Health Insurance for Expatriates Worldwide
You may need a comprehensive health plan because you are moving to a new country where you do not have access to public health coverage, or you may being on an extended trip (perhaps sailing around the world) and want superior coverage to that offered under traveller's insurance.
We provide a range of expat health plans from multiple insurance
companies. Please complete our Quotation Request Form for Expatriates, or
simply contact us with the details of your ‘insurance scenario’ and
we will quote on the plans most relevant to your situation.
We encourage you to read the list of factors that expats should consider when buying health insurance:
Expatriate Health Plans - Factors to Consider
Quotation Request Form for Expatriates
Working outside your home country?
Some medical plans are exclusively designed for working/employed expatriates. Also, working expatriates may purchase the following non-medical benefits, either in combination with medical coverage, or as stand-alone benefits:
- Life Insurance
- Accidental Death & Dismemberment Insurance
- Short Term Disability Insurance
- Long Term Disability Insurance
Working in a high risk location, or war-zone?
We provide solutions for medical doctors, journalists, students,
missionaries, and others on assignment in war zones, and other ‘high
risk locations.’ Contact us for more details.
Some of the Expat Health Plans DCIS provides
The following expat health plans are available to working and
non-working expatriates alike. Our insurance agents look to these
and other marketplace options to find the ‘best fit’ and best value
for each client.
Please Note: Your ‘first choice’ of plan may not be
available for your country of foreign residence. While most
expatriate plans offer options for ‘worldwide coverage’ each
underwriter has restrictions regarding certain countries which they
either will not or cannot accept as the applicant’s location of
primary residence. Once again, we encourage you to connect
with our experienced insurance agents for a full consultation
regarding your insurance needs and the options in the marketplace.
Cigna Global Individual Private
Medical Insurance
Cigna offers a full spectrum
of annually renewable individual health plans ranging from essential
core benefits to executive level benefits.
Cigna’s “metal series” of
plans (Silver, Gold, and Platinum)
offer comprehensive global medical coverage, either including or
excluding USA. The Silver, Gold, and Platinum plans differ in terms
of their “core coverage” benefits and/or benefit limits. To any of
those core cover plans, one can add one or more supplemental benefit
modules, including:
1) international outpatient benefits 2) emergency evacuation 3)
health & well-being benefits 4) vision and dental benefits
Cigna’s “Close Care” plan
offers a unique and lower priced set of benefits for those who only
need coverage in one country of foreign residence, and in their
country of nationality/citizenship. Outside of those two countries
medical expenses are excluded, with the exception of a limited
provision for emergency medical coverage during short term travel.
Contact
a DCIS agent for more information and for a free quotation of
Cigna plans.
Global Medical Insurance (GMI)
GMI offers annually renewable, worldwide coverage for clients residing outside their home country. This is an annual plan and is only available in 12 month terms. For clients considering this plan, we strongly recommend the Gold Plus or Platinum Plan options as the Silver and Gold Plans have reduced benefits by the third year of coverage.
Links and downloads:
Canadian Expatriates Plan
As of May 1, 2023 Allianz Global Assistance has discontinued the
"Canadian Expatriates Plan." Existing policies will remain valid until the policy Expiry date, however current policyholders will not be able to renew coverage under that plan. Please contact a DCIS licensed insurance agent for a personalized review of your circumstances and quotation for other plans in the marketplace.
Updated: May 2023
