international health insurance
Expatriate Health Insurance Annually renewable major medical insurance coverage for individuals and families. Coverage is available for US Citizens overseas and non-US Citizens anywhere, including the US. Ideal for international students, expatriates and their families. expatriate health insurance

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Meridian Health Insurance Plans

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Expatriate health insurance can make your stay abroad safer and more enjoyable. Low cost premiums with great health benefits make the Meridian Plans a favorite among exchange students and expatriates. Living and working abroad is a risk. With the high cost of a medical emergency you will want to be sure to have a expatriate health insurance plan that provides excellent coverage and benefits.

Meridian Basic Plan - Schedule of Benefits

BENEFIT Limit - all limits are per Certificate Period except as specifically indicated otherwise
Overall Maximum Limit $2,000,000 Lifetime
Deductibles Available $250, $500, $1,000, $2,500 or $5,000, $10,000 per Member per Certificate Period
Family Deductible Maximum of 2 Deductibles per family per Certificate Period
Coverage Area Area 1 - Worldwide Including the U.S. and Canada
Area 2 - Worldwide Excluding the U.S. and Canada
Coinsurance -- Claims incurred in US or Canada* After the Deductible, the plan will pay 80% of the next $5,000 of Eligible Expenses then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO.
Coinsurance -- claims incurred outside US or Canada After the Deductible, Underwriters will pay 100% of Eligible Expenses to the Overall Maximum Limit.
Hospital Room and Board -- In US or Canada* Average Semi-private room rate
Hospital Room and Board -- Outside US or Canada Average Semi-Private room rate
Intensive Care Unit Usual, Reasonable and Customary (URC)
Prescription Medications Usual, Reasonable and Customary
Mental & Nervous Disorders $10,000 per Certificate Period for outpatient care only (after 24 months of continuous coverage)
Maternity -- Normal or Complicated Delivery OPTIONAL RIDER- $10,000 per Coverage Period ($50,000 Maximum Limit)
Emergency Dental Due to Accident $500 per Coverage Period
Newborn Care Included as part of Maternity benefits for first 31 days of life
Pre-existing Conditions $10,000 per Coverage Period (after 24 months of continuous coverage). $50,000 Maximum Limit
Local Ambulance $1,500 per covered event (not subject to Deductible or Coinsurance)
Wellness (Adult) $150 per Male age 30/ Female age 30 and over, per Coverage Period (after 12 months continuous coverage). Not subject to Deductible or Coinsurance.
Wellness (Child) $100 per Member age 18 and under, per Coverage Period (after 12 months continuous coverage). Not subject to Deductible or Coinsurance.
Human Organ/Tissue Transplants $500,000 Maximum Limit, covered Transplants
All Other Eligible Medical Expenses Usual, Reasonable and Customary
Emergency Medical Evacuation $50,000 Maximum Limit, $25,000 Maximum Limit for ages 65 and older.
Return of Mortal Remains $25,000 Maximum Limit per Member (not subject to Deductible).
Emergency Reunion $7,500 Maximum Limit
Emergency Room - Illness Usual, Reasonable and Customary (subject to additional $250 Deductible if not admitted).
Emergency Room - Accident Usual, Reasonable, and Customary
Pre-certification Penalty 50%
Surgery Usual, Reasonable, and Customary
* Benefits within the US and Canada are not available to applicants electing Area 2 as their Coverage Area.



Meridian Enhanced Plan - Schedule of Benefits

BENEFIT Limit - all limits are per Certificate Period except as specifically indicated otherwise
Overall Maximum Limit $5,000,000 Lifetime
Deductibles Available $250, $500, $1,000, $2,500 or $5,000, $10,000 per Member per Certificate Period
Family Deductible Maximum of 3 Deductibles per family per Certificate Period
Coverage Area Area 1 - Worldwide Including the U.S. and Canada
Area 2 - Worldwide Excluding the U.S. and Canada
Coinsurance -- Claims incurred in US or Canada* After the Deductible, the plan will pay 90% of the next $5,000 of Eligible Expenses then 100% to the Overall Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO.
Coinsurance -- claims incurred outside US or Canada After the Deductible, Underwriters will pay 100% of Eligible Expenses to the Overall Maximum Limit.
Hospital Room and Board -- In US or Canada* Usual, Reasonable and Customary (URC)
Hospital Room and Board -- Outside US or Canada Usual, Reasonable and Customary
Intensive Care Unit Usual, Reasonable and Customary
Prescription Medications Usual, Reasonable and Customary
Mental & Nervous Disorders $10,000 per Certificate Period for outpatient care only (after 24 months of continuous coverage)
Maternity -- Normal or Complicated Delivery Same As Any Other Illness; $5,000 additional Deductible, $100,000 Maximum Limit (after 12 months of continuous coverage)
Dental Coverage (Optional Rider) $7500 Maximum per Calendar Year. $50 Individual Deductible. Schedule of Benefit payout: Class A=90%; Class B=$70%; Class C=$50%; Ortho= no coverage (6 month waiting period). Including Emergency Dental, subject to the overall Maximum Limit, and (after 6 month waiting period).
Newborn Care Included as part of Maternity benefits for first 60 days of life
Pre-existing Conditions Same As Any Other Injury or Illness if fully disclosed on Application and not excluded or limited by a Rider (after 12 months of continuous coverage)
Local Ambulance Usual, Reasonable and Customary
Wellness (Adult) $250 per Male age 25 and over/Woman age 30 and over, per Coverage Period (after 12 months continuous coverage). Not subject to Deductible or Coinsurance.
Wellness (Child) $150 per Member age 18 and under, per Coverage Period (after 10 months continuous coverage). Not subject to Deductible or Coinsurance. Not subject to Deductible or Coinsurance.
Human Organ/Tissue Transplants $2,000,000 Maximum Limit
All Other Eligible Medical Expenses Usual, Reasonable and Customary
Emergency Medical Evacuation $110,000 Maximum Limit, $55,000 Maximum Limit for ages 60 and older.
Return of Mortal Remains $30,000 Maximum Limit per Member (not subject to Deductible).
Emergency Reunion $10,500 Maximum Limit
Emergency Room Usual, Reasonable and Customary for covered Illness if hospitalized as Inpatient and for covered Injuries
Surgery Usual, Reasonable and Customary (Subject to Deductible and Coinsurance)
Pre-certification Penalty 50%
Vision Care $100 Maximum Limit per Coverage Period for exams and materials (after 12 months of continuous coverage).
Complementary Medicine $175 Acupuncture; $175 Aroma Therapy; $175 Herbal Therapy; $175 Massage Therapy; $175 Vitamin Therapy (after 12 months of continuous coverage); per Coverage Period. Maximum Limit of one service per Coverage Period.
High School Sports Injury $7,000 Maximum Limit (subject to an additional $250 deductible) for medical benefits only.
* Benefits within the US and Canada are not available to applicants electing Area 2 as their Coverage Area.
Travelers Tip Keep a list of your illnesses, ailments and medications, along with any prescriptions or doctor notes, on your person at all times, especially when traveling in the third world. And when going through customs, it's also wise to have a copy of your prescriptions readily available.


Meridian expatriate health insurance features low cost premiums with excellent health benefits and coverage. If you live or work abroad, be sure you are protected with expatriate health insurance.

Meridian Insurance is not only advantageous to the expatriate but to non-US citizens living in their country of citizenship.

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