International Travel/Health Insurance

This chart will give you an idea of the differences between the plans available. The International Citizens - Platinum & Premier, Reside Prime, Reside Worldwide, and Global Medical plans can be compared side-by-side to help you make your choice. All of the plans are good or we wouldn't have them on our site. And, if there was anything else better, we'd have it here as well -- being brokers, we can sell anything at the same cost you'd get it anywhere else. The Reside Worldwide benefits are paid on a schedule of benefits. The schedule can be viewed in the quote engine. And, it's this schedule that brings it's lower cost. The Global Medical plan is the only plan that can be used in the US for a resident who is not a Citizen. So, it's perfect for a new US immigrant. It's also very popular elsewhere. Our biggest two sellers are the I.C. Platinum and the Global Medical.

Remember the policies we offer will cost you the same regardless of where you make your purchase. Some companies may offer only one of these carriers because they get paid more to have an exclusive arrangement. We decided to give the best deal to our clients instead of keeping it for ourselves. Since the price is the same, if you find our site useful, we'd appreciate your business.

The quote buttons will open a new window to allow you to place the quotes side by side. The ones at the top and bottom use different formats, so if your browser doesn't open these at the top, try the ones at the bottom of the chart. If you want printable PDFs of the brochures and applications, go back to the main international health insurance page.

	International Citizens Platinum	International Citizens Premier	Reside Prime	Reside Worldwide	Global Medical
Company	Multinational	Multinational	Specialty Risk	Specialty Risk	International Medical Group
Online quotes and/or purchase
Deductible options	$250 $500 $1,000 $2,500	$250 $500 $1,000 $2,500	$500 $1,000 $2,500 $5,000	$250 $500 $1,000 $2,500 $5,000	$250 $500 $1,000 $2,500 $5,000 $10,000
Policy Medical Limits	$5,000,000	$1,000,000	$5,000,000	$5,000,000	$5,000,000
Coinsurance for claims in US or Canada (after deductible for eligible expenses)	80% up to $5,000. Then 100%. Waived in PPO	No Coverage in US/Canada for any benefits.	80% up to $5,000. Then 100%.	80% up to $5,000. Then 100%.	80% up to $5,000. Then 100%. In PPO, the deductible is cut by 50% and co-insurance is waived.
Coinsurance for claims outside US or Canada	100% up to max.	100% up to max.	100% up to max.	100% up to max.	100% up to max.
Hospital (inside US/Canada)	Av. Semi-Private Room	No Coverage in US/Canada	Av. Semi-Private Room	See schedule of benefits in quote engine	URC to limit
Hospital (outside US/Canada)	Average Private Room	Average Private Room	URC to limit	$600 for room per day	URC to limit
Intensive Care	URC to limit	URC to limit	URC to limit	$1,500 for room per day	URC to limit
Other Eligible Medical	URC to limit	URC to limit	URC to limit	See schedule of benefits	URC to limit
Mental Health Disorders	$10,000 per Cert. Period after 12 months $25k max.	$5,000 per Cert. Period after 24 months $10k max	$10,000 per Cert. Period after 12 months $30k max.	$60 for psychiatrist consult.	$10,000 per period of coverage. $25k max lifetime
Local Ambulance	URC to limit	$1,000 Lifetime Limit	URC to limit	$1,500	URC to limit
Maternity - Normal Delivery	Same as any other illness after 12 months continuous coverage	$3,500 per pregnancy after 24 months	URC up to $7500 per pregnancy after 12 months continuous coverage.	$4,000	$5,000 for each normal delivery
Maternity - Comp. Del.	Same as any other illness after 12 months continuous coverage	$6,000 per pregnancy after 24 months	see above	$4,000	$7,500 for each C-section
Maximum for Maternity	$50,000 Lifetime	$10,000 Lifetime	$7500 per policy	$4,000	$50,000 Lifetime
Newborn Care	$25,000 Max for limit of 31 days	$5,000 Max for limit of 31 days	Covered. See policy for details.	See schedule of benefits	URC
Doctors/ Network	Network in US/Canada	Any	CCN in US	CCN in US	First Health in US
	International Citizens Platinum	International Citizens Premier	Reside Prime	Reside Worldwide	Global Medical
Pre-existing Conditions	Covered if disclosed and not limited or excluded.	Covered if disclosed and not limited or excluded to $25k max after 24 months coverage	Covered if disclosed and not limited or excluded to $50k max after 24 months coverage - $5k per year	Covered if disclosed and not limited or excluded to $50k max after 24 months coverage - $5k per year	Covered if disclosed and not limited or excluded to $50k max after 24 months coverage - $5k per year
Wellness	After 12 months $50/visit. Max 3 visits for children under 19. $150/period for age 35 or older	No Coverage	Well Child up to age 18 -- up to $200 per policy period. $175 Per policy period after 12 months	No Coverage	Children from 14 days to 18 years after 12 months covered at $50 per visit/$150 per period. Adults 35 and over covered at $250 per period after 12 months coverage.
Physical Therapy	$50 per visit	No Coverage	$75 per visit $10,000 Lifetime	See schedule of benefits	URC - $50 per visit
Human Organ/Tissue Transplants	Same as other illness for covered procedures	Same as other illness for covered procedures	$1,000,000 max.	$250,000	$1,000,000 max.
Emergency Medical Evacuation	$50,000 Lifetime max.	No Coverage	$50,000 Limit	$25,000	Up to policy max.
Repatriation of Remains	$25,000 Limit	No Coverage	$20,000 Limit	No Coverage	$25,000 Limit
Emergency Reunion	$10,000 Limit	No Coverage	$10,000 Limit	No Coverage	$10,000 Limit
Pre-certification Penalty	50%	50%	50%	50-100%	50%
Accidental Death & Dismem.	optional	optional	$10,000 $40,000 for common carrier	$10,000 $40,000 for common carrier	optional
Notes			Must live outside US for more than 6 months for US and Non-US citizens		Supplemental accident $300 per occurrence. Limited coverage for acupuncture, aroma, herbal, magnetic, massage, and vitamin therapy included.
Insurer	Who is the Insurer?	Who is the Insurer?	Lloyd's	Lloyd's	Sirius Intl.
Online quotes and/or purchase
**see policy for details
***common carrier paid in lieu of AD&D when available.
****for unexpected reoccurrences. See policy for details.