Frequently asked questions

Commonly asked questions about purchasing International Health Insurance

For individuals, expatriates, families or groups who will be abroad for an extended period of time. Typically, these are annually renewable plans covering the insured individual for a period of 12 months (or one year). These plans are comparable to the standard medical plans you might receive from your employer.

There are two main types of coverage: Worldwide including USA and worldwide excluding USA. If you choose Worldwide including USA you can receive treatment anywhere in the world. If you choose Worldwide excluding USA you can receive treatment anywhere except in the USA. A list of your provider’s network hospitals, clinics and medical practitioners is available online. You can contact our Customer Care Team for more information.

If you’ve sought advice or experienced symptoms before the start date of your plan – whether you have been diagnosed or not – the insurer may decide to add special exclusions to your plan. So it’s important that you complete the medical questionnaire as accurately as possible when applying.

Where possible we will arrange to pay your hospital, clinic or doctor directly. However, if you have chosen a deductible, you must pay this amount yourself.

Call or go online for Network information or call our Customer Service or your provider’s Customer Care Team. Please remember to take your ID card with you when you go for treatment and ask your hospital, medical practitioner or clinic about direct billing if this has not already been confirmed. Where possible, we will arrange to pay the hospital, clinic or doctor you wish to see directly.

When you create your tailored plan, you have the option of adding deductibles. Example: you choose a deductible of $250, you’ll need to pay the first $250 of a covered claim or covered claims in any period of cover directly to your hospital, clinic or doctor at the time of treatment. Then, if treatment costs are $500, you’ll need to pay $250, and we’ll pay the remaining $250 of covered costs. If a deductible is chosen, you would only have to pay this once during any period of cover irrespective of the number of claims.

Cost share is the percentage of every claim you will pay. Out of pocket maximum is the maximum amount you would have to pay in cost share per policy year.


You have a claim value of $20,000. You have a $500 deductible on your policy. You have a 20% cost share with a $2,000 out of pocket maximum. We would pay $17,500. How is this calculated?

After you paid your deductible $500, your cost share is 20% of $19,500 ($3,900). This is more than your out of pocket maximum, so you would only pay $2,000 out of pocket maximum for the cost share (and the $500 deductible you paid at the outset) and we cover the remaining $17,500.

Policies for U.S, citizens / permanent residents applying from overseas are issued through the Global Citizen Association office in Washington D.C. The zip code that applied is 20036. Enter ‘’0’’ in the quoting tool if applying online while living overseas.