For those who are planning to be abroad, outside of their home country for more than a year, international major medical insurance plans are the best option for the most comprehensive coverage. Also known as IPMI plans (International Private Medical Insurance) or International Health Insurance Plans, these insurance options offer high level benefits, comprehensive package options and are great ways to insure yourself as an individual, or for all your family members.
Why purchase a major medical plan?
Major medical insurance plans provide worldwide health insurance coverage to both you and your family. They are an excellent solution for expatriates, global nomads and anyone who needs a long term international health insurance plan!
What benefits can you expect?
Benefits and options will vary depending on the plan you are considering, however there are a few key benefits that you will see in most plans. This includes inpatient benefits, outpatient benefits, medical evacuation, repatriation, wellness, pre-existing conditions coverage, maternity, dental and vision options. Most plans will offer different levels of coverage, and optional modules to add certain benefits for an extra cost. Plans are annually renewable, and you can keep them as long as you still remain eligible under each plan's conditions.
Local or International Coverage?
There may be some cases where you have the option to purchase or buy into a local healthcare system, after a specific period of time. While this might be a good option for you, these plans often provide no international coverage and will not follow you if you move to another country. International major medical insurance plans will cover you globally, and if you move to another country the plan will follow with you.
How do I apply?
We offer a number of different options for you to consider and choose from. You can either run a free quote through our website for the various products, or you can contact our customer support team to obtain a personalized quote. Once you have selected the plan you wish to apply for, you will complete an application form and medical questionnaire which will be reviewed by the underwriters. This process can take up to 5 business days or more, depending on the complexity of your application.
Our Recommended Plans
Available to students, faculty and scholars overseas
If you need help selecting an insurance plan or confirming which plan meets your school or government requirements, please contact us, and one of our licensed insurance agents would be happy to assist: