Expat Insurance: Health, Life, and Travel Insurance (2024)

If you are living outside your home country, you will be advised to invest in credible and reliable expatriate health insurance plans. This can protect you and your family from the high cost of healthcare services abroad. For an additional layer of protection, consider a quality global life insurance plan.

In this article, we will discuss in detail the best insurance to consider and the frequently asked questions on applying for cover. Once you understand the coverage and benefits, follow the links below to request more information along with a quote.

If you live outside your home country, investing in a credible and reliable expat insurance plan is wise. This can protect you and your family from the high cost of healthcare services abroad. You may also want to consider life insurance to provide additional security for your family. Finally, if you travel abroad from your new home country, we recommend some travel insurance plans to consider.

In this article, we will discuss in detail the best insurance to consider and the frequently asked questions on how to apply for coverage.

An expatriate is typically defined as someone living outside his or her country of citizenship. Commonly, they are assigned to a foreign location for work purposes. There are various reasons why someone would choose to live abroad so the definition can be broader than that.

Expatriate insurance is an insurance plan that provides coverage and benefits to someone living in a foreign country. Plans include health, life, and travel insurance plans. Expats may also need additional plans to cover auto, disability, or workers' compensation.

Do You Need Coverage for Your Expatriate Employees?

If you are an employer with two or more international employees, we can help you research and secure a group plan providing your organization with global coverage for your expatriate population.

Best Health Insurance for Expatriates

Many international workers are not covered under a corporate or group plan. For those individuals (or families), aninternational health insurance policy should be purchased. These policies provide either worldwide or regional medical coverage and can also include components of trip insurance, evacuation services, and repatriation benefits. The best providers have global networks of healthcare providers that you can access and will "direct-pay" to hospitals & caregivers.

Cigna Global Expat Insurance

TheCigna Global Health Insuranceplan is a greatexpat health insurance option for many reasons. Clients like the modular policy design, which allows you to pick certain benefit packages that you need while excluding certain benefits that you do not. Additionally, the service is excellent - which is what you are really paying for. Claims are processed quickly. Finally, the global network of doctors and hospitals is very strong.

Underwriting is the process through which your expat insurance application is reviewed. The insurer decides whether to grant approval or deny your application. When approved, your premium will also be determined through this process.

Typically, it is during the medical underwriting process wherein the insurer asks a series of questions to determine the medical history of an applicant. The insurer also discloses here what they can cover based on your qualifications.

You will be required to get documentation from doctors as well as other healthcare providers. If you do not have any symptoms upon approval or have not undergone treatment for any medical issue for a specified period, you may be offered coverage on the understanding that you will go through the underwriting process again every time you claim against the policy.

Cigna Global offers affordable options with a modular plan design. The modularity of their coverage allows you to choose the coverage you want and leave off what you do not need, so you only pay for the selected benefits.

Please request a quote from us for free to get a price. We can also provide you with quotes from other providers so you can compare various options.

Review every detail of any insurance plan before purchasing it. Read the policy certificate and rules before finalizing your decision. These documents contain everything you need to know about the policy, including what is and what is not covered by the plan.

Although many providers do not specifically list pre-existing conditions as an exclusion, certain conditions may be excluded from the plan during the underwriting process. Make sure you read them through so you will not be surprised or caught off-guard when filing a claim.

Best Policies Based on Where You Will Be Living

International life insurance coverage provides additional peace of mind because it takes care of your family’s financial needs should something happen to you while living overseas. The policy you have in your home country probably won't pay out if you pass away while living in another country, so an international life insurance plan fills that gap. Learn more in this guide for choosing the best life insurance for international citizens.

Do your research to figure out how much coverage you need based on your current and projected expenses. Then pick a plan based on your needs and your budget. Click to get a free quote and we will help you decide which plan is better suited for your needs.

The cost of an expatriate life plan depends on your age, health, policy term length, and the amount of coverage you purchase. Deciding how much coverage you need is a smart investment decision to protect you and your loved ones from expenses should one or the other pass away.

Typically, international life insurance policies will pay a designated beneficiary upon your death to cover medical bills, living expenses, education costs, and other expenses. The amount paid by the insurance can offset the loss of your income for your loved ones.

Review the life insurance plans available from Unisure Group and William Russell. Both insurers designed their life insurance plans with expatriates and international travelers in mind.

The Atlas Travel Insurance plan is a great international travel plan for expats and is available to most all travelers worldwide. The service is very good and the cost is affordable.

ThePatriot Travel planprovides coverage for people traveling outside their residence country whose destination includes the U.S. or its territories. Meaning, a U.S. citizen residing in a foreign country can purchase a Patriot America plan to visit the U.S.

• International Health Insurance
• ACA, Obamacare, and US Citizens Abroad
• What is an Expatriate - A Definition of Expat Life
• China Health Care for Foreigners
• Visitors Insurance for Travelers
• Overseas Health Plans

Author / Editor: Joe Cronin, Founder and President of International Citizens Insurance. Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter.