Expat Health Insurance | International Medical Insurance for Expatriates

Destination Health Profiles

Detailed, Country and City Level Information. Discover how we can help, no matter your destination.

Why Choose GeoBlue

Meet GeoBlue, a better kind of care for world travelers like you. Experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone.

Member Services

Discover GeoBlue's full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we've got you covered.

Benefits

Benefit Maximums	Outside U.S.	U.S. (In Network)	U.S. (Outside Network)
Lifetime Maximum per Insured Person	Unlimited	Unlimited	Unlimited
Annual Maximum per Insured Person	Unlimited	Unlimited	Unlimited
Preventative and Primary Care	Insurer Waives Deductible
Preventative Care For Babies/Children: (Birth to Age 18) a. Office Visits/examination b. Immunizations, Lab work & X-rays	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Preventative Care for Adults: (Age 19 and Older) a. Routine Pap Smears, annul mammogram b. PSA For Men c. Annual Physical Examination Health Screening d. Diagnostic lab work & X-rays	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Primary Care Office Visits	All except a $10 copay per visit¹	All except a $30 copay per visit	60% to Coinsurance Maximum then 100%
Professional Services	Insurer Pays After Deductible is Met
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Inpatient Hospital Services	Insurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
In-patient medical emergency⁶	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
In-patient drugs	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services	Insurer Pays After Deductible is Met, Unless Noted.
Ambulatory Surgical Center	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Ambulance Service	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Accidental Dental	$1,000 per year, $200 per tooth	$1,000 per year, $200 per tooth	$1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services	100% up to $2000	100% up to $2000	100% up to $2000
Durable Medical Equipment	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Infusion Therapy	100%	80% to Coinsurance Maximum then 100%	60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy, deductible is waived.	$30/visit, 12 visits per year	$30/visit, 12 visits per year	$30/visit, 12 visits per year
Rehabilitation and Therapy	Insurer Pays After Deductible is Met
a. Inpatient Mental Health	100% up to 60 days	80% up to 60 days	60% up to 60 days
b. Outpatient Mental Health	75% up to 40 visits / 60% thereafter	75% up to 40 visits / 60% thereafter	75% up to 40 visits / 60% thereafter
c. Inpatient Substance Abuse	100% up to 60 days detox	80% up to 60 days detox	60% up to 60 days detox
d. Outpatient Substance Abuse	75% up to 40 visits / 60% thereafter	75% up to 40 visits / 60% thereafter	75% up to 40 visits / 60% thereafter
Prescription Drug Benefit Options	Insurer Waives Deductible
Basic Prescription Drug Benefit	100% of actual charges up to $500	$0	$0
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period	100% of actual charges	Generics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%	Generics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%
Global Travel Benefits	Insurer Waives Deductible
Medical Evacuation	Up to $250,000	n/a	n/a
Repatriation of Remains	Up to $25,000	n/a	n/a
Accidental Death and Dismemberment	$50,000	$50,000	$50,000

Plan Deductible Choices ^{1, 2, 3, 4, 5, 6}	Deductible			Coinsurance Maximum
	Outside U.S.	U.S. In Network	U.S. Out of Network
Elite	$0	$0	$1,000	$2,000
1,000	$500	$1,000	$2,000	$4,000
2,000	$1,000	$2,000	$4,000	$8,000
5,000	$2,500	$5,000	$10,000	$10,000
10,000	$10,000	$10,000	$10,000	$10,000

This is a summary benefit schedule and certain benefit levels may be higher based on your state of issuance. Visit state specific mandates for more information. Note, customers outside the United States are issued a Washington, DC policy.

Copay waived when visiting a GeoBlue contracted provider ouside the U.S.
Deductibles are Per person per Calendar Year.
The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 2.5 deductibles.
Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
An Insured Person only has to satisfy his/her Coinsurance Maximum once a year for all services received outside of the U.S. and in the U.S.
Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty

Other Benefits	Insurer Pays after Deductible is Met
Home Health Care	100% Covered Expenses, as many as 30 visits per year
Skilled Nursing Facilitiess	100% with a maximum Covered Expense of $250 per day, as many as 50 days per year
Hospice	100% with a maximum Covered Expense of $5,000 per lifetime

For Exclusions and Limitations see Plan Description

Ten Day Money Back Guarantee

YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate of Insurance and your ID Card to GeoBlue within 10 days of your policy effective date. If you have not already used your insurance benefits, you will receive a full refund.

Travel Medical Insurance Fast Facts

Many international travelers do not have appropriate insurance protection. Government sponsored health programs such as Medicare almost never cover care received in a foreign country. Employer-sponsored health plans often limit overseas coverage to emergency care only (and the burden will be on you to prove it's an emergency). Emergency medical evacuation is almost never covered. Even if you're traveling on business, you may have significant gaps in your coverage.

Why is Travel Health insurance so critical for international travel?

Obtaining healthcare in some parts of the world can be tricky. Some hospitals won't provide any treatment—or won't allow a patient to be discharged—until the hospital has received a guarantee of payment. Such guarantees are commonly provided by travel insurers, in conjunction with assistance providers, but rarely by other insurers or managed care plans. This means you'll have to pay in advance, perhaps as much as tens of thousands of dollars, with your credit card. Of course, for this to work the hospital must accept foreign credit cards and your card must have a sufficient credit limit.

In addition, remember that leaving your destination—for a place with higher quality medical care or to return home where your regular insurance is accepted—can be difficult. Medical evacuations are tricky to arrange and there are some air ambulance providers who should be avoided. Worse, local authorities may have financial ties to certain evacuation companies. The solution? Most travel insurance includes a medical assistance benefit, which is critical. It gives you 24/7/365 access to a company that will arrange an evacuation for you with a creditable evacuation company--or, through their medical personnel, can help assure that you're getting appropriate treatment locally. The assistance company will also be available to help with other travel related problems such as legal troubles, lost passports or credit cards, etc. Emergencies are rare but everyone should have a contingency plan.

Assess Your Personal Health Plan

If you have health insurance in the U.S., the first step is to check with your insurance company and establish what kind of coverage you have. If you have difficulty getting a straight answer, that alone should be a warning. If you don't have insurance in the U.S., consider that you might need it more than ever when traveling—and recognize that the coverage can be cheap—as little as $1.50 to $9.00 per day.

Main Types of Coverage to Consider

Health/accident insurance. Typically referred to as travel health insurance, these policies pay for doctor and hospital bills, and sometimes dental care and medications. These plans can be written for short trips (1 day - 6 months) and will supplement Medicare or a managed care plan. International health insurance can also be purchased as primary insurance for expats or someone relocating to another country for an extended period of time (6 months or longer). These plans are comprehensive and include added features such as preventative services, acupuncture, chiropractic, maternity benefits and more.

Medical Evacuation. Evacuations can be expensive (as much as $100,000 or more from a remote location). In addition to the coverage, you'll want assistance arranging an evacuation. All of GeoBlue’s products offer coverage for medical evacuation.

Expat Worldwide Medical Plans

Benefits

Benefit Maximums

Outside U.S.

U.S. (In Network)

U.S. (Outside Network)

Plan Deductible Choices

Deductible

Coinsurance Maximum

Other Benefits

Insurer Pays after Deductible is Met

Ten Day Money Back Guarantee

Travel Medical Insurance Fast Facts

Why is Travel Health insurance so critical for international travel?

Assess Your Personal Health Plan

Main Types of Coverage to Consider