Long-Term International Health Insurance Options
Meridian International Major Medical
Affordable, annually renewable coverage for immigrants and foreign nationals. No Social Security number required. Optional maternity coverage with no waiting periods. Can be issued up to age 74.
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: Basic and Enhanced.
Highlights and Benefits for Meridian Basic*
- 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.
Global Citizen International Major Medical
Our most exclusive and high-end health insurance plan featuring: a $30 office co-pay, preventative care, optional maternity, optional prescription card, dental and vision coverage. The plan also offers a cost-saving option to exclude coverage in the US. Pre-existing conditions are covered with proof of prior creditable coverage, subject to approval. Not available in all states.
Global Citizen International Major Medical Overview
Eligibility*
US citizens under age 74 residing outside the US, and all legal residents of the US (citizens or foreign nationals) under age 74 residing in an approved US state are eligible under Global Citizen.
Highlights and Benefits*
- Unlimited medical policy maximum
- $30 office co-pay
- In and out of hospital benefits
- Preventative care
- Pre-existing condition coverage after 6 months of continuous coverage (waiting period waived with proof of prior creditable coverage)
- Emergency medical evacuation
- Claims are paid directly to the PPO provider when you use in-network providers
- Maternity coverage option—no waiting period
- Accidental death and dismemberment (AD&D)
- Repatriation of mortal remains
- Optional prescription card
- Optional dental coverage
- Optional vision coverage
- Option to exclude US coverage for reduced rates (this option is available to US citizens only)
- This plan can be renewed annually
State and Country Restrictions*
Global Citizen is available in all states in the US, except: Idaho, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Oregon, South Dakota, and Washington. The plan does not cover travel to or from the following countries: Afghanistan, Chad, Congo (Democratic Republic), Cuba, Egypt, Haiti, Iran, Iraq, Israel, Ivory Coast, N. Korea, Libya, Nigeria, Pakistan, Palestine, Somalia, Sudan, Syria, Tunisia, and Yemen. 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.
SPECIAL NOTE: Residents of Idaho, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Oregon, South Dakota, and Washington*
You may purchase Global Citizen even if you live in one of the restricted states, so long as you are not travelling to or from one of the restricted countries listed above. Please call us at (800) 647-4589 or 01 (480) 821-9052 so we can explain how!
Plan Underwriter*
Global Citizen is underwritten by BCS Insurance Company, which is 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.
Reside® Worldwide Medical Plan
Our most affordable international medical plan for anyone living outside the US. This plan is annually renewable as long as you reside outside the US for a minimum of 6 months. No residency or citizenship requirements.
Reside® Worldwide Medical Plan Overview
Eligibility*
US and non-US citizens residing outside the US at the time of application or departing the US within 30 days of the effective date and who are between 15 days and 74 years old are eligible for Reside Worldwide. US citizens must reside outside the US for at least 6 months within the certificate period; if the insured US citizen resides within the US for longer than 6 months, coverage will terminate.
Highlights and Benefits*
- Up to $5,000,000 lifetime maximum (maximum reduced to $500,000 if used within the US)
- In and out of hospital benefits
- Coverage is per injury or sickness; please review schedule of benefits
- Discounted rates for dependent children
- Choice of 6 deductibles
- Maternity coverage after a 12-month waiting period
- Emergency medical evacuation
- Repatriation of remains
- Accidental death and dismemberment (AD&D)
- This plan can be renewed annually up to age 74 with no medical questions
State and Country Restrictions*
Reside Worldwide is available in all states in the US, except Florida. There are currently no country restrictions for this plan. 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*
Reside Worldwide is underwritten by Certain Underwriters at Lloyd’s, London, which is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard and Poor’s.
*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.
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.
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.
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.
Thank you for your patience in answering all of my questions. I am impressed with the courtesy you extend to your clients.
– Kathy V.
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