Expatriate Insurance

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(Term Length is 12 months)

Expatriate Insurance Plans

Fixed Coverage Plans

GeoBlue Navigator Crew

Plan Administrator: GeoBlue | AM Best Rating: A - "Excellent" | Underwriter:4 Ever Life International Limited (4ELI)

  • In PPO Network (Within USA) : The plan covers 80% in network in the U.S
  • Outside PPO Network(Within USA): The Plan covers 60% out of network in th U.S
  • Outside USA: The plan covers 100% Outside U.S
  • Eligibility: US Citizen/ Non US Citizen Age less than 74 reside outside of his/her country for at least 3 months per year.
  • A person may not be an Insured Dependent for more than one Insured Participant.
  • Renew: The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website.

Comprehensive Coverage Plans

Global Medical Insurance Bronze - Including USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 69 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Meridian Clear

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Plan appropriate for - client who either lives outside of the United States, or who would not qualify for a US domestic health insurance plan.
  • Eligibility: 14 days old and under the age of 74 years.
  • Coverage length: US Citizen:- Plan to reside outside of the US for at least one hundred (180) days of the next three hundred sixty four (364) days Non-US Citizen:- Reside outside the US at time of Application or Continuation of Coverage Date; or must plan to reside outside of the US continuously for at least one hundred (180) days for the next three hundred sixty four (364) days.
  • Provider Network: Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to US medical care and the significant ease of finding a qualified health care provider virtually anywhere in the US. For providers outside the US, you may access care anywhere of your choosing, or simply contact Azimuth for a suggested referral.
  • Renew Online: Annually renewable increment of one month
  • Acute onset of Pre-x coverage:$5,000 Sub-Limit per Coverage Period, $50,000 Maximum Sub-Limit (After 728 of continuous coverage)
  • ID card & Visa Letter comes in email instantly

Meridian Essential

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • PPO Network (USA & Canada): After the Deductible 80% of the next $5,000 of Eligible Expenses, then 100% to the Overall Max.
  • Eligibility: 14 days old and under the age of 74 years.
  • Coverage length: US Citizens:- Plan to reside outside of the US for at least one hundred and eighty (180) days of the next three hundred and sixty four (364) days. Non-US Citizens:- Reside outside the US at time of Application or Continuation of Coverage Date; or must plan to reside outside of the US continuously for at least one hundred and eighty (180) days for the next three hundred and sixty four (364) days.
  • Provider Network: Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to US medical care and the significant ease of finding a qualified health care provider virtually anywhere in the US
  • Renew Online: Annually renewable increment of one month
  • Acute onset of Pre-x coverage: $10,000 Sub-Limit per Coverage Period, $50,000 Maximum Sub-Limit (After 728 of continuous coverage*)
  • ID card & Visa Letter comes in email instantly.

Meridian Enhanced

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • PPO Network (USA & Canada): After the Deductible 90% of the next $5,000 of Eligible Expenses, then 100% to the Overall Max.
  • Eligibility: 14 days old and under the age of 74 years.
  • Provider Network: Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to US medical care and the significant ease of finding a qualified health care provider virtually anywhere in the US
  • Renew Online: Annually renewable increment of one month
  • Acute onset of Pre-x coverage: Same As Any Other Injury or Illness if fully disclosed on Application and not excluded or limited by a Rider
  • ID card & Visa Letter comes in email instantly.

Cigna-Silver

  • Eligibility: US Citizen/ Non US Citizen Age 0-99 Travelling outside their home Country.
  • Coverage Length: This policy is an annual contract. This means that, unless it is terminated earlier or renewed, the cover will end one (1) year after the start date.
  • Flexibility: Flexibility to tailor a plan to suit your individual needs.
  • Renew: If you choose to renew, you do not need to do anything, and your cover will be renewed automatically for another twelve months.

Cigna -Gold

  • Eligibility: US Citizen/ Non US Citizen Age 0-99 Travelling outside their home Country.
  • Coverage Length: This policy is an annual contract. This means that, unless it is terminated earlier or renewed, the cover will end one (1) year after the start date.
  • Flexibility: Flexibility to tailor a plan to suit your individual needs.
  • Renew: If you choose to renew, you do not need to do anything, and your cover will be renewed automatically for another twelve months.
  • ID card - Purchase online to print ID-card online.

Cigna -Platinum

  • Eligibility: US Citizen/ Non US Citizen Age 0-99 Travelling outside their home Country.
  • Coverage Length: This policy is an annual contract. This means that, unless it is terminated earlier or renewed, the cover will end one (1) year after the start date.
  • Flexibility: Flexibility to tailor a plan to suit your individual needs.
  • Renew: If you choose to renew, you do not need to do anything, and your cover will be renewed automatically for another twelve months.
  • ID card - Purchase online to print ID-card online.

GeoBlue Xplorer Essential

Plan Administrator: GeoBlue | AM Best Rating: A - "Excellent" | Underwriter:4 Ever Life International Limited (4ELI)

  • PPO Network (Within USA): Lifetime Maximum per Insured Person unlimited
  • Outside PPO Network(USA): Lifetime Maximum per Insured Person unlimited
  • Outside USA: Maximum per Insured Person unlimited
  • Eligibility: All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible.
  • Renew: You will be notified of your new plan rate at least 30 days prior to your policy expiration date.

GeoBlue Xplorer Premier

Plan Administrator: GeoBlue | AM Best Rating: A - "Excellent" | Underwriter:4 Ever Life International Limited (4ELI)

  • Eligibility: All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage.
  • Renew: This  is a non renewable plan.
  • International health insurance that covers you inside and outside the U.S.

Global Medical Insurance Bronze - Excluding USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 69 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Silver - Including USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Silver - Excluding USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Gold - Including USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Gold - Excluding USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Gold Plus - Including USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Gold Plus - Excluding USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Platinum - Including USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: No Coverage
  • ID card & Visa Letter comes in email instantly.

Global Medical Insurance Platinum - Excluding USA

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: No Coverage
  • ID card & Visa Letter comes in email instantly.

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