International Health Insurance plans are available to all nationalities and are designed to offer worldwide coverage (USA and foreign countries) for international travelers, sailors and cruisers. These plans are typically long term plans and do not have a limit on the maximum plan life.
Policy /
Benefits |
Scheduled or Fixed Benefits Major Medical Plans |
Comprehensive Major Medical Plans |
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Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Policy Brochure |
Eligibility |
US Citizens:
Must either be outside the US or plan to depart the United States within 30 days of Effective Date. Must also reside outside the US at least 6 months for every 12 month period.
Non-US Citizens:
Must be outside the US or plan to depart the United States within 30 days of Effective Date. If the Insured Person is located in the United States for more than 30 days after the Effective Date then proof of not being eligible for mainstream US health insurance is required. |
U.S. Citizens:
Must reside outside the US or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months.
Non-US Citizens: Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance). |
US Citizens:
Applicants must reside outside the US or plan to depart the US within 30 days of Effective Date. Insured persons must also be residing outside the US for at least 6 of the 12 months.
Non-US Citizens:
Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance). |
Global Medical Platinum Insurance is offered to the persons between the age of 14 days and 74 years old may apply for coverage. Person older than 74 years of age are not eligible. |
U.S. Citizens:
Must either be outside the US or plan to depart the United States within 30 days of Effective Date. Must also reside outside the US at least 6 months for every 12 month period.
Non-US Citizens: Must be outside the US or plan to depart the United States within 30 days of Effective Date. If the Insured Person is located in the United States for more than 30 days after the Effective Date then proof of not being eligible for mainstream US health insurance is required. |
US Citizens:
Must reside outside the US or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months.
Non-US Citizens:
Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance). |
US Citizens:
Applicants must reside outside the US or plan to depart the US within 30 days of Effective Date. Insured persons must also be residing outside the US for at least 6 of the 12 months.
Non-US Citizens:
Can reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply while residing in the US (should not be eligible for mainstream US health insurance). |
All U.S. citizen living aboard who are 74 or younger at the time of application are eligible to apply for the coverage.
All U.S. residents (citizens and foreign nationals) residing in an approved state 74 years or younger at the time of application.. |
Coverage |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide or Worldwide excluding U.S. and Canada |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Medical Expenses Covered |
$5 Million (sub limits exist) |
$5 Million (sub limits exist) |
$5 Million (sub limits exist) |
$8 Million (no sub-limits) |
$5 Million (no sub-limits) |
$5 Million (no sub-limits) |
$5 Million (no sub-limits) |
$5 Million |
Co-Insurance |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Within the U.S. and Canada:
90% of the next US$5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage.
Within PPO network and outside the U.S. and Canada:
The plan cover 100% up to the policy maximum. |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Inside the US:
Plan pays 100% if the provider network is used.
Outside the US:
Plan pays 100%. |
Inside the US:
Plan pays 80%.
Outside the US:
Plan pays 100%. |
Deductibles |
Range from $250 to $5,000 |
Range from $250 to $10,000; Deductible will be reduced by 50% if a network provider is used |
Range from $250; $500; $1,000; $2,500; $5,000 |
Range from $250 to $10,000 |
Range from $250 to $5,000 |
Range from $250 to $10,000; Deductible will be reduced by 50% if a network provider is used. |
Range from $250 to $5,000 |
Range from $0 to $25,000 |
Hospital Room |
Semi Private Room:
$600 per day (max. 240 consecutive days).
Intensive Care Room:
$1500 per day (max. 180 consecutive days) |
Semi Private Room:
$600 per day (max. 240 consecutive days).
Intensive Care Room:
$1500 per day (max. 180 consecutive days) |
Semi Private Room:
$600 per day (max. 240 days per hospitalization).
Intensive Care Room:
$1500 per day (max. 240 days per hospitalization) |
Private room rate |
Up to $5 Million (no sub-limits) |
Average semi-private room rate |
Up to $5 Million (no sub-limits) |
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Outpatient Doctor Office visits |
$70 covered per visit (max 25 visits per year). Deductible and coinsurance apply. |
$70 covered per visit (max 25 visits per year). Deductible and coinsurance apply |
$70 covered per visit (max 25 visits per year). Deductible and coinsurance apply. |
Usual, reasonable & customary |
Usual, reasonable & customary |
Usual, reasonable & customary |
Usual, reasonable & customary |
Usual, reasonable & customary |
Surgery |
Up to $5 Million |
Up to $5 Million |
Up to $5 Million |
URC |
URC |
Up to $5 Million |
Up to $5 Million |
For U.S(in-Network) - 80% to Out-of-Pocket Maximum then 100%. For U.S(outside Network) - 60% to Out-of-Pocket Maximum then 100% |
Maternity |
$4,000 (12 month wait) |
$4,000 (12 month wait) |
$5,000 (12 month wait) |
Same as any illness(SAAI) $1,000 additional deductible, $50,000 lifetime maximum, $200 child wellness benefit for first 12 months(available after 10 months of coverage) |
$7,500 (12 month wait) |
$5,000 for normal delivery $7,500 for C-section delivery (12 month wait) |
Up to $50,000 (12 month wait) |
Not Covered |
Pre-existing Condition Coverage |
Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage. |
Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage. |
Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage. |
Pre-existing conditions that are fully disclosed on thapplication and have not been excluded or restricted by arider will be covered the same as any illness. Conditions, including any complications there from, that are not fully disclosed on the application will not be covered. |
Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage. |
Pre-existing conditions can be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after 24 months of continuous coverage. |
Pre-existing conditions can be covered just as any other illness or injury if disclosed on application and not excluded by Rider. |
Benefits are not available for any services received: (1) on or within 6 months after the eligibility date of an insured person who is not a late enrollee; or (2) on or within 6 months after the effective date of coverage for a late enrollee. |
Dental Coverage |
Not available |
Not available |
Optional; Additonal cost |
Calender year maximum - $750, individual deductible - $50, schedule of benefits - class I : 90%, Class II : 70%, Class III : 50%, Ortho 0% (6 month waiting period). |
Not available |
Not available |
Optional; Additonal cost |
$1,000 per year, $200 per tooth |
Accidental Death & Dismemberment |
$10,000 |
Optional; Costs extra; Total limit varies with age |
Optional; Costs extra; Total limit varies with age |
Benefits based on age limit of death |
$10,000 |
Benefits based on age limit of death |
Optional; Costs extra; Total limit varies with age |
$50,000 |
Medical Evacuation |
$50,000 |
$50,000 |
$50,000 |
Up to $8 Million |
$50,000 |
Up to $5 Million |
$50,000 |
Up to $100,000 for Outside U.S |
Repatriation of Remains |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
Up to $25,000 for Outside U.S |
Payment Options |
Monthly, Quarterly, Semi-Annual & Annual |
Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
