- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
Language日本語한국어عربيةItalianoРусский
Ask Our Specialists
Global Medical Insurance - IMG Hello, I was previously insured via your website with a fixed rate expat insurance policy. I think it is Global Basic Insurance (excl. USA & Canada) My premium was $827 for Dec 2006 - Dec 2007 (I am 44yo now). That was fine because I was in Prague, Czech Republic, and the medical fees there are very much less than in the West. However, now I am in Paris, France and I want to have a plan that gives me access to the American Hospital. The cost of visiting a doctor there can be 150 - 250EUR/visit. Additionally i want to be covered at 100% in the event of hospitalization (i can deal with a small co-pay if necessary), and it would be nice if pre-existing conditions are covered. My only pre-existing condition is TMJ joint problem, but I haven't had any problems with that for awhile. No other history of medical issues or hospitalization. I've looked around a bit and I'm worried about a few things. - the dollar is quite weak now, so that is why i need a policy that covers things based on actual cost - some policies, like the Allianz Worldwide Care, or BUPA cost about 3000$/year for a plan that covers hospitalization as well as visits to a physician. Most of the plans you offer seem to be significantly less. Where is the difference? thanks
Please look at Global Medical Insurance - Gold or Platinum at /expatriate-health-insurance/ to get better insurance product compared to Global Basic (Now called Global Medical Insurance - Silver). The reason Global Basic is cheaper than other products (including other products we offer) is because it has sub-limits on many different medical procedures. You can choose either 'WorldWide' or 'Worldwide excluding US/Canada'. Of course, 'Worldwide excluding US/Canada' is cheaper. Please let me know if you have any other questions.
Hello, Thanks for your message. I was looking at the Global Medical Insurance Gold. Does sub-limits mean there is a maximum payment for those procedures? Who would you recomment that product for as opposed to a more comprehensive package? What products that you offer are comparable to something like the Allianz package? thanks
Gold does not have sub-limits that Silver (Formerly Global Basic) has. Silver plan is primarily for the people who travel to or live in places where those sub-limits would be enough. All the plans we offer are at /expatriate-health-insurance/ and you can compare them side by side in details. Unfortunately, I am not aware of the Allianz package. Once you get the material from us (from the web site) and also from them to compare to see which one would be better for you. If you have any further quesstions, please feel free to contact us at any time.
Hello again, Thanks for this information. It seems that the Silver and Gold don't cover pre-existing conditions. Is the Citizen Secure plan reliable? It is most likely that i will just need coverage for doctor visits (is that outpatient?) thanks
Yes, Citizen Scure is reliable. Yes, Dr visits come under outpatient. If you have any other questions, please feel free to contact us at any time.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Search Questions and Get Answers
Type your question or hashtag below or Ask a Question
Did you know?
Prices are regulated by law.
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.
Learn More