The actual rates and benefits are governed by the Insurance Contract and nothing else. With expat-friendly international medical coverage that's portable and comprehensive, it's easy for expatriates to get Global Peace of Mind®. View all of our expat health insurance plans. Aetna Inc. and its subsidiary companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites. Please note that IMG’s Global Medical Insurance Plan does not meet the definition of “minimum essential coverage” under PPACA. Expatriate Health Insurance for American Expats Abroad: We would suggest three options for US citizens living abroad. Expat health insurance provides temporary medical coverage for expatriates living abroad. Learn more about the importance of expat health insurance by reading a testimonial written by one of our members. Coverage becomes more expensive as you grow older, due to increasing risks of health problems. Let’s arrange a phone call with an expert. Registration with the IESS will get you a number of benefits, in addition to healthcare, if you are over the age of 65. Expat retirees often opt for private medical insurance as well, however, due to the limitations of the public system. Available after 24 months of continuous coverage. Not subject to deductible or coinsurance, $1,500 maximum limit per event. Health Insurance in Malaysia for Expats: What You Need to Know; Health Insurance in Thailand: What You Need to Know as an Expat; Now, on to You. © International Medical Group, Inc.All rights reserved. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. If you continue to use this website, you are consenting to our policy and for your web browser to receive cookies from our website. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Expatriate Healthcare is committed to keeping you all healthy by providing regular health checks and tests. Getting health insurance in Mexico as an expat is a relatively easy straight-forward process. These plans can be customized to suit the needs of expatriate individuals, families and groups. UltraCare policies in Vietnam are insured by Baoviet Insurance Corporation Limited, and reinsured by Aetna Insurance Company Limited, part of Aetna International. To find a medical plan that covers your pre-existing conditions, please speak to one of our advisors. Comprehensive, employer-sponsored group health insurance for internationally assigned employees. ", What is the Patient Protection and Affordable Care Act? Primary enrollees do not include individuals who are not U.S. nationals residing in the country of their citizenship; Substantially all of the benefits provided by the plan are not excepted benefits (e.g., not limited-scope dental/vision, health FSA, fixed indemnity); The plan provides coverage for inpatient hospital services, outpatient facility services, physician services, and emergency services; The plan sponsor reasonably believes that the plan’s benefits provide minimum value (i.e., the percentage of the total allowed costs of benefits provided under the plan is no less than 60 percent); If the plan provides dependent children coverage, such coverage is available until the adult child turns age 26; The plan is administered by an administrator that has licenses to sell insurance in more than two countries, maintains a number of related international standards specified in the law, and offers reimbursement for items or services in the local currency in eight or more countries; and. International health insurance. There is a variety of international health, travel, and trip insurance plans. You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. **If applicants can verify their prior comprehensive health insurance, with no significant break Not subject to deductible or coinsurance. Get a whole lot more. Expats health insurance quotes in the UK The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. $500 per period of coverage - not subject to deductible or coinsurance. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico. Long-term individual plans can cost less than $100 per month* for a healthy adult. Being an expat brings along with it, its own set of challenges; your health should not be one. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. You can access our plans by following the links below: Please read the terms and conditions of the Aetna International website, which may differ from the terms and conditions of www.interglobal.com/thailand. She was taken to a facility in Turkey, where she received emergency medical treatment. We communicate in English and help you avoid the confusion which comes from not being able to speak Thai or communicate satisfactory with Thai Insurance Companies. Are students covered by state medical insurance? Please read the terms and conditions of the Aetna International website, which may differ from the terms and conditions of www.interglobalpmi.com. International health insurance takes the guesswork out of healthcare costs with a predictable monthly bill. Cigna Global provides comprehensive health insurance to over 86 million customers in over 200 countries. What is the definition of a "Qualified Expatriate"? This also includes private facilities not within the Aetna network. Save on health insurance. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. We can help you locate emergency and non-emergency health care, support your claims and answer your questions. IMG offers members a discount when they pay for coverage on an annual basis, as opposed to monthly, quarterly or semi-annually. Covered only if admitted as inpatient, Subject to deductible and coinsurance. Available for 90 days following inpatient treatment or outpatient surgery, Subject to deductible and coinsurance. This is a positive development for American expatriates who have historically had limited choices for coverage. Allianz hs a very large and well known European based health insurance service … In general, employers deduct 14.6% of your salary for public health insurance and 3% for long term care insurance. in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing ... Cigna Global Health Benefits® group medical and dental plans are insured or administered by Cigna Health and Life Insurance Company. Before expatriates start a new life in a new country, it’s essential that they take steps to protect their health and well-being. Find out how Aetna International’s CARE team offers support and peace of mind for members while they’re away from home. $50,000 lifetime maximum - Available after 12 months of continuous coverage, Subject to deductible and coinsurance. Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. 50% of deductible waived, up to a maximum of $2,500. I am a U.S. Citizen. You can depend on our clinical knowledge when pre-trip planning ― especially important if you have a chronic health condition or are pregnant. $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays An expatriate’s health may be considered during the underwriting process. Expat health insurance from Aetna International is an annually renewable policy, which provides worldwide health cover to globally mobile individuals and families. Am I eligible for your Global Medical Insurance (GMI) plan? $1,500 maximum limit per event - not subject to deductible or coinsurance. Thailand Expat Health Insurance Guide Thailand is the stuff of dreams; white sandy beaches, year-round warmth and some of the most exciting cities in the world. Expat Health Insurance is much needed as there are increased opportunities for expatriates to work in Asia due to the growing job market and stable economy. International health insurance for expats and immigrants covers your medical expenses while you’re living in another country long-term. Coverage for trip interruption and cancellation, lost baggage and travel delays. Dental cover can also be easily added to other plans. Consider the following real-life scenarios in which expatriates covered by IMG plans experienced medical emergencies abroad: While working away from home in Somalia, an IMG client who had purchased an expatriate insurance plan was involved in a motor vehicle accident and was sent to Kenya for immediate care. To continue, please close this message or navigate using the links above. In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country); Qualified Expatriates Outside of the U.S.: The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. You can either get a quote online or call us to discuss your requirements. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area. You pay 50% of the costs for health insurance and your employer pays 50%. Not obtaining maternity coverage. ✔  Customer satisfaction over 96% Outpatient after 12 months of continuous coverage. Designed to cover policyholders on a worldwide basis, international … comprehensive health plan established or maintained by a State or the U.S. government). Expat insurance, also known as Global Medial Insurance, is an international health insurance plan designed for expatriates and other individuals living or working abroad. Access to high-quality, reliable health care is an important priority for people travelling internationally, especially if they’re moving or living overseas with family. The coverage type and health insurance policy/scheme would define the cost of your medical needs. All subject to $600 per day/240 day maximum, Subject to deductible and coinsurance for average private room rate, Subject to deductible and coinsurance. IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. See our cookie policy for more information on how we use cookies and how you can manage them. For more detail on what’s covered, read on. ✔  365/24/7 support for you and your family, ✔  Global medical network of 1.4 million medical providers Cigna Global Expat Health Insurance provides employers a variety of different solutions based on their medical insurance needs. When it comes to health care, expatriates have even more to consider before packing their bags and relocating to a new country. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options. Comprehensive worldwide medical insurance program for individuals and families, Subject to deductible and coinsurance unless otherwise noted. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. Speak to one of our advisors to learn more about what’s included in each policy. Comprehensive worldwide medical insurance program for missionaries, Comprehensive worldwide medical insurance program for marine captains & crew members. Our expatriate health insurance plans provide you and your family with world-class insurance coverage for medical expenses when living and working abroad. Our expatriate insurance plans provide different levels of cover, additional extras and excesses that are right for individuals and families. InterGlobal is now part of Aetna, one of the largest and most innovative providers of international medical insurance. Creditable Coverage is defined Have specific questions about your trip? Login to your MyIMG account to manage account information, submit claims, monitor claims status, and much more from anywhere in the world, at any time. Yes. We specialise in annual long-term cover, that you can renew, and offer worldwide health insurance options that cover pre-existing conditions and medical expenses. ✔  Trusted by 55 million member worldwide. How long does it take to process my application and receive my ID card and other documents? These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015. Copyright © 2001-[current-year] Aetna Inc. For everyone’s safety during the COVID-19 pandemic, our office is currently closed to in-person, walk-in traffic. The more coverage that’s selected, the more the plan will cost. If you are living and working abroad for more than a year, expat insurance gives you access to the best healthcare in your new country of residence. $250 per period of coverage - not subject to deductible or coinsurance. The Insurance Contract is the only source of the actual benefits provided. Expatriate international health insurance. Not subject to deductible and coinsurance, $10,000 lifetime maximum. Either way, we just need some details about where and when you’re moving abroad. Allianz Worldwide. "Expatriate health plans" are defined as a group health plan or health insurance coverage offered in connection with a group health plan meeting all of the following: This definition includes both fully insured and self-insured plans. For all other locations please speak with one of our advisors. Travel insurance is designed for international travellers who live in one country but are temporarily visiting another. These policies include worldwide medical protection and also can include evacuation services. Choosing a coverage area that includes the United States increases the premium, due to the high costs of medical care in the country. Available on the Global Medical Insurance – Platinum plan, this benefit covers the costs of transportation to the nearest place of safety or for repatriation to your home country or country of residence if certain conditions are met. Whether you’re relocating to a single location, or travelling globally, you’ve got options. Worldwide employer-sponsored group health insurance for mission groups. We're happy to help! It is our aim to help you to protect the people who are important to you. We even provide for prostate cancer screening and mammograms for the over 45’s. Am I getting the best deal on these plans? See details under the IRS foreign earned income exclusion test. As global lifestyles continue, the demand for comprehensive international health insurance has increased. To protect their health against the unexpected, expatriates should consider purchasing international medical insurance specially designed for global citizens. Usually, it’ll cover you for a wide range of healthcare – from medical emergencies to just preventative healthcare. Our round-the-clock emergency medical support centers will help you find private hospitals and doctors anywhere in the world, any time you need them. any expats and diplomats are surprised to learn that their domestic health insurance plans may not follow them while living or working internationally. Exams - up to $100 maximum per 24 months. The plan satisfies a number of coverage requirements set forth in the Public Health Service Act (PHSA), Internal Revenue Code, and ERISA, other than those added by the ACA (e.g., NMHPA, MHPAEA, WHCRA, Michelle’s law). Hopefully you are now well on your way to understanding how insurance in Vietnam works and what to look for when buying it. You have been redirected to an Aetna International site. Women typically pay higher premiums than men when they are in their child-bearing years, while men typically pay higher premiums as they age because they have a shorter life expectancy. $50 maximum per visit, Subject to deductible and coinsurance. You can access our plans by following the links below: Please read the terms and conditions of the Aetna International website, which may differ from the terms and conditions of www.interglobal.com/vietnam. IMG's international medical insurance options include plans that have been designed specifically to serve the needs of expatriates and their families, and can provide invaluable peace of mind for globally mobile citizens. The most popular plan would be the Cigna Global Medical plan as it offers a wide range of plans and a modular plan design allowing US Expats to design a … To help us find the right expat health insurance plan for you, please tell us about yourself. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). I’m an American citizen and would like expat health care coverage, I’m a non-US citizen not from the USA and would like expat health care coverage. These highly competitive plans can offer special rates and convenient lump sum payments for premiums. Be sure to get travel tips before you move — browse our articles and country guides. It gives you and your family access to private hospitals, doctors, nurses, prescription medications and emergency medical assistance for the entire time you’re living abroad. Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country. Expats generally are offered increased remuneration and transfer packages and these positions remain on the rise for expats willing to relocate from the UK and other countries. This benefit, typically available once you have maintained continuous coverage for a specified period, provides you coverage for pre-existing conditions that may have been excluded from coverage on other plans. Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S. Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates. $500 maximum limit per period of coverage, $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services. $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. These plans can be customized to suit the needs of expatriate individuals, families and groups. We can also coordinate medical care and help with obtaining prescriptions and medical devices once you’ve left. This means we can better serve people who depend on Aetna International and InterGlobal to meet their health and wellness needs. IMG then arranged her transfer to a facility in the U.K. for long-term care. $300 of Eligible Medical Expenses following an accident, $500 of Eligible Medical Expenses following an accident. $400 maximum per period of coverage - not subject to deductible or coinsurance. If you are an employer or a business with a global workforce, please visit our dedicated employers page. The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured. Expat health insurance, also called international health insurance, is comprehensive health insurance while you live and work abroad on a medium to long term basis. That sums up our post on insurance for expats in Vietnam. If a person was required to purchase minimum essential coverage and did not, she/he would be required to pay a tax penalty for not purchasing PPACA coverage (if she/he files a U.S. tax return). While not all countries require expatriates to purchase international medical insurance, in most cases, it’s wise to have some level of supplemental coverage. To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following: The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and. No wonder it’s such a popular destination for expats and tourists alike. as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution). But only the employer pays for liability and statutory accident insurance. The cost of an expatriate health insurance plan varies based on many factors, including: *Based on a healthy 30-year-old male purchasing a Global Medical Insurance policy from International Medical Group. Absolutely! IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. Cover can be provided in just a few minutes. Remote working & physical distancing support resources, Emergency evacuations and medical transport, Access to doctors and prescription drugs in medical emergencies. $40 maximum per visit – 30 visit limit, Subject to deductible and coinsurance. How to Choose the Best Travel Medical Insurance Plan. We’ve been named "Best International Private Health Care Provider" and "Health Insurer of the Year.” Not surprising given our nearly 60 years’ experience providing expat health and wellness insurance products. In response to this demand, superior health plans are now available to serve expatriates and their families. The exemption applies to a U.S. citizen who has a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country. Value is just one of the many reasons this expatriate chooses IMG. Plans usually offer things like trip cancellation, belongings cover and other details which aren’t relevant to someone who is moving permanently abroad. We specialise in annual long-term cover, that you can renew, and offer worldwide health insurance options that cover pre-existing conditions and medical expenses. The Emergency Reunion benefit provides coverage for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying you during the evacuation or traveling from his or her home country to be reunited with you. It can often be confused with travel insurance which differs significantly offering emergency cover while you are abroad on holiday. Our Business Success Thai Expat Club offers access to affordable health and medical insurance for foreigners living, visiting or working in Thailand. Travel insurance for expats. We specialize in expat health and wellness insurance plans for businesses. Every attempt will be made to process your application timely. $10,000 lifetime maximum - not subject to deductible or coinsurance. Non-EU Expats can save even more, by joining our special expat tariff. $1,500 limit per day – 180 days of coverage per event, Subject to deductible and coinsurance. It’s good, affordable coverage that fulfils the legal requirements for obtaining a visa or residence permit. Yes, claims can be made from any private medical facility. Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else. Some countries require residents to maintain local health insurance, while others may allow expats to purchase their own international health insurance. IMG’s expatriate health insurance plans offer excellent coverage at a competitive price. $40 maximum per visit – 10 visit limit per event. Subject to deductible and coinsurance. Not subject to deductible or coinsurance. $25,000 lifetime maximum - not subject to deductible or coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. Our expatriate health insurance plans provide you and your family with world-class insurance coverage for medical expenses when living and working abroad. Individual plan rates may vary based on your health and other considerations. What is the Definition of an "Expatriate Health Plan? Electing a benefits-rich plan and adding optional coverage will increase the premium. conditions waiver (final decision is subject to Underwriters approval). Maternity care in private hospitals in many countries can be very … UltraCare policies in Thailand are insured by Safety Insurance plc and reinsured by Aetna Insurance Company Limited, part of Aetna International. Let us show you why it is essential that you obtain a reliable medical insurance plan in Thailand, and how it can save you thousands of dollars in the long-term, and possibly your life. medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any $10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage. Unlike registering a car, getting a driver’s license, and opening a bank account – this is one of the big “expat” things to do here that does not require residency. If you missed Open Enrollment, please contact your HR representative immediately. IMG arranged an evacuation and coordinated his return to his home country, where he received medical care at a facility close to his family. $600 outpatient maximum limit per event, Subject to deductible and coinsurance. Absolutely. (PPACA). We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places. 90-day supply per prescription following related covered event, Subject to deductible and coinsurance. Expatriate Insurance Uniquely designed to support healthier and safer journeys, we create holistic and coordinated international benefit solutions for multinational companies to help increase assignment success rates and protect the health and well-being of expatriates. We’ll also ask about any pre-existing medical conditions and then we can get you covered. This is where Health Insurance steps in, so that one can have access to the best healthcare without fearing the financial strain. In the event of medical emergencies abroad, our policies include personal security advice and support to ensure total peace of mind, for you and your family. However, one important issue that sometimes gets ushered to the bottom of the pile is expat health insurance. With an international health plan from IMG, you have medical coverage worldwide. With the ability to communicate in more than 170 languages, our member support is available 24/7. Benefits are subject to exclusions and limitations. We have a range of plans to choose from, some of which include expat dental insurance as standard. Additional $250 deductible if not admitted as an inpatient, Subject to deductible and coinsurance for average semi-private room rate, Subject to deductible and coinsurance for average semi-private room rate. Long-term (1+ year) medical coverage for professional marine crew. World-class cover for you and your family when you move abroad. U.S. only, $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance. $200 maximum per period of coverage - not subject to deductible or coinsurance. % goes to unemployment insurance a discount when they pay for obtaining a visa or permit! 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