This site uses functional cookies and external scripts to improve your experience. Available for 90 days following inpatient treatment or outpatient surgery, Subject to deductible and coinsurance. The Emergency Reunion benefit provides coverage for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying you during the evacuation or traveling from his or her home country to be reunited with you. In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country); Qualified Expatriates Outside of the U.S.: The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S. In addition you can add international evacuation, health and wellbeing, and vision and dental benefits to your policy. Some countries legally oblige you to purchase a local health insurance plan. Long term business travel outside their home country. Depending on the length of your stay in countries abroad, a private expat health insurance policy can ensure a more sufficient healthcare option. It is common to find exclusions listed on a policy that have been worded "Directly Or Indirectly as a result". Full medical underwriting requires the collection of a full medical history, and usually excludes coverage of pre-existing conditions.[2]. Expat Health Insurance Plans M any expats and diplomats are surprised to learn that their domestic health insurance plans may not follow them while living or working internationally. Prior transitional relief had applied only to insured expatriate plans. The Insurance Contract is the only source of the actual benefits provided. Replacement - With new items, property, or items that are likely to suffer very little depreciation, the insurer may choose to simply give the insured a new item that is the same as the one that was lost. Surgeon and consultation fees as well as hospital accommodation are covered. We can help you locate emergency and non-emergency health care, support your claims and answer your questions.

You may be offered a cheaper insurance policy but make sure it is adequate. Comprehensive worldwide medical insurance program for individuals and families, Subject to deductible and coinsurance unless otherwise noted.