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Worldwide medical insurance Hello I am a US and UK citizen currently residing in Florida. In april I will be traveling to spain for 5 months, will be back in the US for a few weeks in sept, then plan to move again outside the US for 4-5 months.I am looking for a comprehensive global medical plan that will cover me worldwide (including US) since I will be in and out of the country several times a year from now on. (I will definitely be spending more than 6 months of any given year outside the US). The plan must also be renewable as i will using this as my primary insurance from now on. I would be grateful if you could recommend any particular plans for which I am eligible. I had contacted IMG recently, but I was informed that they could not insure me since I am in Florida right now and they are not licensed in that state. I am aware of other insurance companies like SRI, IHI, HCCMIS, but I think it will be better to go through an insurance broker to get the best deal and to ensure that I am eligible. A quote for each plan would also be helpful. FYI: I am male, 35 years old, no dependents or spouse. I am looking for a deductible of $1000, and premiums paid either monthly or quarterly, preferably in USD. Plan must be annually renewable. Also if there is a dental coverage option pls let me know. Any personal recommendations of one plan (or insurance provider) over another based on your own experience would also be very helpful. If you need more information please let me know. Otherwise I look forward to your quote, and any further details. Thanks alot
I recommend that you visit /expatriate-health-insurance/ and enter your data. You will be able to see insurance plans various companies like IMG, HCCMIS, SRI etc. listed all one after another (You can NOT buy IMG because you are in FL.) As long as you are planning to spend less than 6 months in US, you can buy any of those plans. You will also be able to make detailed side by side comparison of several plans. You can also choose among different deductibles and payment frequencies. You can make online application of the plan you like. If you would like to purchase dental as well, I would recommend IC Platinum (HCCMIS) as it has dental rider. I hope that answers all your questions. Please let me know if you have any other questions. Thanks & Regards
Thanks very much for the quick reply. I checked the link you cited. Would be grateful if you could briefly share with me any personal experience with SRI and HCCMIS as I will need to choose between these two (if not choosing dental) since they are both similarly priced. e.g. Which has the better reputation Have either had any problems with claims settlement or practice Do either offer restrictive global coverage (I know some plans regard puerto rico and USVI for example as US, while others say they are international) Are both annually renewable (I am already assuming the fact I am in florida is ok, so they must have some form of Fl state licensing) If not including dental, would you utlimately recommend HCCMIS or SRI Also any more information about your company (its difficult to tell purely from a website whether a company is a legitimate concern, as Im sure you are aware) Thanks very much. I appreciate your help. Rgds
Both SRI and MNU are excellent companies, and for non US residents major medical insurance, both are resellers of the same insurance company, Lloyds. Both offer worldwide coverage and are annually renewable. Even without dental, I would recommend MNU IC Platinum because their eligibility criteria is less restricted in some cases regarding residency etc. And of course, we are legitimate and licensed insurance agents. You can read about us at /about-us/ Please let me know if you have any other questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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