International Health Insurance
Get the Right Health Care Abroad
New foods to taste. New languages to learn. New cultures to explore. Living and working abroad brings excitement and many new adventures to your life.
To keep yourself and your family protected as you explore your new home, it’s important to choose a worldwide health care plan that fits your specific needs and offers affordable premiums.
That’s where Clements can help. Get a price quote for coverage tailored to your specific needs. With Option A, you can get instant coverage today.
Option A:
No Pre-Existing Condition:
If you and your family have no pre-existing conditions, this provider might be the right choice for you.
Key Features
- Save 5% with an annual payment
- Instant quote & immediate coverage
- Health coverage nearly anywhere in the world, including medical evacuation
- Multiple pricing options for no pre-existing conditions
- The Select plan includes vision, dental, preventative, & maternity care
Option B:
Pre-Existing Condition:
If you or your family have a pre-existing condition or were born before 1948, this might be the right choice for you.
Key Features
- Some pre-existing conditions covered
- Tailored quote for your specific needs
- Save 10% with an annual or 3% with a quarterly payment
- Access to Cigna’s vast global network
- A la carte supplemental coverage available such as dental, vision, and medical evacuation
While purchasing international health insurance may not be as exciting as buying plane tickets to your next destination, it is crucial for peace of mind during your time overseas. Not all domestic health plans follow you around the globe, so you’ll want medical insurance options designed specifically to fit the needs of expatriates and diplomats.
Take a look at the options and details below to determine the best medical insurance policy for you and your loved ones.
Option A:
No Pre-Existing Condition:
If you and your family have no pre-existing conditions, this provider might be the right choice for you.
When you purchase international health insurance through Expat Global, you’re investing in yourself knowing that your most precious asset, your health, is taken care of around the world. If you do not have any pre-existing conditions and you have not received medical care for any conditions in the past 24 months, then Expat Global could be the health insurance provider for you.
This is an all-inclusive policy that covers inpatient, outpatient, and medical evacuation coverage. There are three plan options and the highest level, Select, includes vision, dental, preventative care, and maternity care.
Get an instant quote and coverage that fits your health insurance needs
Key Features
- Save 5% with an annual payment
- Get an instant quote and immediate coverage
- Health coverage nearly anywhere in the world, including medical evacuation
- Multiple pricing options for expats and their families with no pre-existing conditions
- The Select plan includes vision, dental, preventative care, and maternity care
Additional Benefits
- One-year plans that are renewable annually
- Earn annual discounts for not making a claim in a policy year
- Varying levels of plans and price points, including Primary, Primary+, and Select
- Choose your coverage area, from as narrow as a few continents to as broad as worldwide coverage
- For sudden onset of acute conditions, health insurance benefits extend outside your chosen area of cover
- Select the right deductible (the initial amount paid before your claim is covered) that works for you
Example Expat Global Quote Scenarios:
U.S. citizen moving with their family to South Africa:
Quote:
- Level of Cover: Primary
- Monthly Payment: $146.43
- Total Annual Premium: $1,757.18
Quote:
- Level of Cover: Primary
- Monthly Payment: $375.85
- Total Annual Premium: $4,510.18
Quote:
- Level of Cover: Primary
- Monthly Payment: $214.74
- Total Annual Premium: $2,576.90
Option B:
Pre-Existing Condition or Born Before 1948:
If you or your family have a pre-existing condition or were born before 1948, this provider might be the right choice for you.
Although we try our best to stay healthy, some medical conditions cannot be prevented. Depending on your pre-existing condition, you may be approved for coverage upon further review by Cigna. With this option, you can also choose supplemental coverage to create a customized health plan to fit any budget.
Get a quote for comprehensive health insurance
- Adnexitis (various gynecological conditions)
- Anxiety and depression
- Asthma
- Back pain
- Bronchitis
- Cervical smear abnormalities
- Gastritis
- High blood pressure
- Knee pain
- Menstrual disorders
- Non-alcoholic fatty liver disease
- Ovarian cysts
- Over and under active thyroid
- Overweight
- Type 2 diabetes
Key Features
- Pre-existing conditions are covered
- Tailored quote to fit your specific needs
- Access to Cigna’s vast global network of hospitals, doctors, and clinics
- Save 10% with an annual or 3% with a quarterly payment
- A la carte supplemental coverage available such as dental, vision, and medical evacuation
Additional Benefits
- One-year plans that are renewable annually
- Varying levels of plans and price points, including Silver, Gold, and Platinum
- Gold and Platinum plans cover inpatient and day patient maternity care
- Choose from core inpatient plans that cover hospital stays, treatments, surgeon and consultation fees, cancer treatment, and more
- Supplemental coverage is available for international outpatient care, medical evacuation, routine physical exams, counselling support, online health education programs, vision, and dental
- Select the right deductible (the initial amount paid before your claim is covered) or cost share option (percentage of the claim that you must pay after your deductible has been paid, up to your out of pocket maximum) that works for you
Example Cigna Quote Scenarios:
Please note that all quotes are subject to review prior to approval.
U.S. citizen moving with their family to South Africa:
Quote:
- Level of Cover: Silver
- Monthly Payment: $1,169.18
- Total Annual Premium: $14,030.22
Quote:
- Level of Cover: Silver
- Monthly Payment: $2,446.44
- Total Annual Premium: $29,357.26
Quote:
- Level of Cover: Silver
- Monthly Payment: $1,131.61
- Total Annual Premium: $13,579.35
Quote:
- Level of Cover: Silver
- Monthly Payment: $725.36
- Total Annual Premium: $8,704.35
Read more about the details of this coverage option below.
To build a customized health plan to fit your specific needs, you’ll need to consider the options below.
- Select your International Health Insurance core plan:
Start with one of our core inpatient plans, international medical insurance, which covers you for essential hospital stays and treatments, surgeon and consultation fees, hospital accommodation, cancer treatment, and much more. Our Gold and Platinum plans also provide coverage for inpatient and day patient maternity care. - Add optional modules - from international outpatient to international vision & dental:
- International outpatient: More extensive outpatient care for treatments where hospital admission as a day patient or inpatient is not required. Includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care (Gold and Platinum only), physiotherapy, osteopathy, chiropractic, and more.
- International medical evacuation: Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Includes compassionate visits for a parent, spouse, partner, sibling, or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated.
- International health and well-being: Proactively manage your own health. Screen against disease, test against common illnesses, and get reassurance with routine physical exams. Also benefit from counseling support and our online health education program.
- International vision and dental: Vision care covering your eye tests, lenses and frames for eyeglasses, contact lenses, prescription sunglasses. Dental care includes a wide range of preventative, routine, and major dental treatments.
- Manage your premium:
Select between deductible options and cost share options, which apply separately to each beneficiary and period of cover. You can choose different levels for your core plan and the optional international outpatient module.- Deductible options: The initial amount you must pay before we will pay your claims.
- Cost share options: The percentage of each claim which you must pay after your deductible has been paid, up to your out of pocket maximum.
- Pay for your plan:
Our global health insurance plans give you the flexibility to pay your premiums on a monthly, quarterly, or annual basis. You can make payments by debit or credit card, or via bank wire transfer if you pay annually.
Get a free international health insurance quote to meet your specific needs.
Have Questions or Need Help?
Finding the right global health insurance coverage and understanding how it works can be confusing. If you have any questions, contact one of our dedicated account executives at info@clements.com or call us at 1.800.872.0067.