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). |
Residents of the U.S (either U.S. citizens or foreign nationals)
up to 74 years, living in Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Illinois, Iowa, Kentucky, Michigan, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, or Wyoming. |
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 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%. |
Inside the US:
Plan pays 80% up to the out of pocket maximum (various options available).
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 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 to $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 |
Range from $250 to $5,000 |
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) |
Up to $5 Million (no sub-limits) |
Up to $5 Million (no sub-limits) |
Up to $5 Million (no sub-limits) |
Up to $5 Million (no sub-limits) |
Semi Private Room:
Average private room rate.
Intensive Care Room:
3 times the avg. private room rate |
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. |
Inside the US:
$30 copay per visit in network.
Outside the US:
$10 copay |
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 |
100% |
Up to $5 Million |
Up to $5 Million |
Up to $5 Million |
Up to $1 Million |
Maternity |
$4,000 (12 month wait) |
$4,000 (12 month wait) |
$5,000 (12 month wait) |
100% |
$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) |
$3,500 for normal delivery $6,000 for C-section delivery (24 month wait) |
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 can be covered after 6 months of continuous coverage (this period can be reduced or eliminated by prior creditable 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 just as any other illness or injury if disclosed on application and not excluded by Rider. |
Pre-existing conditions can be covered up to a lifetime maximum of $25,000 (if disclosed on application) after 24 months of continuous coverage. |
Dental Coverage |
Not available |
Not available |
Optional; Additonal cost |
Accidental - $1000 per year, $200 per tooth |
Not available |
Not available |
Optional; Additonal cost |
Optional; Additonal cost |
Accidental Death & Dismemberment |
$10,000 |
Optional; Costs extra; Total limit varies with age |
Optional; Costs extra; Total limit varies with age |
$50,000 |
$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 |
Up to $100,000 when outside the US |
$50,000 |
Up to $5 Million |
$50,000 |
$50,000 |
Repatriation of Remains |
$25,000 |
$25,000 |
$25,000 |
Up to $25,000 when outside the US |
$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 |
Monthly, Quarterly, Semi-Annual & Annual |
Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
Monthly, Quarterly, Semi-Annual & Annual |
