Expats may not qualify for local health insurance in a foreign country and sometimes expats seek coverage in both the foreign and home countries. Expatriate health insurance plans can fill this need. There are 2 types of plans – short term and long term.
The Short Term Expatriate insurance plans (from 5 days to 3 years) cover eligible expenses due to sudden illness or injury when you are away from home. This is an affordable option for expats seeking comprehensive coverage. A few plans may also offer limited home country protection. These plans usually expire when you return to your home country and do not offer maternity and preventive care benefits. They are ideal if you do not travel back and forth to your home country. Coverage can begin immediately and medical tests and reports are not needed..
Long term insurance plans offer worldwide coverage for a minimum of 1 year. The plans can cover you in your home country and allow for multiple visits in a year. Expats looking for worldwide coverage including the home country can select this option. A health questionnaire must be filled out and coverage can be confirmed if the application meets the guidelines. These plans also offer additional benefits like maternity, pre-existing conditions coverage and preventive care (with a waiting period). Payments can be made monthly, semi-annually, quarterly or annually and coverage can be renewed until eligibility is maintained.
There are many easy ways to purchase short and long term expat health insurance. Get a quote online and compare features of different plans. We are available on the phone and via email to answer any questions you may have. Once you have selected the plan, you can complete the purchase online, over the phone, by fax or by mail. Payment can be made via money order, check, credit card, or wire transfer. Most renewable plans can be renewed online.