In today’s shrinking world, it is not uncommon to see people moving to a different country for long periods, in the course of their job. These expatriates need to be appropriately covered by a health insurance plan, if their employers are unable to cover them adequately. An expatriate health insurance plan can cover the plan holder abroad as well as in the home country.
While long term expat health insurance provides wider coverage including the home country, short term insurance might not cover visits to the home country, and does not include benefits such as preventive care and maternity.
One such plan for expatriates is the Global Citizen EXP plan. The plan allows for a range of deductibles to choose from: from no deductible all the way up to $10,000. Most services outside the U.S. are completely paid for by the plan; however, the plan does not provide coverage within the U.S.
The plan features an unlimited lifetime maximum benefit, and a cap of $250,000 for emergency medical evacuation. Those moving to a new country should first check whether they need long term or short term expatriate insurance, and select an appropriate plan.