Expat Health Insurance Comparison (expatden.com)
https://www.expatden.com/need-help/expat-health-insurance-comparison/
Comprehensive Plans (Including Outpatient, Routine Check-ups, Dental / Vision & Maternity)
Provider
Passport Card
William Russell
Cigna
IntegraGlobal
Foyer
Specials
Global in- and outpatient direct payment through unique membership card
High level of coverage with superb customer service
High level coverage with superb customer service
Flexible plan structure
Great price / value options for many countries
includes Accidental Death and disability cover
Not lifetime — only up to age 75
Unlimited cover
Plan
Premium
Gold
Platinum (including all riders)
Premier Life
Premier Family (incl. maternity)
Exclusive
Pricing
Community rated
Community rated
Community rated
Community rated
Community rated
30 – 39
€2,616 – €5,880
$2,227 – $12,482
$5,559 – $16,026
$3,439 – $10,755
€2,724 – €7,380
40 – 49
€3,552 – €7,164
$2,587 – $18,382
$6,579- $20,306
$4,990 – $9,743
€3,120 – €9,254
50 – 59
€5,220 – €12,084
$3,949 – $29,341
$8,344 – $25,616
$8,700 – $22,711
€3,806 – €14,853
Annual limit
€5,000,000
$5,000,000
$30,000,000
$2,000,000 (lifetime limit $3,000,000)
Unlimited
Area of coverage options
South East Asia / Asia (excl. high cost)
Europe
Central / South America
Worldwide incl. US
Africa
Worldwide excl. high cost countries
Worldwide excl. US
or incl. restricted cover in the US
Worldwide excl. US
Worldwide incl. US
Worldwide excl. US / CA
Worldwide incl. US / CA
Worldwide excl. US
Worldwide incl. US
Hospital room
Private Room
Private Room
Semi-private room (optional for Zone 1&2)
Private room
Private room
Private room
or
Semi-private Room
Surgery fee
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Hospital expense
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Cancer treatment
(In- and outpatient)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
MRT, CT, and PET scans
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Physiotherapy
(Inpatient)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Worldwide medical Assistance including evacuation and repatriation
Paid in full
Paid in full
Optional
Paid in full
(important: its not included under any standard Cigna plan like it is for any other international provider)
Paid in rull
Paid in full
Maternity coverage
€25,000
Complications paid in full
$15,000 Complications paid in full
$14,000
Complications $28,000
Optional family plan $20,000 Complications $30,000
€20,000 Complications paid in full
Outpatient treatment
Paid in full
Paid in full
Paid in full
Paid in full
Unlimited
Annual routine
check-ups
€1,000
(Vaccine add. €500)
$550
Optional
$600
$750
€500
Physiotherapy
(Outpatient)
Paid in full
(12 Sessions)
Paid in full
(10 Sessions)
Paid in full
$75 per session
(50 Sessions max)
Paid in full
Complementary therapies (such as chiropractic or acupuncture)
Paid in full
(12 Sessions)
Paid in full
(10 Sessions)
Paid in full
(30 Sessions)
$1,500
€5,000
Dental treatments
€5,000
Routine incl. $1,000
Complex optional up to $2,000 (20% Copay)
Optional
$5,500
Routine incl. $1,500
Complex optional up to $3,000 (10% & 40% co-pay + $50 excess)
Routine paid in full
Complex up to €5,000
Deductible / Excess options
Nil / €1,000 / €2,500 / €5,000
(Inpatient only)
Annual: Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000
Nil / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
Nil / $100 / $200 / $500 / $1,000 / 5,000
Nil / €250 / €500 / €1,000
(Outpatient only)
Co-share
Co-payment or Co-insurance options
N / A
Per claim: Nil / $50 / $100 / $800 / $1,600
10% / 20% / 30%
Up to an out-of-pocket maximum
N / A
N / A
Get Quote
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Get Quote
International Insurance Plans with U.S. Coverage
Any of the above options and other international medical insurance plans can be purchased with elective coverage (including U.S. coverage), although most plans provide emergency coverage if the insured is traveling to the U.S. temporarily, such as for a vacation or business trip.
However, there are a few plans that have particular advantages over others, and these are plans mostly from American-based providers that know the needs of U.S. citizens living abroad:
Cigna: Elective U.S. coverage for U.S. citizens is considerably cheap, but it provides only three months coverage in the U.S. while living abroad. For any other nationalities, their U.S. coverage is as expensive as most other providers’.IMG: They offer worldwide coverage with additional co-pay depending on the hospital.Within U.S. PPO Network = no co-payOutside US PPO Network = 20% co-pay for the first $5,000 cost; nil copay afterwardsVUMI: There is no additional copay or deductibles for U.S. elective cover, but the overall annual limit for the U.S. is $3,000,000GeoBlue: This is good for U.S. citizens, in general.
Plan Explanation
Let’s take a look at the following terms in detail.
Annual Limit
Annual limit is the total maximum amount that an insurance provider will pay you in a particular year. Generally speaking, the higher the limit, the better.
Note that the annual limit can also depend on the country you are living in. If you are living in a country like Thailand or Indonesia, an annual limit of $1,000,000 is usually enough. If you are living in a developed country, you may need a higher limit than that. 
Area of Coverage
Area of coverage refers to the country or countries where you will be covered by your health insurance provider. Normally, expat insurance comes with worldwide coverage, excluding the United States. 
Most insurance providers have an option to provide coverage in the United States, but the premium will be significantly increased. 
Hospital Room
If you are hospitalized, your insurance provider should pay for the hospital room in full.
Note that some providers may pay only for a semi-private room, while some providers may not pay for premium hospitals in certain countries. 
Surgery Fees
If you need to have surgery, your insurance should cover the cost in full. Please note that some plans may not pay for the surgeon’s assistant fee.
Because of the COVID-19 pandemic, you might need to take a COVID-19 test before the surgery. Some plans might not cover the cost of testing. 
Hospital Expenses
Hospital expenses refer to general expenses, such as nursing fees, medications, and so on. 
Some insurance providers may also cover costs for food and drinks while you are hospitalized. 
ICU
ICU coverage usually includes both regular intensive care units and cardiac intensive care units. 
Cancer Treatment
Cancer treatment coverage may not include preventative surgery. However, if a doctor recommends surgery because the cancer is early-stage, then the treatment will be covered under the cancer treatment benefit unless it is a preexisting condition.
Parental Accommodation
Some insurance providers may give an additional daily budget if your parents stay with you while you are hospitalized.
MRT, CT, and PET Scans
If you get hospitalized, all basic plans should cover the costs of MRI, CT scans, PET scans, and medical imaging, including X-rays. 
On the other hand, basic plans might not cover outpatient treatment costs.
Physiotherapy
If physiotherapy is deemed necessary, your insurance may pay for it. 
Home Nursing
If you need home nursing, the insurance company may also pay for it. The company usually imposes a limit on how much they pay per day. And they may have a cap of 30 visits per year, on average. 
Medical Evacuation
Expat insurance basic plans usually come with domestic medical evacuation. If you need international medical evacuation, a basic plan may provide coverage. 
Newborn Care
Your insurance company may pay for the cost of baby delivery and maternity-related expenses. Every company sets its own terms regarding maternity-related expenses, so it’s best to read the policy details. 
Newborn care usually has a waiting period of 10 to 12 months. 
Outpatient Treatment
Outpatient treatment is usually not covered in basic plans unless it’s for follow-up treatments after hospitalization. 
If you upgrade your plan to include outpatient treatment coverage, insurance companies usually have a separate limit on how much you can claim per visit and how many times you will have coverage per year. 
Deductible
A deductible refers to the decreases or deductions in your insurance premiums. Simply put, it’s the amount of money you need to pay out of pocket first, before the insurance company pays later on. 
Every insurance provider has their own rules on deductibles. 
With some providers, deductibles are only paid for inpatient treatments. With other providers, you may need to pay a deductible whenever you visit a hospital outside of their network. 
Co-payment
Co-payment refers to the percentage you need to pay out of pocket when you make a claim.
For example, if your plan has a 10% co-pay and you are making a claim for a total of $10,000, you will pay have to pay $1,000 yourself and the insurance company will pay for the rest ($9,000).
Which Health Insurance Plan Should You Get?
If you’ve gotten this far and you’re still not sure which insurance plan to get (or you feel overwhelmed by all the info), we recommend you try Cigna Global.
Being one of the largest expat health insurance providers in the world, Cigna Global has suitable health insurance plans no matter where you live. In addition, its plans are more flexible than those of other insurance companies. This means you can customize your health insurance plan to suit your budget and needs.
Additionally, Cigna Global is also cost effective for those who need coverage while in the U.S. However, an alternative option for those who need U.S. coverage is GeoBlue. And if you need a comprehensive plan with unlimited coverage, you can check out Foyer or William Russell.  
If you’re on a tight budget, look into IMG Global or Now Health. But read their policies carefully to understand what you’re really getting. For example, IMG Global comes with lifetime coverage limits instead of annual coverage limits, which means you could run out of coverage if you need extensive care. Now Health, on the other hand, comes with limited hospital access.
If you’re over 60 years old, your options are more limited. But a good plan is Cigna Close Care. It’s a newer budget plan from Cigna Global and cheaper than standard plans. Despite the lower cost, it still comes with the basic coverage you’d expect from a health insurance provider.
The main disadvantage is that you’re only covered in the country you’re currently living in, with limited emergency coverage for trips back home.

贴主:遥遥领先ABC于2024_03_27 20:11:28编辑