Global health insurance is a medical insurance plan that you would get if you travel between different countries on an ongoing basis. If you live in Germany, but spend a lot of time in London during the year, you are a candidate for global health insurance.

Most of the global health insurance plans work the same way local health plans do. They will cover medical expenses after a set deductible is met. Some will cover only a percentage of expenses after the deductible and others will provide full coverage after the deductible. The difference between local medical insurance coverage and a global plan is that when you need medical treatment, you can choose which country you want to be treated in and which hospital within that country. Most global health plans will allow you to select maternity, in-patient treatment, out-patient treatment, emergency evacuation and dental. Just like with local medical insurance coverage, pre-existing conditions may be excluded from coverage completely or may have some restrictions on the coverage of that particular condition.

If you travel internationally on a regular basis, global insurance is the best alternative for your medical insurance coverage because it is portable. It goes wherever you go. It will cover you in any country. You should be sure to talk to an expert advisor about your coverage to make sure you understand exactly what you will have as benefits. This type of plan is much more convenient than having a separate plan in every country you travel to. These plans will be more expensive that if you had only local health insurance coverage, but it will be worth the price if you ever find that you need to use the coverage. To lower the insurance premium, you might consider increasing your deductible. This will help quite a bit.
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