International Health Insurance for Expatriates

We live abroad and we want international health insurance for our family. While companies that provide international health insurance are many, we wanted something that provided some key options:

  • Reasonably good coverage (of course!)
  • Maternity coverage
  • A track record of good service to customers (see reviews)
  • A high deductible option,
  • Coverage inside and outside the U.S.,
  • Inexpensive, money-saving rates

We searched around, talked to fellow expatriates and discovered some options. Below is a break down on what we found.

(UPDATE!) After reviewing a number of options, we chose to go with IMG  but after a good year and a half of using them they increased their costs for the maternity rider by some 60%. So we dropped them and switched to a Guatemalan insurance that includes coverage in the States for when we visit. Now we use Seguros GyT.

International insurance options we checked out:

 

 

Global Medical Insurance from IMG (International Medical Group)

  • Cost:

For a family of three prices vary depending on which plan (Silver, Gold, Gold Plus, or Platinum Plans) you choose. You can fill out a Quote form for IMG and get specifics for your family.

Annual premiums with a $10,000 deductible range from $778 (Silver) or $896 (Gold) to $1,224 (Gold Plus), or $4,813 (Platinum). Note that these are ANNUAL premiums. The first time I looked at the premium list I thought they were monthly and they scared me off until I realized they were Annual. Other lower prices are available if you want to exclude coverage for the U.S. and Canada and only have coverage outside these countries.

  • Benefits:

Provides coverage for all sorts of ailments from emergency evacuation to Hospitalization, Intensive care, surgery, out-patient care and accidental emergencies. Adult and child wellness coverage varies. Adult wellness is not covered under the Silver Plan but has $250 per period of coverage  that ‘s not subject o deductibles or co-insurances for those 30 years of age or over after 12 moths of continuous coverage. the Platinum plan provides $500 per period for those 18 and older after 6 months of continuous coverage. You can see the IMG Global Medical benefits list here. If you’re planning on having a baby be sure to look at the Maternity Rider for details (See info below). For adventurers and others there’s a variety of riders available for your adventure coverage and even life insurance plans.

  • Deductible:

You can choose from $100 (on Platinum) or $250 (Silver, Gold and Gold Plus plans) up to $10,000 per period of coverage. 50% of deductible is waived when within the PPO network.

  • Co-Insurance:

No coinsurance within the PPO network in the U.S. or when given medical care in the outside the U.S. and Canada. Coinsurance inside the U.S. and Canada is 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage.

  • Maximums:

Life time maximums of $5,000,000 per individual (Silver, Gold, and Gold Plus) and $8,000,000 for platinum.

  • Medical Evacuation:

Depending on the plan you get $50,000 (Silver) up to the maximum limit (Gold, Gold Plus, & Platinum Plans) Also they’re not subject to deductible or coinsurance.

  • Maternity Rider:

Add $2,500 to pretty much any of the insurance plans (it’s already included in the PlatinumPlan) if you want coverage for having a baby. However there’s a 10 month waiting period before you get 50% maternity coverage for the 11th and 12th months. Then you’d have to pay your premium and maternity rider for the next year before you’d start having full  maternity benefits starting with your 13th consecutive month of coverage.

 

  • Maternity rider numbers:
      • $50,000 Lifetime maximum
      • $5,000 for normal delivery
      • $7,500 for C-section
      • $200 child wellness benefit for the first 12 months, newborn care, and congenital disorders
      • Maximum of $250,000 for the first 31 days.
  • Reviews

Reviews of IMG Insurance are mixed with some who love it and some who despise it.

  • Contacts:
    • International Medical Group
      2960 North Meridian Street
      Indianapolis, IN USA 46208-4715
      Telephone: 1.317.655.4500 or 1.800.628.4664
      Fax: 1.317.655.4505
    • Visit www.imglobal.com

 

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HTH Worldwide

HTH offers programs ranging from annual plans for global living to short-term travel medical insurance to trip cancellation coverage. Since we’re missionaries here’s their specs on the Global Navigator plan.

  • Benefits:

HTH Worldwide coverage includes preventative care for children and adults, annual physicals, x-rays, etc. Of course they’re is always the “covered expenses” disclaimer which means they can review the bill on a case-by-case basis to determine if it is eligible.

In general, the Global Navigator Plan provides 100-percent for most international (Inpatient, outpatient, preventative and more) coverages. US (in network) coverage is about 80-percent and U.S. (out-of network) coverage is about 60-percent. See the list of specifics here.

  • Cost:

$353 per month*. Annual total: $4,236

*Based on a young family of three, the plan with a $2,500 (international) deductible costs. Pricing and coverage is subject to change. Check with the insurance company for current rates.

  • Deductible:

International deductible varies from $125 up to $2500.

  • Co-Insurance:

Co-Insurance maximums vary from $2,000  to $10,000

  • Maximums:

$5,000,000 lifetime maximum

  • Medical Evacuation:

$250,000 maximum benefit for emergency medical evacuation.

  • Reviews:

Reviews of HTH Worldwide Insurance are mixed.

  • Contact:

HTH Worldwide

100 Matsonford Road
One Radnor Corporate Center
Suite 100
Radnor, PA 19087 USA

(610) 254-8700

customerservice@hthworldwide.com

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Insurance Alternatives:

 

 

Christian Care MediShare

  • Reviews:
  • Positive:

We have had very good experiences with Medishare.  We highly recommend them.  They paid over $50,000 last year for breast cancer treatment.  Sometimes it takes a few tries to get all the paperwork processed but it saves a lot of money and pays for out of country bills.

  • Negative:

We had MediShare for 2 yrs. I had an emergency room visit last year and then surgery a few months later, they were not related to each other and the bills were being sent back, reviewed going to collection because medi share kept telling us not to pay yet. very frustrating trying to keep a good testimony with people everywhere and the “Christian” medi share group is blowing it for you!

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Samaritan Ministries International

 

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NOTE: Pricing and coverage is subject to change. This review of international insurance options is not intended to be comprehensive or current past the date it was originally written (May 2011). Follow the links to the individual insurance company for current rates.

  • Contact

2 thoughts on “International Health Insurance for Expatriates

  1. How happy have you been using IMG Global Medical Insurance? I am thinking about taking out the same policy, but wondering how your experience has been thus far. Have you had any problems processing claims or found coverage to be lacking in any areas? Thank you for your help!

  2. Tina,
    I’ve had no problems with IMG…however, I’ve never had any claims. I do find them a little tough to contact from here in Guatemala. We’re going to be having a baby early next year so I’ll have a really good idea of how they handle claims soon! I’ll try to post an update!

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