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Long-Term Life and International Health Insurance Options

GeoBlue Xplorer

Expatriate health insurance for global living.

GeoBlue Xplorer Overview

Eligibility*

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage or; All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in an approved state or; An employee of a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

Highlights and Benefits*

  • Worldwide protection–only requires being overseas 3 months in the first year
  • Ability to define your deductible
  • Pre-existing conditions are covered with credible coverage
  • 100% coverage outside of the US for most benefits
  • Emergency medical evacuation and repatriation
  • $50,000 AD&D benefit
  • Unlimited annual lifetime medical maximum
  • Worldwide PPO network with thousands of English-speaking doctors
  • 24/7 assistance call center

State and Country Restrictions*

GeoBlue Xplorer is not available in the following states: Alaska, Colorado, Connecticut, Georgia, Idaho, Kansas, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nevada, New Hampshire, Oregon, South Dakota, Texas, Utah, Vermont, Virginia, and Washington. If you live in another state, please contact us for assistance.

Plan Underwriter*

GeoBlue Xplorer is underwritten by a U.S. Licensed & Admitted Insurer: 4 Ever Life Insurance Company, rated A- (excellent) by A.M. Best.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Global Citizen

The Global Citizen health plan is designed to support the international lifestyles of those who travel to and from the United States for extended periods of business, leisure and study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. The risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

Global Citizen Overview

Eligibility*

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens or foreign nationals) who are age 74 or younger at the time for application are eligible if they live in an approved state. An employee of a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

Highlights and Benefits*

  • Worldwide protection—only requires being overseas 3 months in the first year
  • Wide range of deductibles—from $0 to $25,000
  • Pre-existing conditions are covered after only 6-months (not after 2-years like other international plans)
  • HIPPA compliant (6-month pre-existing condition waiting period can be reduced or waived entirely with certificate of creditable coverage)
  • 100% coverage outside of the US for most benefits
  • Emergency medical evacuation and repatriation
  • $50,000 AD&D benefit
  • Unlimited lifetime medical max
  • Worldwide PPO network with more than 4,500 English-speaking doctors
  • 24/7 assistance call center

State and Country Restrictions*

Global Citizen is available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, Wisconsin, & Wyoming. If you live in another state, please contact us for assistance.

Plan Underwriter*

Global Citizen is underwritten by an outstanding U.S. Admitted Company–BCS Insurance Company, which is rated A- (Excellent) by A.M. Best for financial strength.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

High Limit Accidental Death Insurance

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

High Limit Accidental Death Insurance Overview

Why do I need Accidental Death & Dismemberment Protection?*

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

Anyone ages 18-74 who needs accident protection, including…*

  • Missionaries living overseas.
  • Personal or Business Travel – Domestic or International.
  • War Zone coverage – Most life insurance companies will not cover individuals that travel to War Zones or who have recently traveled to War Zone, with the High Limit Accident policy we have no problem providing coverage to them in these high risk areas.
  • Contractors in War Zone who need to provide coverage to their employees.
  • Security Guards in War Zones who need personal coverage.
  • Hazardous occupations such as Logging, Roughneck, Fisherman, Pilots and many more.
  • Key Person coverage.
  • High Limits – $50,000,000 or more.
  • Personal or Business Travel – Domestic or International.
  • Estate Planning Purposes.
  • Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing, and more!

State and Country Restrictions*

High Limit Accidental Death Insurance is available in all states except: Montana and Rhode Island. Excluded states and countries are subject to change; please contact us at (800) 647-4589 for an up-to-date list.

Plan Underwriter*

High Limit Accidental Death Insurance is underwritten by certain underwriters at Lloyd’s of London, the world’s oldest and largest insurance market.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 

Meridian International Major Medical

Affordable, annually renewable coverage for immigrants and US citizens living overseas. Our lowest priced long term plan.

Meridian International Major Medical Overview

Eligibility*

US and non-US citizens between 14 days and 74 years old and who reside outside of the US, as well as non-US citizens who cannot purchase health insurance within the US due to residency or citizenship status are eligible under Meridian.

Special Note: 2 Plan Options*

Meridian offers 2 levels of coverage: Essential and Enhanced.

Highlights and Benefits for Meridian Essential*

  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Limited pre-existing condition coverage after 24 months of continuous coverage
  • Optional maternity rider with no waiting period
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

Highlights and Benefits: Meridian Enhanced*

  • Up to $5,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Limited pre-existing condition coverage after 12 months of continuous coverage
  • Maternity coverage after 12 months of continuous coverage
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

State and Country Restrictions*

Meridian is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Meridian is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Application and Rates

"MissionaryHealth" Group International Plan

Our MissionaryHealth Group International plan is just one of many options we can quote for your groups particular needs and location. For home staff we may also quote a “self funding” option. We can provide war zone group insurance, kidnap/ransom, international accidental death and more. Contact us so we can begin the process of customizing a specific international group plan that best fits your needs. We do not represent only one company but we shop for you.

"MissionaryHealth" Group International Plan Overview

MissionaryHealth Group International Plan

Our MissionaryHealth Group International plan is just one of many options we can quote for your groups particular needs and location. For home staff we may also quote a “self funding” option. We can provide war zone group insurance, kidnap/ransom, international accidental death and more. Contact us so we can begin the process of customizing a specific international group plan that best fits your needs. We do not represent only one company but we shop for you.

 

War Zone Life & Health

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site.
NOTE: War Zone Brochure
NOTE: Kidnap-Ransom Brochure
NOTE: High-Limit Accident Brochure
NOTE: Disability Income Solutions Brochure
NOTE: USAway Brochure

War Zone Life & Health Overview

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site. Also a quick video overview of this plan can be viewed here!

If you can’t find what you’re looking for or have questions about Long-Term International Health Insurance, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon.


Custom International Term Life and AD&D Insurance

International term life and accidental death and dismemberment (AD&D) insurance differs from domestic policies because it takes into account the unique risks involved with living and working in another country. Risks like political unrest, war and acts of terrorism, accidental death and dismemberment, and the potential for kidnapping.

Common risks also affect families overseas. Statistics show that the primary cause of accidental death while living or traveling abroad are car accidents. Train and other transportation accidents are other common risks people face all over the world.

For your custom international term life insurance policy, please provide some information about yourself. The information you send us in this form is confidential and secure. Read our privacy policy.

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If you can’t find what you’re looking for or have questions, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon.