Our Selection Criteria for Expatriate Insurance...
Over 30 Years of
Here's why you will only find "U.S.-Style" here.
We define "U.S.-Style" International Insurance as meeting the following criteria:
1. USA Dollar($) Denominated: All rates and benefits are quoted in U.S. dollars.
2. USA Administered: The insurance is administered from within the United States.
3. USA Terminology: Contract wording is similar to U.S. domestic insurance plans.
*4. Legal In Your State: The insurer is registered in your home state (*a key feature for expatriates, more below.)
We believe "U.S.-Style" international insurance is your best choice. Here's why.
Convenience: The U.S. dollar is "spoken" and accepted worldwide.
Communication: Communication to and from the USA (via postal mail, e-mail, telephone, etc.) is among the most reliable in the world.
Cost Efficient: For both U.S. and non-U.S. citizens, USA-based companies offer some of the most dependable and cost-efficient health insurance plans in the world.
U.S. Regulation: In the event of a dispute regarding a medical insurance claim, your home state's Insurance Commission may be of assistance, if your insurance company is legally registered (either "admitted" or "approved") to offer insurance in your state.
*In our experience, this is one of the most important benefits of "U.S.-Style."
"Admitted" - The insurance company is fully regulated under a U.S. state's life and health insurance laws.
"Approved" - The insurance company is registered under "surplus lines" insurance laws, but is not fully regulated. However, if a U.S. state obtains credible evidence of unsatisfactory claims practices or unsatisfactory financial condition, then the state may revoke the Certificate of Authority under which the insurance company legally operates. Such action could influence similar action in other U.S. states and even in some foreign countries. (The exact terminology used here may differ from state to state.)
Note: In our experience, in the event of a medical insurance claim, you are more likely to wind up in a medical claim dispute with a non-registered insurance company.
Being independent means we work for you. Should the need ever arise, we are better able to provide you with meaningful guidance when dealing with a "U.S.-Style" insurance company, legally registered in your U.S. home state.
You pay nothing extra (Lowest-Rate Guarantee).
We proudly invite your insurance business (long-time Better Business Bureau member, over 30 years of health insurance experience, common-sense tips).