Global Insurance

There are very comprehensive health insurance packages for persons that reside outside their home countries. These policies offer major medical coverage wherever in the world you may travel. You sign up for a year at a time and can pay monthly, semi-annually or annually. You are guaranteed year to year renewal and can get coverage for pre-existing conditions. These plans are excellent options for international business persons and their families, expatriates, and people interested in retiring abroad.

If you require long-term medical coverage outside your home country, this type of insurance may be for you! The difference between these policies and those for visitor’s are several. The global or international insurance policies are for long-term coverage (at least 6 months to one year or more). The best coverage comes in the second year of the policy when wellness visits and waiting periods are over, so coverage for longer than a year is best. These policies, unlike visitor policies, are NOT guaranteed which means the applications require disclosure of a person’s medical history and the insurance company may reject an application. This means the application process may take a little longer. However, the rewards can be great since these are major medical plans which are guaranteed for several years and/or up to a certain age, providing continuous and complete medical coverage wherever you may travel!

Eligibility:

• Persons traveling primarily outside their home country, especially if they are US citizens or desire coverage in the US.
• Persons should be healthy (pre-existing conditions MAY exclude a person from coverage).
• People who live aboard boats or ships can get special coverage with some plans designed specifically for them.
• Persons who work and travel as missionaries also have some special policies available to them.