2 Examples Of The Best International Health Insurance Plans. Moving abroad marks the start of a new chapter in your life and necessitates extensive preparation and planning. It’s simple to become overwhelmed with finding housing, paperwork, and adjusting to your new surroundings. Many people overlook their health insurance in the midst of all the planning.
There are numerous international health insurance companies to choose from, making it difficult to find the right one. Not only must you consider your own healthcare needs, but you must also consider the health system in your new country. Another option is to choose between travel insurance and a comprehensive cover choice for longer-term stays.
The first step in your search for worldwide health insurance should be to narrow your options down to 3 or 4 insurance providers. These service providers should be dependable, and accessible, and offer flexible healthcare plans that fit your lifestyle and needs.
We assessed many of the top health insurance companies to determine which ones provide the best international health insurance plans. Your research should begin with the top 2 international health insurance companies.
The Best International Health Insurance Plans: WILLIAM RUSSELL
Inez and James Cooper, a husband and wife team, established William Russell in 1992 to provide comprehensive insurance options for expatriates, with a strong emphasis on life and health insurance. The company focuses on international services as a core business unit, distinguishing it from other huge health insurers that provide international health insurance plans as an add-on.
International Health Insurance Plans:
William Russell has four plans that range in price and coverage: Bronze, Silver, Silver Lite, and Gold.
The Bronze plan is an urgent-care policy that pays for the costs of medical emergencies. Despite its simplicity, the plan includes mental health treatment, cancer treatment, as well as emergency medical evacuations. The plan has a $1.5 million annual limit for all medical treatments.
The Silver Lite plan expands the Bronze plan’s coverage but eliminates mental health coverage. Customers instead receive coverage for outpatient care, cancer treatment, medical evacuations, limited emergency dental care, and hospitalization. The annual limit is the same as the Bronze plan.
The Silver plan provides comprehensive care, which includes all of the coverage found in the Bronze & Silver Lite plans, as well as optional wellness and dental care. In addition, the plan has a higher annual maximum of $3 million.
Only the Gold policy covers pregnancy and childbirth, as well as nearly all potential medical costs while abroad. It also has the highest annual allowance of $5 million per year, as well as several optional add-ons, making it one of the most comprehensive health insurance packages available.
While these plans cover the majority of typical healthcare costs, you can also customize your plan with add-ons like dental care, well-being, maternity, and outpatient procedures.
The Best International Health Insurance Plans: Cigna
Cigna is one of the largest health insurance companies in the United States, offering a wide range of insurance plans as well as products, such as international health insurance.
Cigna, unlike other healthcare insurance providers, only works with families and individuals and does not provide employer health insurance or other commercial options. Its primary goal is to provide high-quality, easily accessible healthcare to private customers. Cigna plans provide worldwide coverage with the choice of obtaining coverage in the United States for up to 60 days per insurance period.
International Health Insurance Plans:
Cigna, like most providers, offers a variety of international plans for health insurance with varying costs and coverage. It’s relatively simple to tailor these plans to your specific requirements and budget, particularly with a wide range of add-ons available, such as dental and optical care.
Cigna has three levels of coverage: Silver, Gold, and Platinum. All plans include inpatient and outpatient treatments as well as hospital stays, as well as cancer and newborn care. Higher-tier plans have higher annual limits as well as more comprehensive maternity care as well as mental healthcare coverage. Customers can also customize their out-of-pocket maximums as well as copayments to fit their budget, as these options influence the final premium amount.
The Silver Plan includes medication, cancer care, intensive care, specialists, ambulance services, or even inpatient urgent dental treatments. However, some benefits are restricted, such as imaging, mental health care, alternative therapies, and rehabilitation.
In addition to the annual limit of $1 million for inpatient care, the Silver plan includes up to $100,000 in advantages for outpatient care like GP and specialist consultations, annual hearing and vision tests, and prescribed medication. The plan also includes a limited number of preventative care benefits, such as gynecological visits but also mammograms.
As a core benefit, the Gold Plan provides a significantly higher annual maximum of $2 million for inpatient care as well as maternity care. While the coverage is similar, the Gold plan has more generous limits on most benefits, making it the better choice for people that are interested in routine as well as outpatient care.
The Platinum Plan offers some of the most comprehensive coverage of any international health plan. It provides annual benefits that are unlimited, and while maternity benefits are limited to $14,000, many of its other benefits are unrestricted.
Because each country has its own set of rules, Cigna also provides specialized plans that are domestically compliant in the United Arab Emirates but also in Thailand.
Cigna’s plans all include access to the Cigna Wellbeing App and the Global Telehealth service, which provide non-emergency healthcare services when needed. These telehealth consultations seem to be multilingual and free of charge, with no deductibles or copays.
Conclusion: A decent international health insurance provider will have a claims process that is available 24 hours a day, seven days a week. Many will have an online system as well as a dedicated process, so learn how to file a claim before you need to.