Most Popular |
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| First'Expat + | Start'Expat | LivExpat | |
|---|---|---|---|
| Overall Maximum Limit | $500,000, $1,000,000, $2,000,000, or $3,000,000 | 250,000€ | $1,000,000 - $5,000,000 |
| Eligible Countries of Citizenship | Any country | Any country | Worldwide * subject to certain exclusions at time of application |
| Covered Areas | Worldwide | 1. Worldwide; 2. Worldwide excluding the US | Worldwide * subject to certain exclusions at time of application |
| Duration Options | Annual | Monthly | 3 – 12 months |
| Emergency Medical | Reasonable and customary costs | Reasonable and customary costs | Included |
| Outpatient Services | Reasonable and customary costs | Reasonable and customary costs if resulting from an accident or an unforeseen illness | Included anywhere from 80%-100% |
| Local Ambulance | Reasonable and customary costs | Reasonable and customary costs | Included anywhere from 80%-100% |
| Hospital Accommodation | Reasonable and customary costs (semi-private or private room, depending on plan) | Reasonable and customary costs | Included anywhere from 80%-100% |
| Emergency Evacuation | Reasonable and customary costs | Reasonable and customary costs | Can be added to a maximum of $100,000 |
| Prescription Drugs | Reasonable and customary costs | 3,000€ | Included anywhere from 80%-100% |
| Check-Ups | Quartz plan: not covered. Other plans: covered. | Not covered | Included anywhere from 80%-100% |
| Maternity | Optional rider | Not covered | Included anywhere from 80%-100% |
| Dental | Optional rider | Dental emergency only: 350€. Dentures and protheses related to an accident: 200€ | Emergency dental included, full dental can be added as an option |
| Mental/Nervous Conditions | Covered up to specific limits after 12 months | Not covered | Included anywhere from 80%-100% |
| Organ Transplants | Reasonable and customary costs | Reasonable and customary costs if resulting from an accident or an unforeseen illness | Included anywhere from 80%-100% |
| Vision | Optional rider | Lenses and frames following an accident: 150€ | Included anywhere from 80%-100% |
| Optional Riders | Vision/Dental, Maternity, Assistance/Repatriation, Legal Assistance/Third-Party Liability | None | Dental, Life, AD&D, Disability, EAP, Assistance & Evacuation |
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