Living Abroad

Medical Coverage for Living Abroad: Worldwide Premier^1–6

Global care that travels with you.

We've hand-picked physicians in over 190 countries who meet our rigorous standards. Many are board-certified and English-speaking. Choose from our network or pick any international doctor or facility. It's up to you.

Always connected to care.

Every plan includes unlimited telemedicine services at no extra cost. Connect with a doctor from your phone or tablet wherever you are, whenever you need care:

• Same-day remote appointments available 24/7/365
• Multilingual doctors providing guidance for non-emergencies
• Consultation notes sent directly to your phone
• Prescriptions and referral letters where regulations allow

Travel with a friend.

Use our mobile app for essential support:

• Digital ID cards
• Provider search with detailed profiles
• Claim tracking
• Medical translations
• Medication equivalents finder
• Safety alerts based on your location

Help that never sleeps.

Our Global Service Center is always open:

• 24/7/365 multilingual support via toll-free or collect calls
• Medical evacuation coordination when needed
• Personalized guidance for accessing care

Go ahead and explore the world. We'll be here when and where you need us.

When you’re outside of your home country, medical evacuations aren’t always covered by your current health insurance.

All plans include medical evacuation. Emergency medical transportation can be stressful and the costs can be devastating. We make it as easy as possible to get the care you need, when and where you need it.

• Beneficio máximo por período de viaje para todas las evacuaciones de hasta $250,000.

Our coverage goes beyond the basics. For your protection and peace of mind in unexpected situations.

What is repatriation of remains?

This important benefit covers the complex process of transporting remains back to the family's chosen location, handling all necessary documentation and arrangements during an already difficult time.

You’re more than just your medical history.

You're more than just your medical history. Current health conditions and illness are covered under our plans for living abroad. For coverage to start right away, you will need to supply a letter from your previous health insurer that shows you were covered for at least 6 months.

If you did not have health insurance, you will need to wait up to 6 months for Worldwide Premier and Outside U.S. plans for your current health conditions to be covered. This is called a waiting period. The waiting period for Worldwide Crew, Worldwide Education and Worldwide Non-Profit plans is 12 months.

If you had health insurance for less than 6 months, your waiting period will be shortened by the number of months you were previously covered. For example, if you had health insurance for 2 months, your waiting period will be shortened by 2 months from 6 months to 4 months.

Need medical care or emergency evacuation?

Both are covered, even for pre-existing conditions. So you'll never have to wonder "what if something happens?" while you're trying to enjoy your trip

We understand that life plans change. That's why you can cancel at any time without a cancellation fee or penalty. Most of our plans have a 6-month enrollment minimum, but we don't lock you into a contract. All cancellations are effective on the last day of the monthly billing cycle. We don't provide refunds for partial months. Cancellations are not retroactive, so you will need to pay your premium through the date of your cancellation. All cancellation requests must come from the primary insured by one of these methods: 

• Postal mail: C/O Blue Cross Blue Shield Global Solutions/Enrollment Dept, 933 First Ave, King of Prussia, PA 19406
• Email: enrollment@bcbsglobalsolutions.com

Debe cumplir con solo uno de los requisitos que aparecen a continuación:

• Son elegibles para solicitar cobertura todos los ciudadanos de U.S. y residentes permanentes de U.S. que vivan en el extranjero y que sean menores de 74 años al momento de la solicitud; o
• Son elegibles todos los residentes legales de U.S. (ciudadanos y extranjeros) menores de 74 años al momento de la solicitud si solicitan la cobertura;
• Un empleado de una compañía de U.S., la cual esté domiciliada en U.S. y pague la prima del seguro.
• El asegurado elegible debe tener programado vivir fuera de su país por al menos 3 meses por año.

Dependiente elegible

Un dependiente elegible hace referencia a una persona vinculada con el participante elegible:

• Cónyuge, concubino;
• Propio hijo/a o hijo/a natural soltero/a del cónyuge/concubino, hijastro/a o hijo/a adoptado/a legalmente quien aún no haya cumplido 26 años.

Una persona no podrá ser un dependiente asegurado para más de un participante asegurado.