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:
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
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.
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,
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
The Allianz Global Assistance "Canadian Expatriates Plan" is
for Canadians residing
outside Canada, and it is also used by Canadian Residents travelling
for an extended period outside Canada and who want medical coverage
that is superior to ‘traveller’s insurance.’
This is a competitively priced plan with three coverage
levels. It can be purchased for terms of 1 – 12 months at a time.
Note: Medical Underwriting is required at time of initial application and for each renewal application. Therefore a sickness or injury suffered in one policy term could be excluded in a subsequent policy term. For this reason this plan is not ideal for clients who require ‘seamless coverage’ over multiple years.Downloads:
™ “RSA” and the RSA logo are trademarks owned by RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada.
VIATOR Individual Expatriate Plan
The Viator Expatriate Plan is for Canadians residing outside
Canada, and it is also used by Canadian Residents travelling for an
extended period outside Canada and who want medical coverage that is
superior to ‘traveller’s insurance.’
It can be purchased for terms of 6 months, 9 months, or 12
months at a time. (A policy holder who has had continuous coverage for
12 months or longer may extend coverage for up to 90 days upon
permanent return to Canada to cover the waiting period for Provincial
health insurance). There is no medical history questionnaire for this
plan, but there is an exclusion regarding pre-existing medical
Patriot Travel Medical Insurance
Patriot Travel is low-cost ‘stand-alone’ medical insurance ideally suited to people who need temporary coverage outside their home country for periods of one year or less. Patriot Travel is designed to cover expenses arising from unforeseen illness or injury. Under the Patriot Plan from IMG, you have the option of selecting various levels of coverage as well as choosing from different deductibles. The deductible is applied per person per policy. Please refer to the Patriot America rates which are for Non-US Citizens travelling outside their home country; the Patriot International rates are for US citizens travelling outside the USA only.
Links and downloads: