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). |
Non-US Citizens:
For non-United States citizens immigrating to the US or visiting for business, pleasure or to study |
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). |
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). |
Coverage |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide including USA |
Worldwide or Worldwide excluding USA & Canada |
Medical Expenses Covered |
$5 Million (sub limits exist) |
$5 Million (sub limits exist) |
$5 Million (sub limits exist) |
$5 Million (no sub-limits) |
$5 Million (no sub-limits) |
$5 Million (no sub-limits) |
$5 Million (no sub-limits) |
$1 Million (no sub-limits) |
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%. |
Plan will pay 100% of the covered amount. |
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%. |
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 $0 to $5,000 |
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 |
US$250 deductible per period of coverage |
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) |
Average Semi-Private room and board; Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-Rays up to the Policy Maximum. |
Up to $5 Million (no sub-limits) |
Up to $5 Million (no sub-limits) |
Up to $5 Million (no sub-limits) |
Usual, reasonable & customary |
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, and Customary (URC) Charges for Emergency Treatment, Surgery, Prescription Medication up to the Policy Maximum. |
Usual, reasonable & customary |
Usual, reasonable & customary; Deductible and coinsurance apply. |
Usual, reasonable & customary |
Usual, reasonable & customary |
Surgery |
Up to $5 Million |
Up to $5 Million |
Up to $5 Million |
Usual, Reasonable, and Customary (URC) Charges for Surgery, Physician and Anesthetics up
to the Policy Maximum. |
Up to $5 Million |
Up to $5 Million |
Up to $5 Million |
Usual, reasonable & customary |
Maternity |
$4,000 (12 month wait) |
$4,000 (12 month wait) |
$5,000 (12 month wait) |
Usual, Reasonable, and Customary (URC) Charges up to $7,500 per pregnancy, must be
pre-notified within the first 90 days of pregnancy. Waiting period of 12 months before
maternity benefit begins. |
$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) |
Usual, reasonable & customary |
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. |
If an existing condition is fully and accurately disclosed on the application, and the condition is not excluded or restricted by a rider, your pre-existing condition will be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after you have been continuously insured for 24 months. |
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. |
After coverage has been in effect for 24 continuous months, Global Crew Medical Insurance provides a US$50,000 lifetime benefit for eligible pre-existing condition that existed at or prior to the effective date, subject to a maximum of US$5,000 period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition during 24 months period. |
Dental Coverage |
Not available |
Not available |
Optional; Additonal cost |
Usual, Reasonable, and Customary (URC) Charges for repair and replacement of sound,
natural teeth damaged as a result of an accident, limited to $500 per Policy Period. A Dental
Benefit Rider may be purchased to expand Dental Coverage. |
Not available |
Not available |
Optional; Additonal cost |
Usual, reasonable & customary |
Accidental Death & Dismemberment |
$10,000 |
Optional; Costs extra; Total limit varies with age |
Optional; Costs extra; Total limit varies with age |
Principal Sum: $10,000 for Insured and Spouse, $2,000 for Dependent Children. For Common
Carrier, Principal Sum: $40,000 for Insured and Spouse, $8,000 for Dependent Children. |
$10,000 |
Optional; Costs extra; Total limit varies with age |
Optional; Costs extra; Total limit varies with age |
Optional; Costs extra; Total limit varies with age |
Medical Evacuation |
$50,000 |
$50,000 |
$50,000 |
$250,000 Limit per person per Policy Period – when adequate medical facilities and/or
treatment is not available when traveling outside your current Country of Residence. |
$50,000 |
Up to $5 Million |
$50,000 |
Upto policy maximum |
Repatriation of Remains |
$25,000 |
$25,000 |
$25,000 |
$25,000 Limit per person – when traveling outside your current Country of Residence. (Preapproval required.) |
$25,000 |
$25,000 |
$25,000 |
$25,000 |
Payment Options |
Monthly, Quarterly, Semi-Annual & Annual |
Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
