The Care Essential Plan is our base-level international healthcare plan, offering expats a comprehensive insurance package, including full emergency room, surgery and outpatient medication benefits, along with Emergency Medical Evacuation and multiple deductible options.
Plan highlights*
- $1,000,000 in lifetime maximum
- Worldwide coverage (U.S. optional)
- $5,000 deductible
- Hospitalization (private room)
- Intensive Care Unit
- Emergency Room coverage
- Outpatient Medication
- Optional Maternity benefits
- Emergency Medical Evacuation
Download CARE Essential Summary of Benefits including the US
Download CARE Essential Summary of Benefits excluding the US
Benefits |
Care Option |
| Coverage Area | Two Options: Worldwide Coverage or Worldwide Excluding the US |
| Lifetime Maximum Benefits | $1,000,000 |
| Deductible | $5,000 |
| Family Deductible | 3 times the individual Deductible |
| Coinsurance (Applied only when in the US) | 20% up to $1,000 per year |
| Inpatient Benefits | |
| Hospitalization | $600 per day, up to 240 consecutive days |
| Intensive Care Unit (ICU) | $1,500 per day, up to 180 consecutive days |
| Surgery | 100% |
| Transplant | $250,000 per Transplant |
| Outpatient Benefits | |
| Doctor Visits | $70 per Visit, up to 25 visits per period of coverage |
| Outpatient Surgery | $500 per event |
| Outpatient Medication (RX) | 100% |
| Laboratory Tests | $300 per Exam |
| X-Rays, MRI and CT scans | $250 per Exam |
| Emergency Room | 100% |
| Local Ambulance | $1,500 per Event |
| Mental and Nervous | Included with Outpatient Doctor Visits |
| Radiation Treatment | 100% |
| Home Nursing | 30 days per covered Event |
| Hospice Care | 30 days per covered Event |
| Prosthetic Devices | 100% |
| Physical Therapy | $40 per Visit, 30 Visits per period of coverage |
| Dental and Vision Benefits | |
| Emergency Dental due to Accident | $1,000 per period of coverage |
| Maternity Benefits | |
| Benefit Available after 12 months of coverage | $5,000 normal delivery, $7,500 C-section, $50,000 Lifetime Maximum (if optional maternity rider is purchased) |
| Pre-Existing Conditions | |
| Coverage Available after 24 months of coverage | $5,000 per period of coverage$50,000 Lifetime Maximum |
| Additional Benefits | |
| Emergency Medical Evacuation | $50,000 per period of Coverage |
| Return of Mortal Remains | $25,000 |
