Basic Plan Types - Annual Medical Insurance

Annual Medical Insurance is annually renewable international medical insurance with higher maximum policy coverage levels (up to US$5 million) and more comprehensive types of coverage (life insurance, higher limits of AD&D, and daily indemnity for hospitalization can be added to coverage for additional premiums). Coverage is appropriate for individual expatriates and their families, as well as employees working abroad, international organizations, missionaries, and others who want annually renewable major medical insurance to serve as their primary medical insurance. Coverage is available to all nationalities living outside their country of citizenship (or home country depending on the plan). Some plans will cover you in your home country as well as everywhere else in the world. Medical questions are asked and may result in applicant being subject to underwriting in which case a policy may or may not be issued depending on the judgment of the underwriter. Pre-existing conditions may be covered up to a maximum limit that is a fraction of the policy maximum.