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Compare Global Medical Insurance Plans

Best International Health Insurance Plans

When living abroad for an extended period (1 year or more), make sure you have the best health coverage possible to insure you and your family should you need medical care. Below you can review and compare global health insurance plans. The companies compared below offer comprehensive worldwide annually renewable health insurance tailored to the needs of expatriates, global nomads or international citizens. We have selected highly rated insurers with excellent customer service, 24/7 emergency assistance and the most extensive network of doctors and healthcare facilities. We offer three plans; each provides essential as well as more comprehensive options with additional benefits and coverage options. Compare for yourself and then give us a call — our experienced staff of insurance experts can then answer any questions that remain and walk you through the process of applying. Need help deciding? Request a quote from our team for free personalized assistance.

International Health Insurance Plan Comparisons

Compare Plans

Plan Name IMG Global Medical Insurance Cigna Global Health Options GeoBlue Xplorer Health Plans
Review / Best For Affordable coverage. Good option for budget-conscious individuals or local nationals looking for private medical insurance. High-quality coverage. Best for expats, families or individuals living abroad for one or more years. Flexible plan design to lower costs. Premium level coverage. Great for U.S. citizens living abroad or internationals residing in the USA. Reduced costs if you maintain a U.S. health plan.
Plan Options Bronze, Silver, Gold, and Platinum Silver, Gold, and Platinum with optional modules Xplorer Essential, Select and Premier
Policy Maximum $1,000,000 – $8,000,000 lifetime per individual $1,000,000, $2,000,000 (per year) or Unlimited Unlimited
Deductible Multiple options from $100 – $25,000 Multiple Options from $0 – $10,000; outpatient visits subject to a separate deductible if elected, no deductible for preventative services Multiple Options from $0 – $5,000; deductible waived for preventative care, office visits, evacuation, and prescriptions
Eligibility All nationalities up to age 74 All nationalities, all ages U.S. citizens up to age 74
Renewable Annually renewable to age 75 (eligible to apply up to age 64) Lifetime renewable Annually renewable to age 84 (eligible to apply up to age 74)
Coverage Area Worldwide or Worldwide excluding USA, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan Worldwide or Worldwide excluding the U.S. Worldwide or Worldwide excluding the U.S.
Home Country Coverage U.S. citizens up to 6 months; all others 12 months per 12-month policy period Up to 6 months per 12-month policy period U.S. citizens up to 9 months per 12-month policy period
Pre-Existing Conditions Pending results of underwriting; Platinum immediately, other plans (excluding Bronze) after 24 months Pending results of underwriting; No waiting period if approved without exclusion, specific exclusions may be added to your plan Pending results of underwriting; 6-month waiting period (waived if there is prior creditable health coverage)
Administrator International Medical Group Cigna GeoBlue
Underwriter Sirius International Cigna 4 Ever Life International
Rating A (A.M. Best) A (A.M. Best) A- (A.M. Best)
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Hospitalization and Maternity Benefits

Hospitalization Semi-private or private rooms, depending on plan Semi-private or private rooms, depending on plan Included
Intensive Care Included Included Included
Maternity Included in Platinum plan after 10 month waiting period ($2500 additional deductible and $50,000 maximum lifetime benefits) 12 month wait for Gold and Platinum plans (up to $7,000 for Gold and up to $14,000 for Platinum) Immediate with Select plan, 364 day wait for maternity upgrade. Covered as any other condition to the unlimited policy maximum
PPO Network Inside the U.S.: FirstHealth or UnitedHealthCare Network

Outside the U.S.: Expansive network

Inside the U.S.: Cigna Open Access Network

Оформление страхового полиса для поездки в Европу

Outside the U.S.: Over 1 million providers worldwide with direct billing options available, no out of network penalty

Inside the U.S.: Blue Cross Blue Shield PPO (92% of doctors, 96% of hospitals participate with BCBS PPO)

Outside the U.S.: GeoBlue elite contracted & profiled providers or you choose medical providers, direct billing is available for inpatient and outpatient, no pentaly out of network

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Preventive and Office Visits

Doctor Visits Included; subject to deductible, no waiting periods Included; subject to deductible if elected, no waiting periods Included; deductible waived, no waiting periods
Prescription Medication Inpatient: Included
Outpatient: coverage varies by plan level
Inpatient: Included
Outpatient: $500, $2,000, or Paid in Full
Inpatient: Included
Outpatient: $1000, upgrade available up to $25,000 (including contraceptives and maintenance meds, subject to qualifying period or prior credible coverage)
Wellness Checkups Included in Silver plan and above after 6-12 month waiting period; Child wellness only on Silver Included with International Outpatient module (routine health checks, vaccinations, etc.), not subject to deductible, no waiting periods Included (routine health checks, vaccinations, etc.), deductible waived, no waiting periods
Mental Health Silver plan and above included after 12 mo. waiting period 100% paid for Platinum, $10,000-Gold, $5,000-Silver Included
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Medical Evacuation and Repatriation

Emergency Evacuation Included, limits vary by plan Paid in Full Up to $250,000
Repatriation Platinum plan only Paid in full Up to $25,000
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International Vision and Dental Coverage

Vision Included in the Platinum plan; Optional on other plans Included at 100% for the Platinum plan with Vision and Dental module, limits on other plans Rider Available for select plan options
Dental Included in the Platinum plan; Emergency included on all other plans, non-emergency optional on all other options Accidental included; Comprehensive dental plans available, ranging from $1,250-$5,500 in preventive, basic and major services annually. Some services subject to waiting periods Accidental dental, $1,000 per year, $200 per tooth, Dental Rider available for select plan options
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For additional options, visit Best 10 International Health Insurance Companies

Let us know if you have any specific questions about comparing International Health Insurance plans. If you are traveling for a shorter period and want less comprehensive insurance, review our Travel Medical and Trip Insurance plans. You can contact us anytime.

You may also want to review our Expatriate Health Insurance Plans or Group International Health Plans.

This comparison of the best global insurance plans contains a summary description of all plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in your fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the «look back» period if the policy does not meet your needs. Contact us for help, guidance and to apply.