Expat Medical Insurance
While Living and Working Internationally
No matter where your home currently is, moving and starting a life overseas is a big change. As you prepare for this international move, a few important necessities may initially get overlooked. One key item is to decide how you will get access to medical coverage outside of your home country. Perhaps you are already living and working overseas and have determined you need different international health insurance coverage. Either situation, we know that there are many different reasons people spend some portion of their lives working outside their home country. This section of our website is dedicated to just a few of these groups of people and how we might be able to assist them in their expat medical insurance abroad needs.
HCC Medical Insurance Services offers a full line of international insurance products to help meet your international health insurance needs. Our recommended products are:
CitizenSecure® Expat Medical Insurance
Our most comprehensive international major-medical insurance for individuals and families
CitizenSecure® Economy Long-term International Insurance
Our most affordable international expat medical insurance for individuals and families
StudentSecure® International Student Health Insurance
Worldwide health coverage for students pursuing their education abroad
GroupSecure® Worldwide Group Insurance
Our international group medical plan for 3 or more employees working and living abroad
IC+ International Term Life Insurance
Our ten-year term life insurance available to individuals outside the US and its territories
CitizenSecure® Expat Medical Insurance for Living More Than a Year Abroad
When living abroad for periods of one year or more, a typical travel medical insurance plan may not be enough. If you are a US citizen or even a citizen of another country, you may find that traditional sources of private or government-sponsored health insurance may not meet your needs once you step outside of your country's territory. Our CitizenSecure® international health insurance plans are designed for expatriates, whether you're retiring overseas, studying abroad, transferring for a job, working as a part of a ship crew, or just wanting a change in scenery.
Our CitizenSecure® plans help meet expatriate medical insurance abroad needs by providing features like a $5,000,000 lifetime limit, worldwide medical coverage, maternity benefits, mental health benefits, wellness benefits, and emergency medical evacuation benefits. The CitizenSecure® plan offers two coverage areas: Including the US and Canada and Excluding the US and Canada. If you desire worldwide coverage, select the "Including the US and Canada" option when getting your personalized online quote. If you do not need or desire coverage in the US and Canada, you may obtain lower premiums by selecting the "Excluding the US and Canada" option when getting a quote and applying for your plan.
Be sure to protect yourself financially from an emergency medical situation while living overseas by having comprehensive international health insurance with worldwide coverage with our CitizenSecure® expat medical insurance.
CitizenSecure® Economy: Cheap International Health Insurance
Feel confident you have insurance protection while heading overseas as an expat with a CitizenSecure® Economy expat medical insurance plan today. Our CitizenSecure® Economy is our more affordable option for an expatriate international health insurance plan, and it features family-friendly benefits like a coinsurance option for claims within the US and Canada, which allows for 80% of eligible expenses per member, per certificate period be covered for the first $5,000 of eligible medical expenses and then pays 100% up to the overall maximum limit of the plan. For charges incurred outside the US and Canada, the plan pays 100% up to the overall maximum limit for eligible medical expenses. Our expat medical insurance plans also come with Maternity, Newborn, and Wellness benefits to help you protect your family's health in your new home.
Get the protection you need overseas at a price you can afford with a CitizenSecure® Economy cheap international health insurance plan today.
StudentSecure® International Student Health Insurance
It's natural to worry about your child going to study abroad and to want to make sure the relocation is as smooth as possible for them. Help make sure they are protected even while out of reach with our StudentSecure® international student health insurance plan. Our international student health insurance plans come with insurance benefits like emergency medical evacuation, repatriation of remains, and emergency reunion. To help make the move to their host country a little smoother, our plans also come with a full list of Travel Assistance Services free of charge. There are services like tracking for lost luggage, emergency cash transfers, lost passport/travel documents assistance, translation and interpretation assistance and more.
Be sure to pack plenty of insurance protection for your son or daughter as they head out to study abroad with our StudentSecure® international student health insurance plan!
GroupSecure® International Group Insurance
Looking for an insurance solution for your employees overseas? Request a proposal for our GroupSecure® international group insurance for three or more employees. With options like:
- Group rates
- Monthly payment options
- Life insurance coverage
- Quality medical insurance coverage
- Dental insurance
- Prescription drug benefits
GroupSecure® may be just what you've been looking for. Whether your company is US-based with three or more employees overseas or it is non-US based employing expatriates, third country nationals or key local nationals as employees, GroupSecure® can work for you.
Request a GroupSecure® Proposal today for your global company's employee insurance benefit package.
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IC+ International Term Life Insurance
Are you living abroad and need an international term life insurance policy? Then take a look at our IC+ international term life insurance plan for individuals living and working abroad that want protection for their family and finances. IC+ offers basic, terminal illness and double indemnity options for you to choose from. With coverage available for up to ten years and up to $2 million, you can feel confident that in the case of an untimely death, you'll have help to:
- Provide cash/income following death
- Sustain your family's standard of living
- Cover debts and taxes
- Provide income for your children's education
Get an IC+ international term life insurance quote today and get the life insurance protection you need for your family while living abroad.
* The claims examples provided above are based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.
