Long Term Comprehensive plans for Individuals & Families :
Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With popular plans like Global medical insurance (GMI) and Meridian Basic & Enhanced plans, a revolutionary program from Community Insurance agency, Inc (CIA) you will receive the worldwide medical coverage you need, backed by the world-class services you expect.
With CIA, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. IMG insurance plans also offer a cash incentive and to waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S. You need the proper worldwide coverage, provided by a company that’s there for you when you need us most.
Who the plans is designed for?
- Coverage for individuals or families living or working abroad
- Contract employees living and working abroad
- Seniors with dual residencies six months or longer outside the U.S
Unlock a world of adventure with our Long Term International Insurance Plans, specially designed for globetrotters and expatriates. Whether you’re a US citizen exploring distant lands or a digital nomad juggling work and travel, our distinct insurance coverage options keep you safe and secure.
Imagine having the freedom to roam without worrying about unexpected medical expenses. Our plans offer worldwide coverage, with customizable options to include or exclude the USA and Canada, ensuring you get exactly what you need. From emergency medical services and evacuation to hospital stays and specialized care, we’ve got you covered.
Experience 24/7 support from our dedicated team, making claims easy and stress-free. Our plans also provide optional add-ons for dental and vision care so you can focus on what matters most—your journey.
Don’t let uncertainty hold you back. Choose our Long Term International Insurance Plans today and embark on your adventures with confidence, knowing you’re protected every step of the way!
FAQs-Long Term International Insurance Plans
Long Term International Insurance Plans are designed to provide coverage for individuals living, working, or traveling abroad for extended periods. These plans typically cover a wide range of medical expenses, including emergency services, hospitalization, and preventative care. They are ideal for expatriates, frequent travelers, international employees, and retirees who spend a significant amount of time outside their home country.
Including coverage for the USA and Canada typically results in higher premiums due to the high cost of healthcare in these countries. Excluding coverage for the USA and Canada can significantly reduce premiums, making it a cost-effective option for individuals who do not require medical coverage in those countries, or who plan to visit less frequently.
Popular plans include:
- Global Medical Insurance (GMI)
- Meridian Basic & Enhanced plans
- IMG's Patriot International and Global plans
These plans cater to individuals seeking long-term coverage while living or traveling abroad.
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Global Medical Insurance (GMI): This plan offers comprehensive global coverage for medical expenses, including hospitalization, surgery, and outpatient care. It is designed for expatriates and international travelers with flexibility in selecting coverage levels and deductible options.
- Meridian Basic & Enhanced plans: These plans provide international health insurance with varying coverage levels. The Basic plan focuses on essential medical care, while the Enhanced plan offers broader benefits, including more extensive coverage for major medical needs and emergency evacuation.
The Medical Concierge program is a service offered by some international insurance plans that provides members with access to personalized medical support. This service helps find healthcare providers, arrange medical appointments, and offer advice on treatment options. It saves on medical expenses by guiding members to the most cost-effective providers and facilities.
IMG plans typically offer a cash incentive for members who choose to receive medical treatment outside the United States. This incentive encourages cost-effective care in regions where medical expenses are lower, such as Asia or Europe. The incentive can range from 10% to 25% of the covered medical expenses, depending on the plan.
Yes, these plans are specifically designed for individuals living, working, or traveling abroad for extended periods. They provide extensive medical coverage that ensures access to healthcare services in a foreign country, which is crucial for those without domestic coverage while overseas.
Yes, contract employees working internationally can benefit from these plans. Long-term international insurance plans provide flexibility for employees working on short or long-term assignments abroad, covering their medical needs while in foreign countries.
Yes, some international health insurance providers offer specialized options for seniors with dual residencies. These plans consider the unique medical needs and residency situations of older individuals who split their time between two countries, ensuring continuous coverage regardless of their location.
Yes, most Long Term International Insurance Plans include coverage for emergency medical services, including emergency evacuation. This coverage ensures that members can receive necessary medical care in case of emergencies, even if they need to be transported to a different medical facility or country.
Many plans offer customizable coverage options, allowing members to select the level of coverage that fits their needs. Options can include hospital accommodation, outpatient treatment, dental and vision care, maternity coverage, mental health services, and emergency medical evacuation.
Dental and vision care are typically not included in the base coverage of Long Term International Insurance Plans but are often available as optional add-ons. These can be added to the plan at an additional cost for those who require dental or vision care while abroad.
The claims process typically involves submitting medical bills and receipts to the insurance provider either online or by mail. Many insurers offer 24/7 customer support to assist with claims inquiries, help with finding healthcare providers, and guide members through the process.
Yes, these plans are ideal for digital nomads and frequent travelers who need flexible and portable healthcare coverage while moving between countries. The coverage allows them to seek medical care worldwide without the constraints of a local insurance plan.
These plans are designed to offer comprehensive, global coverage tailored to the needs of expatriates and globetrotters. They provide access to a wide network of healthcare providers worldwide, cover emergency medical services, and offer flexibility in terms of location, coverage options, and premiums, making them perfect for those who travel or live abroad.
