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If you plan to live or reside abroad for an extended length of time, you will want to make sure you invest in a high quality international health insurance plan for the period you are abroad, outside of your home country, in case something happens and you need to seek medical treatment. For most countries around the world, it may also be a requirement of your visa (if you need one) to show proof of adequate international health insurance coverage. These plans are ideal for Expatriates, Global Nomads or International Citizens who are abroad for the majority of each year.Global Medical Plan BenefitsInternational Health Insurance or Global Medical Plans offer comprehensive medical coverage for those living outside of their home country for a year or longer. The best plans offer:Freedom to choose any hospital, clinic or doctor24 Hour Emergency Assistance and Medical HelplineEmergency Evacuation, Repatriation, HospitalizationIn most cases, Home Country coverage is includedChoice of GBP, Euro and USD currencies for paymentTable comparing benefits of 3 top insurers:Additional Benefits and OptionsPlans may offer additional benefits such as dental, vision, maternity, prescription drugs and other coverage options. Some of these are included in the base plan. Other times they are optional add ons that come with an additional premium. For example, the Cigna Global Health Plan allows you to pick and choose various options (Wellness, Dental and Vision, etc) and benefits to design a plan that meets your specific needs.Exclusions and LimitationsRead the fine print. Many plans look good on the surface but may include certain limitations and/or exclusions that you need to be aware of. Insurance plans can not cover all situations - so insurers add terminology to protect themselves against certain risks. Typically, pre-existing conditions will be reviewed and either accepted, excluded or addressed with a premium increase. Insurers may also put a limit on benefits related to your pre-existing condition.Another typical limitation to be aware of is maternity coverage. Most plans will limit or exclude coverage for maternity for at least 10-12 month. Their goal is to prevent people from buying the policy only after they have become pregnant - which would be extremely costly for them.Exclusions and limitations are not all bad. They allow the insurer to cover most situations at a reasonable price. The alternative would be very costly plans that none could afford.Again, read the fine print. You can always request a brochure or copy of a sample policy certificate which will include all the details of the plan, including the fine print.How Much do Global Medical Plans CostInternational Health Insurance eligibility and premiums are based primarily on a policyholders age, current medical history and area of coverage (typically not on an individual’s claims history) as well as the deductible and maximum coverage selected. Plans will normally offer two areas of cover; Worldwide or Worldwide excluding the USA, sometimes excluded countries also include Canada, Hong Kong and other more expensive countries for medical care. If you choose coverage that includes the US it will typically be more expensive. The reason for this is that medical care in the USA is the most expensive in the world. At times, international medical insurance providers (i.e. GeoBlue and Cigna) will rank countries by medical costs and have premiums adjusted accordingly.Read: How Much Does an Expatriate Medical Plan Cost?Premiums will increase with age. Lower deductibles and higher maximum limits also increase premium costs. You can lower your monthly premium by choosing a higher deductible, adding a co-pay or co-insurance, or lowering the amount of coverage you purchase. Many plans offer flexibility in pricing to accommodate for the needs of their clients.Learn more about international health insurance plansView a Table comparing benefits of 3 top insurers:

Each claim of a health insurance company will have different disputes.However, if you have a dispute over a claim, you can address your grievance to the The grievance redressed officer of the insurance company who will respond within 15 days.

If you plan to live or reside abroad for an extended length of time, you will want to make sure you invest in a high quality international health insurance plan for the period you are abroad, outside of your home country, in case something happens and you need to seek medical treatment. For most countries around the world, it may also be a requirement of your visa (if you need one) to show proof of adequate international health insurance coverage. These plans are ideal for Expatriates, Global Nomads or International Citizens who are abroad for the majority of each year.Global Medical Plan BenefitsInternational Health Insurance or Global Medical Plans offer comprehensive medical coverage for those living outside of their home country for a year or longer. The best plans offer:Freedom to choose any hospital, clinic or doctor24 Hour Emergency Assistance and Medical HelplineEmergency Evacuation, Repatriation, HospitalizationIn most cases, Home Country coverage is includedChoice of GBP, Euro and USD currencies for paymentTable comparing benefits of 3 top insurers:Additional Benefits and OptionsPlans may offer additional benefits such as dental, vision, maternity, prescription drugs and other coverage options. Some of these are included in the base plan. Other times they are optional add ons that come with an additional premium. For example, Cigna allows you to pick and choose various options (Wellness, Dental and Vision, etc) and benefits to design a plan that meets your specific needs.Exclusions and LimitationsRead the fine print. Many plans look good on the surface but may include certain limitations and/or exclusions that you need to be aware of. Insurance plans can not cover all situations - so insurers add terminology to protect themselves against certain risks. Typically, pre-existing conditions will be reviewed and either accepted, excluded or addressed with a premium increase. Insurers may also put a limit on benefits related to your pre-existing condition.Another typical limitation to be aware of is maternity coverage. Most plans will limit or exclude coverage for maternity for at least 10-12 month. Their goal is to prevent people from buying the policy only after they have become pregnant - which would be extremely costly for them.Exclusions and limitations are not all bad. They allow the insurer to cover most situations at a reasonable price. The alternative would be very costly plans that none could afford.Again, read the fine print. You can always request a brochure or copy of a sample policy certificate which will include all the details of the plan, including the fine print.How Much do Global Medical Plans CostInternational Health Insurance eligibility and premiums are based primarily on a policyholders age, current medical history and area of coverage (typically not on an individual’s claims history) as well as the deductible and maximum coverage selected. Plans will normally offer two areas of cover; Worldwide or Worldwide excluding the USA, sometimes excluded countries also include Canada, Hong Kong and other more expensive countries for medical care. If you choose coverage that includes the US it will typically be more expensive. The reason for this is that medical care in the USA is the most expensive in the world. At times, international medical insurance providers (i.e. GeoBlue and Cigna) will rank countries by medical costs and have premiums adjusted accordingly.Premiums will increase with age. Lower deductibles and higher maximum limits also increase premium costs. You can lower your monthly premium by choosing a higher deductible, adding a co-pay or co-insurance, or lowering the amount of coverage you purchase. Many plans offer flexibility in pricing to accommodate for the needs of their clients.Learn more about international health insurance plansView a Table comparing benefits of 3 top insurers: