You must be age 18 or older to purchase Blue Cross Blue Shield Global Solutions insurance products. Adults are permitted to purchase Blue Cross Blue Shield Global Solutions products on behalf of individuals younger than 18.
By clicking ‘OK’ below, you acknowledge that you are an adult age 18 or older, purchasing on behalf of an indivudual younger than 18.
No one under the age of 6 can be enrolled by themselves.
Medical coverage for
individuals and families living abroad.
From the routine to critical care, you can count on our global medical plans to help you stay healthy, wherever life takes you. Our Worldwide Premier plan provides comprehensive coverage anywhere in the world. Don’t plan on seeking medical care in the U.S.? Our Outside the U.S. plan gives you just what you need without the extras you don’t.
Coverage for your journey
Customized medical coverage to meet your needs
Unlimited annual and lifetime medical maximum
No deductible for office visits, preventive care and more
Coverage for pre-existing conditions available
Enhanced prescription and dental and vision benefits available
Hand-picked doctors
Choose any doctor or facility for services
Access our global network of doctors and hospitals in over 190 countries, many of whom bill us directly
Get on-the-ground clinical support from over 165 Regional Physician Advisors in more than 100 countries
Support beyond time zones
Support 24/7/365 through our Global Service Center
Unlimited telemedicine at no cost
Access to our highly rated mobile app
Plans that fit how you live abroad.
Choose Worldwide Premier for comprehensive coverage anywhere in the world. Or choose Outside the U.S. if you don’t need U.S. coverage.
Preventive and Primary Care - Insurer Waives Deductible
Preventive Care For Babies/Children: (Birth through Age 18) a. Office Visits/Immunization b. Pediatric dental and vision in conjunction with an office visit
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Preventive Care for Adults: (Age 19 and Older) a. Office Visits/Immunization b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults c. Routine Pap Smears, annual mammogram d. PSA testing e. Colonoscopy once every 10 years when in conjunction with an office visit
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Annual Physical Examination/Health Screening, Subject to a $1,000 Maximum per Calendar Year and limited to one per Calendar Year
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Primary Care Physician or Specialist Office Visits
All except $10 copay per visit1
All except $30 copay per visit
60% to Coinsurance Maximum then 100%
Urgent Care Facility
100%
All except $75 copay per visit
60% to Coinsurance Maximum then 100%
Professional Services - Insurer Pays After Deductible Is Met
Surgery anesthesia radiation therapy on hospital doctor visits diagnostic X-ray and lab work
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Inpatient Hospital Services - Insurer Pays After Deductible is Met
Surgery X-rays in-hospital doctor visits Organ/Tissue Transplant
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Inpatient medical emergency2
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Inpatient drugs
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services - Insurer Pays After Deductible Is Met (Unless Noted)
Ambulatory Surgical Center
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Ambulance Service
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Accidental Dental
$1000 per calendar year $200 per tooth
$1000 per calendar year $200 per tooth
$1000 per calendar year $200 per tooth
Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Durable Medical Equipment
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Infusion Therapy
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy, Limited to 20 visits per Calendar Year
100% no deductible
100% no deductible
100% no deductible
Rehabilitation and Therapy - Insurer Pays After Deductible Is Met (Unless Noted)
Inpatient Mental Health
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Outpatient Mental Health
100% no deductible $10 Copayment
100% no deductible $10 Copayment
60% to Coinsurance Maximum then 100% no deductible
Inpatient Substance Abuse
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Outpatient Substance Abuse
100% no deductible $10 Copayment
100% no deductible $30 Copayment
60% to Coinsurance Maximum then 100% no deductible
Other Services
Home Health Care, Subject to a maximum of 30 visits per Calendar Year
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Hospice, Subject to a maximum of $5,000 per lifetime
100%
80% to Coinsurance Maximum then 100%
60% to Coinsurance Maximum then 100%
Prescription Drug Benefit
Basic Prescription Drug Benefit, Subject to $3,500 Maximum per Insured Person per Calendar Year
100% of actual charges (pay and claim only)
100% of actual charges
100% of actual charges
Optional Rider, Subject to $25,000 maximum per Insured Person per Calendar Year
100% of actual charges (pay and claim only)
Generics: 100% after $10 copay per 30-day supply Brand names: 100% after $10 copay per 30-day supply Injectable: 70%
Brand names: 100% after $10 copay per 30-day supply Injectable: 70%
Copay waived when visiting a Blue Cross Blue Shield Global Solutions contracted provider outside the U.S.
Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty.
Deductible options
Medical Coverage for Living Abroad: Worldwide Premier1–6
Plan Options
Deductible Outside U.S.
Deductible U.S. In Network
Deductible U.S. Out of Network
Coinsurance Maximum
Elite
$0
$0
$1,000
$2,000
1,000
$500
$1,000
$2,000
$4,000
2,000
$1,000
$2,000
$4,000
$8,000
5,000
$2,500
$5,000
$10,000
$10,000
10,000
$10,000
$10,000
$10,000
$10,000
Copay waived when visiting a Blue Cross Blue Shield Global Solutions contracted provider outside the U.S.
Deductibles are per person per Calendar Year.
The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 2.5 deductibles.
Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
An Insured Person only has to satisfy his/her Coinsurance Maximum once per calendar year for all services received outside of the U.S. and in the U.S.
Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty.
Medical network
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.
Medical evacuation
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.
Maximum Benefit per Trip Period for all Evacuations up to $250,000.
Additional benefits
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.
Insurer Waives Deductible
Repatriation of Mortal Remains
Up to $25,000
Accidental Death and Dismemberment
$50,000
Pre-existing conditions
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
Refund policy
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
Preventive and Primary Care - Insurer Waives Deductible
Preventive Care For Babies/Children: (Birth through Age 18) a. Office Visits/examination b. Immunizations, Lab work & X-rays done in conjunction with an office visit
100%
Preventive Care for Adults: (Age 19 and Older) a. Office Visits/examination b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults c. Routine Pap Smears, annual mammogram d. PSA For Men e. Diagnostic lab work & X-rays done in conjunction with an office visit
100%
Annual Physical Examination/Health Screening, Subject to a $1,000 Maximum per Calendar Year and limited to one per Calendar Year
100%
Primary Care Physician or Specialist Office Visits
All except a $10 copay per visit1
Urgent Care Facility
100%
Professional Services - Insurer Pays After Deductible is Met
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
100%
Inpatient Hospital Services - Insurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant
100%
Inpatient medical emergency
100%
Inpatient drugs
100%
Ambulatory and Therapeutic Services - Insurer Pays After Deductible is Met, Unless Noted
Ambulatory Surgical Center
100%
Ambulance Service
100%
Accidental Dental
$1,000 per calendar year, $200 per tooth
Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician
100%
Durable Medical Equipment
100%
Infusion Therapy
100%
Physical/Occupational Therapy, Limited to 20 visits per Calendar Year
100%, no deductible
Rehabilitation and Therapy - Insurer Pays After Deductible is Met, Unless Noted
Inpatient Mental Health
100%
Outpatient Mental Health
100%, no deductible $10 Copayment1
Inpatient Substance Abuse
100%
Outpatient Substance Abuse
100%, no deductible $10 Copayment1
Other Services - Insurer Pays After Deductible is Met
Home Health Care, Subject to a maximum of 30 visits per Calendar Year
100%
Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year
100%
Hospice, Subject to a maximum of $5,000 per lifetime
Admissions limited to Emergency Medical Care, Illness and Accidental Injury Services while temporarily visiting the United States
U.S. Participating Provider
U.S. Non-Participating Provider
Bed and Board Charges
80% to Coinsurance Maximum, then 100%
60% to Coinsurance Maximum, then 100%
Physician's Visits/Consultations
80% to Coinsurance Maximum, then 100%
60% to Coinsurance Maximum, then 100%
Professional Services (Surgeon, Radiologist, Pathologist, Anesthesiologist)
80% to Coinsurance Maximum, then 100%
60% to Coinsurance Maximum, then 100%
Prescription Drugs Purchased inside the United States
Limited to Emergency Medical Care, Illness and Accidental Injury Conditions covered under this package. Pre-existing Condition Limitation Applies
100% of the Actual Cost, Deductible does not apply Maximum benefit of $1,000 per Calendar Year and the maximum supply of 30 days per covered prescription
Copay waived when visiting a Blue Cross Blue Shield Global Solutions contracted provider outside the U.S.
Deductible options
Plan Deductible Options1–7
Deductible
Elite
$0
1,000
$1,000
2,500
$2,500
5,000
$5,000
10,000
$10,000
Copay waived when visiting a Blue Cross Blue Shield Global Solutions contracted provider outside the U.S.
Deductibles are Per Person per Calendar Year.
For a family, the maximum deductible is increased by a factor of 2.5, regardless of the size of the family.
Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirements.
An Insured Person only has to satisfy his/her Out of Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
Emergency room visits that do not result in inpatient admissions will be subject to a $100 penalty.
The 10,000 Plan deductible choice is not available for Medical Coverage for Living Abroad: Outside U.S. with Limited U.S. Coverage.
Medical network
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.
Medical evacuation
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.
Maximum Benefit per Trip Period for all Evacuations up to $250,000.
Additional benefits
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.
Insurer Waives Deductible
Repatriation of Mortal Remains
Up to $25,000
Accidental Death and Dismemberment
$50,000
Emergency Medical Transportation
Up to $250,000
Repatriation of Mortal Remains
Up to $25,000
Accidental Death and Dismemberment
$50,000
Pre-existing conditions
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
Refund policy
We understand that life plans change. That’s why you can cancel your plan if you need to, without cancellation fees or penalties.
How to make a cancellation request:
All cancellation requests must come from the primary insured by one of these methods:
All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;
All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they apply from the U.S. or;
An employee of a U.S. company, whereby the company is domiciled in the U.S. and the company pays the insurance premium.
Eligible Dependent
An Eligible Dependent means a person who is the Eligible Participant’s:
Spouse, partner;
Own or spouse’s/partner’s unmarried natural child, stepchild or legally adopted child who has not yet reached age 26.
A person may not be an Insured Dependent for more than one Insured Participant.
Frequently asked questions
Our plans meet all Schengen Visa requirements. If you are traveling to any of the following countries, you may need to apply for a short-stay visa and provide proof of insurance: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France and Monaco, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Litunania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.
If you have one of our plans and need proof of insurance, contact us to request a letter from our Global Service Center.
Yes. Current health conditions and illness are covered under our plans for living abroad. For coverage to start right away, you’ll need to supply a letter from your previous health insurer that shows you were covered for at least 6 months.
If you didn’t have health insurance previously, you’ll need to wait up to 6 months for your current health conditions to be covered under our Worldwide Premier and Outside U.S. plans. 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.
Our Medical Coverage for Living Abroad plans are not guaranteed. This means that based on the information in your application, we may not be able to cover you. We’ll look at the details you provide, including your overall health. Your application may be accepted, accepted with a higher rate or denied.
National health insurance is health insurance that is paid for by a country’s government. It usually covers citizens and residents of a country.
If you are just vacationing or visiting for a short time, you may not be eligible or covered by national health insurance. If you get sick or injured, you can be left with a big bill. That’s why it’s important to protect yourself with a travel medical plan.
If you are moving to a different country, you might not want to depend on national health insurance. For example, you might have to wait a long time to see certain doctors. If you decide to go to another country or back home to the U.S., you will lose coverage. And if you need to be flown back home because of an injury or illness, you will have to pay out of pocket. Buying an international health insurance plan will protect your wallet and provide peace of mind that you can always get the healthcare you need.
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. The cancellation must come from the primary insured.
There are 2 ways to cancel:
You can mail your written cancellation to C/o Blue Cross Blue Shield Global Solutions/Enrollment Dept, 933 First Ave, King of Prussia, PA 19406.
Say hello to Blue Cross Blue Shield Global SolutionsSM
For 25 years GeoBlue has been making the international healthcare experience simpler for the globally mobile. Now, our new name makes our connection to the Blue Cross® and Blue Shield® family unmistakable.
We’re still the same team with the products you know and trust, but with a fresh look and a new streamlined web experience.
Come on in and look around—and welcome!
