Insuring  Personal  and  Commercial  Property  and  Liability 
   .   .   .   .   .   . HEALTH  INSURANCE  .   .   .   .   .   .   


Health Insurance - Worldwide

Setting the industry standard, we combines the latest mobile technology and worldwide healthcare expertise to deliver global medical assistance and health benefits that put the health, safety and convenience of world travelers first.

Our innovative approach opens the door to an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world. The scope of our services and technology create a complete, reliable, convenient way to keep international travelers and expats healthy and productive.

Frequently Asked Questions


What is the Expat plan?

The Expat is a primary major medical group plan that provides comprehensive coverage worldwide, including inside the U.S.

Why buy Expat?

Domestic health insurance plans often limit coverage abroad and do not have systems designed to handle international claims and medical assistance. Expat features a contracted international community of carefully selected doctors and hospitals in nearly 200 countries as well as the global experience, expertise and systems to deliver exceptional service and convenience to expatriates and their employers.

Who is eligible to enroll?

Expat is designed for employees and their families on international assignment. Plans are purchased in the U.S. but may also cover expatriates who are third country nationals.

What does the Expat plan cover?

The benefits are rich; the plan covers everything from medical evacuation and hospitalization to maternity care and well visits. In addition, there are

No waiting periods associated with any preventative services
No pre-certification requirements
No deductibles applied for office visits and preventative care
No limit on time spent in or out of US

What is the minimum number of expatriates that can be covered under this plan?

Group policies are written for as few as two expatriates.

Is there a deductible?

Deductibles can be customized to fit the group's needs.

What is the process for enrolling new members mid-term?

Expat is supported by online administrative tools. The group administrator can enroll new members, terminate members or make changes to existing member profiles directly online at any time.

What is the premium invoicing process?

The premium is invoiced monthly. Invoices for the next month’s premium are made available on the website and are sent out to the client via regular mail on or around the 20th of each month. Premium is due 30 days from receipt of the invoice, payment can be paid via check or wire transfer.

Is prescription coverage available with this plan?

Yes, the policy includes retail and mail order prescription drug coverage whether members are inside and outside the U.S. If a prescription drug is unavailable in a country outside the U.S. the plan makes arrangements to ship the medication directly to the member.

Can benefit plans be customized?

Yes. we can tailor benefits to a customer's specifications.


Who underwrites the plan?

Expat is underwritten by 4Ever Life Insurance Company, rated A- by Best. 4 Ever Life Insurance Company enhances protection with unique underwriting solutions nationwide for insurance companies, brokers, agents, administrators, employers, employees and individuals.

With over 60 years experience in enhancing protection, 4 Ever Life is rated "A-" (Excellent) by A.M. Best and licensed to provide health and life insurance solutions in all 50 states, the District of Columbia, and Puerto Rico.

Any pre-existing condition exclusions can be waived with proof of prior creditable coverage.