Premium Health Insurance
Anywhere in the World

Yes. Unlike most international plans that exclude the US, this plan provides full coverage in the United States. You can use any hospital and any doctor in the US just as you would abroad. This makes it ideal for expats who travel back to the US regularly, or for US residents who spend significant time abroad.

Correct. There are no network restrictions. You can visit any licensed medical provider anywhere in the world. No referrals required for specialists in most cases. You choose your doctor, your hospital, your care. The plan works with you, not against you.

For major hospitals worldwide, we can arrange direct billing. This means the hospital bills the insurance company directly — you don't pay out of pocket and wait for reimbursement. For smaller providers or emergencies, you may pay upfront and submit for fast reimbursement, typically processed within days.

Coverage for pre-existing conditions depends on the specific condition and your medical history. Many conditions can be covered after a waiting period, or with a medical history review. We'll work with you during the application process to understand exactly what's covered and set clear expectations upfront.

If you have a medical emergency in a location without adequate facilities, we arrange and pay for medical evacuation to the nearest appropriate hospital — or back to your home country if medically necessary. This includes air ambulance, medical escorts, and all associated costs. There's no cap on evacuation expenses.

Yes. Family plans are available that cover spouse and dependent children under one policy. Family coverage often provides better value than individual plans. Maternity and newborn care are included in family plans, covering pregnancy, delivery, and care for your newborn from day one.