Health Insurance Plans for Expats & Global Citizens (2024)

Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individualDeductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.Treatment inside the U.S. using Medical Concierge50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.Treatment inside the U.S. - PPO NetworkSubject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Treatment inside the U.S. - Non-PPO NetworkSubject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.CoinsuranceInternational – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% Outpatient

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges (medical order or treatment plan required)
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsuranceSubject to deductible and coinsuranceMental/Nervous N/AOutpatient after 12 months of continuous coverage.$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.$50,000 lifetime maximumHospital Emergency Room Injury Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceHospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientHospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rateIntensive Care Unit Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsuranceSubject to deductible and coinsuranceCAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsuranceSubject to deductible and coinsuranceSurgery Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceAssistant Surgeon20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s chargeChemotherapy or Radiation TherapySubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceMaternity
Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) N/AN/AN/A

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Podiatry CareN/AN/A$750 maximum limit$750 maximum limitPhysical Therapy

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Transplants $250,000 lifetime maximum$250,000 lifetime maximum$1,000,000 lifetime maximum$2,000,000 lifetime maximumPrescription Drugs, Dressings, and Durable Medical Equipment

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event
(includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Expatriate Prescription Services ProgramN/AN/AN/A

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Orphan or Biologic Drugs
(Available when all conditions are met)

• Approved in writing by company
• Medically necessary
• Not experimental or investigational

Applies to period of coverage max. Max limit applies towards lifetime max.

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

Healthy Travel Preventative Coverage$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination Vision Optional RiderOptional RiderOptional Rider$100 maximum per 24 months for exams. $150 per 24 months for materials Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) $1,500 maximum limit per event - not subject to deductible or coinsurance.$1,500 maximum limit per event - not subject to deductible or coinsurance.Subject to deductible and coinsuranceNot subject to deductible and coinsuranceEmergency Evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. Up to lifetime maximum limit.
Not subject to deductible or coinsurance. Up to lifetime maximum limit.
Not subject to deductible or coinsurance. Emergency Reunion $10,000 lifetime maximum. Not subject to deductible or coinsuranceN/A$10,000 lifetime maximum. Not subject to deductible or coinsurance$10,000 lifetime maximum. Not subject to deductible or coinsuranceInterfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. onlySubject to deductible and coinsurance.
U.S. only Not subject to deductible or coinsurance.
U.S. onlyPolitical Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximumRemote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum.
Not subject to deductible or coinsuranceReturn of Mortal Remains $25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$50,000 lifetime maximum - not subject to deductible or coinsurance.Complementary Medicine N/AN/A$500 maximum limit per period of coverage $500 maximum limit per period of coverage Traumatic Dental Injury
Treatment at a hospital facility$1,000 per period of coverage$1,000 per period of coverageUp to the lifetime maximum limitUp to the lifetime maximum limitTreatment Due to Unexpected Pain to Sound, Natural TeethN/A N/A $100 per period of coverage 100%Non-Emergency Treatment at a Dental Provider due to an AccidentN/A N/A $500 per period of coverageSee Non-Emergency Dental benefitNon-emergency Dental Optional RiderOptional RiderOptional Rider$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative servicesHospital Indemnity
(Inpatient hospitalization outside the U.S. only) Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Supplemental Accident N/AN/A$300 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance $500 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance Adult Preventative Care
(Age 19 or older)N/AN/A$250 per period of coverage.
Not subject to deductible or coinsurance $500 per period of coverage.
Not subject to deductible or coinsurance Child Preventative Care
(Through age 18) N/A$70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.$200 maximum per period of coverage.
Not subject to deductible or coinsurance.$400 maximum per period of coverage.
Not subject to deductible or coinsurance.Pre-Existing Conditions Limitation**Excluded$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** Covered if disclosed and not excluded by riderTeleconsultation*N/AN/AYesYesRemote Mental Health ServiceN/AN/AN/AYesTravel Intelligence PortalYesYesYesYes