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Expatriate insurance Dear Sir/Madam, I’d like to inquire about global medical insurance for me and my family. We are a family of four: ages 42, 41, 7 and 5. My children and I are U.S. citizens and my husband is an Australian citizen. We currently reside in Hong Kong with no set time period to return to the U.S. I was looking at your coverage online and have a few questions: Is the annual deductible calculated per person or for the whole family? What does ‘50% reduction within PPO’ mean? Does our health insurance carry with us when we travel to other countries or would we need travel insurance if we were to travel outside of Hong Kong? Do you offer a combination of health and travel insurance on an annual basis? Are there any countries in the world excluded from coverage? Many thanks for your assistance.
Thank you for your interest in purchasing Global Medical Insurance for your family. 1. Deductible is per person. GMI Platinum: Maximum 2 deductibles/family GMI Gold and Silver: Maximum 3 deductibles/family 2. That means if you take $500 deductible and you go to the providers within First Health PPO in United States, you only have to pay $250. Doesn't matter outside the US. 3 & 4. There are two options available: Worldwide and Worldwide excluding US/Canada. Therefore, if you take worldwide, it will cover everywhere in the world. If you take worldwide excluding US/Canada, it would cover anywhere outside US/Canada. You can get instant quotes, compare the plans side by side and make an instant purchase online at /expatriate-health-insurance/ 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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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