International Health Insurance
Get the Right Worldwide Health Insurance Plan
Not all domestic health plans follow you around the globe. Our international health insurance policies are designed for expats, diplomats, and people working overseas who require greater global medical coverage than a standard vacation or business travel insurance policy can offer. These policies provide access to local health services, emergency coverage, medical evacuation, maternity care, and more—wherever you are in the world.
Get a health insurance coverage quote customized to your needs
Looking for health insurance for less than 6 months? Check out our travel medical insurance options.
Worldwide Expat Health Insurance Coverage
Take a look at the options and details below to determine the best medical insurance policy for you and your loved ones. Complete the quote form and we will review your details and get back to you with the best options and pricing for coverage tailored to your specific needs.
To keep yourself and your family protected as you explore your new home, it’s important to choose an international health insurance plan that fits the specific needs of expatriates and offers affordable premiums.
Cigna
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 health insurance coverage quote customized to your needs
Key Features
- Some pre-existing conditions are covered
- Quote tailored 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
All applications are subject to underwriting review and approval.
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
- 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
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.
Expat Global
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 international medical 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 your worldwide health insurance quote
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.
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
- Vision, dental, preventative care, and maternity care with the Select plan
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
- 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
Why Choose Clements?
Clements is committed to providing financial security via insurance solutions for individuals and families living around the world. Here are a few reasons to turn to Clements as your international health insurance provider:
- With more than 70 years of experience, we have insured clients in more than 170 countries. As experts in the field, we are here to help you.
- Your policy should always match your needs. Our customizable international medical insurance policy options allow you to build a solution that’s right for you.
- Our dedicated team will handle claims with care, typically settling within 2 or 3 weeks.
Frequently Asked Questions
Do I need worldwide health insurance when I work abroad?
Worldwide health insurance is designed for expats or people working abroad for a prolonged period of time. It extends well beyond standard health insurance or business insurance. If these circumstances apply to you, then you should purchase an international health insurance policy.
How do I obtain international health insurance?
With Clements, you can get coverage from an international health insurance policy in minutes. Fill out the application form, get a quote, and you can be covered by your global health insurance policy in no time.
How much does global health care coverage cost?
International health insurance premiums depend on many factors, such as your age, the policy you choose, and your personal circumstances. Whatever the cost of your policy, you can rest assured that Clements offers the best possible price.
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.
