If you’re planning on spending longer than a year on the mission field (regardless of your nationality or citizenship), you’ll need an international health insurance plan to cover your needs. We can help you understand your options and find the right plan.
While the country you’ll reside in may provide healthcare services, these may not be fully available to you as a non-citizen, or the available facilities and care may not be adequate to your expectations.
It’s also wise to have a plan that includes evacuation coverage should you require care in another country.
The benefits included in long-term international health insurance are similar to those offered on short-term plans. They include:
- Medical care
- Emergency reunion
- Repatriation of remains, etc.
3 other things you need to know about international health insurance:
1. You can keep it long term. Unlike short-term plans, these plans are annually renewable (assuming you still pay your premiums!) so you’ll have continuous protection while you live abroad. In this sense they more closely resemble the health insurance plan you probably have in the U.S.
2. Medical underwriting. A long-term international health insurance plan is medically underwritten, so the application process is more more involved and will include some questions about your medical history.
3. Option to include coverage in the U.S. You can choose coverage that includes the United States and Canada or coverage that does not (this will lower your premiums). Coverage may or may not include pre-existing conditions, depending on the decision of the underwriters.
There are optional coverages available, including a term life insurance and dental coverage.
Who is the insurance provider?
Our primary carrier for long-term international health insurance is HCC Medical, a leading and reputable provider of international and travel insurance plans. The Citizen Secure policies are underwritten by Lloyd’s of London, one of the world’s oldest and best-known insurance markets.
As always, please contact us with additional questions or to discuss any particular concerns about coverage, including pre-existing conditions and that sort of thing.