If you plan to live overseas for an extended period of time, it may be a good idea to invest in a high-quality international health plan to ensure your medical needs are met while living abroad. Not only do these plans grant you access to high-quality medical care around the world, but they are also often necessary when attempting to get a visa.
International health insurance plans are ideal for expatriates, international citizens, digital nomads, and international students that spend the majority of their year living abroad. These plans are often customizable, so you can create a plan tailored to your coverage and financial needs.
To help you find the right policy for your needs, here’s what you need to know about the best international health insurance plans.
What is International Health Insurance?
International health insurance provides health coverage for individuals living abroad for longer than six months per year. These plans cover your health needs no matter where you are in the world.
Coverage typically includes inpatient and outpatient care, medical transportation and evacuation, mental healthcare, global telehealth services, and more. Depending on your plan and what additional coverages you choose, they may also include dental and vision coverage, health and wellbeing coverage, and other benefits.
International health plans give you access to a global network of doctors and hospitals, so you can receive high-quality healthcare from wherever you’re currently living. You can typically choose the hospital or doctor for your treatment, and you can often choose to go to a private healthcare facility over a public facility to receive faster and more comprehensive care.
International Health Insurance Plan Benefits
Global health insurance plans offer a wide range of benefits designed to help policyholders get the medical care and treatments they need from nearly anywhere in the world.
The best international health insurance plans offer standard benefits like:
- International inpatient care
- International outpatient care
- Mental healthcare
- Telehealth services
- 24/7 multilingual support and emergency support
- Medical transportation and evacuation
- Worldwide coverage, including coverage in your home country
- Option to choose any hospital, doctor, or healthcare facility
In most cases, you’ll be able to customize your plan with optional modules and plan benefits to ensure your plan meets your coverage needs.
Best International Health Insurance Plans
There are several insurance companies that offer comprehensive, flexible international health insurance policies. The best one for you largely depends on your personal coverage and financial needs.
Here are three of the best international health insurance companies based on benefits, coverage limits, plan features, and rates.
Cigna Global International Health Insurance
Cigna Global is the best international health insurance provider as it offers flexible, affordable, and customizable global health plans and gives members access to a vast network of doctors, hospitals, and healthcare facilities.
Cigna offers comprehensive coverage in almost any country, and members can enhance their coverage by adding optional modules to their policies, including vision and dental coverage, health and wellbeing coverage, and more.
Cigna Global plans come in three tiers: Silver, Gold, and Platinum. Each plan offers varying benefit limits while giving members access to many of the same standard benefits.
GeoBlue Global Medical
GeoBlue Global Medical is a great choice for U.S. citizens living abroad and international citizens residing in the United States.
GeoBlue is a licensee of the Blue Cross Blue Shield Association and offers premium benefits, comprehensive coverage, and high-quality services. Members can adjust their deductibles to alter their plan costs, and in addition to long-term international health insurance policies, GeoBlue also offers short-term travel insurance.
Request a Quote
If you currently live abroad or are planning to move outside of your home country, international health insurance can help ensure you have access to high-quality healthcare services whenever you need them. Cigna Global international health insurance policies offer comprehensive, affordable coverage to individuals living almost anywhere in the world.
At KSA Insurance, we work with individuals in South Carolina and across the southeastern United States to help them find affordable international health insurance plans that meet their coverage needs.
Contact us today to get a quote and learn more about Cigna international health insurance.