global Health Topics, Health Insurance, Healthcare health insurance, healthcare abroad, healthcare costs Spain declares war on alternative healthcare The Spanish government has moved to ban alternative medicine from all health centres to avoid the ‘potential harmful effects’ of such practices. Language Assistance: العربية | 中文 | Kreyòl Ayisyen | Français | Deutsch | Italiano | 日本語 | 한국어| فارسی | Polski | Português | Pусский| Español | Tagalog  | Tiếng Việt. Unlike registering a car, getting a driver’s license, and opening a bank account – this is one of the big “expat” things to do here that does not require residency. See our cookie policy for more information on how we use cookies and how you can manage them. Yes, claims can be made from any private medical facility. Like all general health insurance policies, all expat health insurance policies are typically valid for 1 year after the date of issuance. Yes. 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. You can either get a quote online or call us to discuss your requirements. Subject to deductible. Whether you’re relocating to a single location, or travelling globally, you’ve got options. 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. We even provide for prostate cancer screening and mammograms for the over 45’s. Links to various non-Aetna sites are provided for your convenience only. These plans can be customized to suit the needs of expatriate individuals, families and groups. The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. UltraCare policies in Thailand are insured by Safety Insurance plc and reinsured by Aetna Insurance Company Limited, part of Aetna International. 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. $70 maximum per visit, 3 visit limit per period of coverage. 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