Health insurance is an essential aspect of life that helps cover the cost of medical treatments and services in times of need. However, traditional health insurance policies may not provide coverage when traveling or living abroad. This is where international health insurance companies come in to provide coverage to expatriates, global nomads, and world travelers. In this article, we will explore some of the best international health insurance companies that offer comprehensive coverage.
What is International Health Insurance?
International health insurance or global health insurance is a type of health coverage that provides medical treatment and services to individuals who are residing or traveling outside their country of origin. It offers protection against unexpected medical expenses, emergency medical evacuation, and repatriation of remains.
International health insurance is designed for expatriates, global nomads, and frequent travelers who may require medical attention while abroad. It provides coverage for both emergency and non-emergency medical services, including doctor visits, hospitalization, surgery, prescriptions, and preventative care.
Why Do I Need International Health Insurance?
If you’re traveling abroad, you may think that your domestic health insurance policy will suffice in case of a medical emergency. However, most domestic policies do not offer international coverage. Furthermore, medical care abroad can be expensive and may require payment upfront. International health insurance provides financial protection and ensures access to quality medical treatment and services while you are away from home.
Additionally, international health insurance provides peace of mind, knowing that you have access to medical care if needed. It also saves you the hassle of navigating unfamiliar healthcare systems, language barriers, and cultural differences.
Top International Health Insurance Companies
There are many international health insurance companies in the market, but not all are created equal. The following are some of the best international health insurance providers that offer comprehensive coverage and excellent customer service:
Company Name |
Rating |
Plan Options |
|---|---|---|
Cigna Global Health Insurance |
9.6/10 |
Gold, Silver, and Bronze Plans |
Allianz Care |
9.4/10 |
International Health, Dental, and Vision Plans |
IMG Global Medical Insurance |
9.2/10 |
International Health and Travel Plans |
GeoBlue |
9.0/10 |
International Health, Dental, and Vision Plans |
Integra Global |
8.8/10 |
International Health and Dental Plans |
Cigna Global Health Insurance
Cigna is a well-known name in the insurance industry and offers global coverage for individuals, families, and companies. Their Gold, Silver, and Bronze plans provide comprehensive coverage for both emergency and non-emergency medical services, including hospitalization, surgery, prescriptions, and preventative care. Cigna also offers flexible plans that meet the specific needs of their clients.
One of the standout features of Cigna Global Health Insurance is their 24/7 customer support, which is available in multiple languages. They also have a user-friendly online portal that allows clients to access their policy information, claims, and benefits.
Allianz Care
Allianz Care offers a range of international health, dental, and vision plans for individuals, families, and companies. Their plans provide coverage for medical treatment and services, including hospitalization, surgery, prescriptions, and preventative care. Allianz Care also offers a range of wellness programs and services, such as health coaching and mental health support.
One of the standout features of Allianz Care is their MyHealth app, which allows clients to manage their policies, submit claims, and access their benefits. They also have a global network of healthcare providers, which ensures that clients have access to quality medical care wherever they are.
IMG Global Medical Insurance
IMG Global Medical Insurance specializes in providing international health and travel insurance for individuals and families. Their plans offer comprehensive coverage for both emergency and non-emergency medical services, including hospitalization, surgery, prescriptions, and preventative care. IMG Global Medical Insurance also provides coverage for emergency medical evacuation and repatriation of remains.
One of the standout features of IMG Global Medical Insurance is their online portal, which allows clients to manage their policies, submit claims, and access their benefits. They also offer a range of wellness programs and services, such as health coaching and mental health support.
GeoBlue
GeoBlue specializes in providing international health, dental, and vision plans for individuals and families. Their plans offer comprehensive coverage for medical treatment and services, including hospitalization, surgery, prescriptions, and preventative care. GeoBlue also offers coverage for emergency medical evacuation and repatriation of remains.
One of the standout features of GeoBlue is their network of healthcare providers, which spans over 190 countries. They also have 24/7 customer support, which is available in multiple languages. GeoBlue also offers a range of wellness programs and services, such as health coaching and mental health support.
Integra Global
Integra Global specializes in providing international health and dental plans for individuals and families. Their plans offer comprehensive coverage for medical treatment and services, including hospitalization, surgery, prescriptions, and preventative care. Integra Global also offers coverage for emergency medical evacuation and repatriation of remains.
One of the standout features of Integra Global is their online portal, which allows clients to manage their policies, submit claims, and access their benefits. They also offer a range of wellness programs and services, such as health coaching and mental health support.
FAQ
What does international health insurance cover?
International health insurance covers medical treatment and services, including hospitalization, surgery, prescriptions, and preventative care. It also covers emergency medical evacuation and repatriation of remains.
Can I use my domestic health insurance when traveling abroad?
Most domestic health insurance policies do not offer international coverage. It is recommended to purchase international health insurance when traveling abroad.
How much does international health insurance cost?
The cost of international health insurance varies depending on the coverage, duration, and destination. It is recommended to obtain a quote from an international health insurance provider.
How do I choose the best international health insurance company?
When choosing an international health insurance company, it is important to consider the coverage, cost, reputation, and customer service. It is also recommended to read reviews and obtain quotes from multiple providers.
Do I need international health insurance if I am only traveling for a short period?
It is recommended to purchase international health insurance for any international travel, regardless of the duration. Unexpected medical expenses can occur at any time and may result in significant financial burden.
Conclusion
International health insurance is a crucial aspect of traveling and living abroad. It provides financial protection and ensures access to quality medical treatment and services. There are many international health insurance companies in the market that offer comprehensive coverage, excellent customer service, and a range of plan options. When choosing an international health insurance provider, it is essential to consider the coverage, cost, reputation, and customer service. It is also recommended to read reviews and obtain quotes from multiple providers to ensure you make an informed decision.