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 |