Please compare these top rated International Health Insurance Plans

Whether you are a US Citizen who now lives abroad for work or retirement, but also travels often and wants to be covered worldwide or you are a Non-Resident of the US living or working in the US or any other part of the world for an extended period of time, these 3 carriers have high quality plans (both short and long term) that will cover your needs. These carriers have the best customer service, 24/7 emergency assistance in whatever situation you are in and have the most extensive network of doctors and healthcare facilities worldwide.

Simply view the comparison chart below of these top rated carriers and select the most appropriate one for you and your family’s needs.  You can always call us at 646-604-2988, email us at info@offshorehealth.net or complete the basic questionnaire of the contact link to get additional information.

Click on the links below each plan for more detail or click to get a free quote.

International Health Insurance Plan Comparisons

Review / Best For Ideal for – More budget conscious but platinum plan compares to Cigna or GeoBlue. Ideal for. US expats, families or individuals living abroad for extended amount of time and Non-Residents of US (NRA’s) who want global coverage outside their home country.  Flexible plan design to lower costs. Premium level coverage. Great for U.S. citizens living abroad or NRA’s who will spend at least 3 months a year in the U.S. Reduced costs if you maintain a U.S. health plan.
Compare Benefits IMG Global Medical Cigna International GeoBlue Xplorer
Plan Options Bronze, Silver, Gold, Gold PLUS and Platinum Silver, Gold, and Platinum with optional modules Xplorer Essential, Select and Premier Plans
Policy Maximum $1,000,000 – $8,000,000 (lifetime) $1,000,000, $2,000,000 or Unlimited (annual) Unlimited
Eligibility All nationalities up to age 74 All nationalities, All Ages U.S. citizens or residents up to age 74 traveling abroad ( or 1 spouse or domestic partner who is not a US citizen or resident primarily living in the US who is not covered by a US ACA or Group Plan)
Coverage Area Your choice of Worldwide or Worldwide excluding U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan Your choice of Worldwide or Worldwide excluding the U.S. Your choice of Worldwide or Worldwide excluding the U.S.
Home Country Coverage U.S. citizens up to 6 months; all others 12 months Up to 6 months Up to 9 months
Doctor Visits Included in Silver plan or higher Included with optional International Outpatient benefit Included
Preventive Care Included in Gold plan and higher after 12 month waiting period Included with optional Health & Wellness benefit Included
Hospitalization Semi-private or private rooms, depending on plan Semi-private or private rooms, depending on plan Included
Intensive Care Included Included Included
Prescription Medication Included Included 100% up to $500
Dental Emergency included; Non-emergency optional Accidental included; Additional services have waiting periods Optional; Accidental dental, $1,000 per year, $200 per tooth
Vision Platinum plan included; Optional on other plans Included at 100% for Platinum plan, limits on other plans Optional
Pre-Existing Conditions Each application is medically underwritten. Your application may be 1) accepted, 2) accepted with a rate increase, or 3) denied. Each application is medically underwritten. Your application may be 1) accepted, 2) accepted with a rate increase, 3) accepted with exclusion, or 4) denied. Each application is medically underwritten. Your application may be 1) accepted, 2) accepted with a rate increase, or 3) denied.
Maternity Included in Platinum plan after 10 month waiting period Included in Gold and Platinum plans after 12 month waiting period Option to add after 12 month waiting period
Mental Health Silver plan and above included after 12 mo. waiting period 100% paid for Platinum, $10,000-Gold, $5,000-Silver Included
Medical Evacuation Included, benefit varies by plan Paid in Full Up to $250,000
Deductible Multiple Options from $100 – $25,000 $0, $375, $750, $1,500, $3,000, $7,500, $10,000 $0 – $10,000
Renewable Annually renewable to age 74 Annually renewable for life Annually renewable to age 84 (eligible to apply up to age 74)
Cancellation 15 day free look period with a full refund. 14-day money back guarantee Cancellation
PPO Network Expansive PPO network Available or Cigna will help find a provider You choose medical providers, assistance is available
Administrator International Medical Group Cigna Global GeoBlue
Underwriter Sirius International Cigna 4 Ever Life International
Rating A (A.M. Best) A (A.M. Best) A- (A.M. Best)

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