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Application steps, underwriting, medical history, and required documents.
Expat Insurance
By Expat Insurance
• 8 articles

How to apply for a BMI policy

BMI has nearly fifty years of experience in the Latin American and Carribean markets and have developed a suite of products that cater to resident citizens and expats living in these regions. Their international health plans "give you worldwide coverage, excellent medical benefits, and access to the best clinics and hospitals in the world," according to their website. You can read about their six individual health plans and riders to those plans here. The benefits, deductible options, general information, hospitalization benefits, outpatient benefits, maternity benefits, other benefits, and additional optional coverage riders are explained on their website. For quotes, select the policy that is right for you and click Request a Quote. Reach out to your Expat Insurance broker for a simpler application process. Our brokers are knowledgable about all the different products BMI offers, and can help you choose the plan that's right for you. You can even begin the application process now through our smart portal. What is needed to apply: - Application - Submit an online application to us - Identification - Scan of a government-issued ID for all applicants - Proof of Residency - Most commonly asked is either a resident visa, or proof of address (rental lease, utility bill, bank statement, etc.) - Medical Records - Not needed at time of applying, but insurers will generally ask for medical records after you submit an application if you have a major preexisting condition. Most commonly asked-for items are a written diagnosis from your previous physician, and/or recent lab work showing the extent of the condition. You can read more about the application process in this article. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to apply for a Cigna policy

Cigna Global offers insurance policies to global professionals, families, retirees, and students across the globe. According to their website, Cigna Global offers international health insurance for "globally mobile individuals, providing health care coverage, well-being services and international travel support. It’s [their] mission to provide you with peace of mind, wherever your adventure takes you in the world." Reach out to your Expat Insurance broker for a simple application process. Our brokers are knowledgable about all the different products Cigna offers, and can help you choose the plan that's right for you. You can even begin the application process now through our smart portal. Cigna offers three levels of care in their international insurance policies: Silver, Gold, and Platinum, with prices and benefits increasing accordingly. They also offer a more economical plan called Close Care, which only works in your country of residence. It's important to note that this plan does not include medical evacuation, maternity care, or travel benefits. What is needed to apply: - Application - Submit an online application to us or request a paper application - Identification - Scan of a government-issued ID for all applicants - Proof of Residency - Most commonly asked is either a resident visa, or proof of address (rental lease, utility bill, bank statement, etc.) - Medical Records - Not needed at time of applying, but insurers will generally ask for medical records after you submit an application if you have a major preexisting condition. Most commonly asked-for items are a written diagnosis from your previous physician, and/or recent lab work showing the extent of the condition. You can read more about the application process in this article. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to apply for an international health insurance policy

Guide to applying for international health insurance Applying for international insurance can be a complicated process due to a process called underwriting. Many of our clients from countries like the USA or Canada are not used having to do medical exams or provide in-depth medical history when applying for health insurance. Before applying What is typically needed to apply: - Application - Submit an online, or paper application to us. Get started online here. - Identification - Scan of a government-issued ID for all applicants - Proof of Residency - Most commonly asked is either a resident visa, or proof of address (rental lease, utility bill, bank statement, etc.) Some insurers have begun moving away from proof of residency requirements, though some still require it. - Medical Records - Not needed at time of applying, but insurers will generally ask for medical records after you submit an application if you have a major preexisting condition. Most commonly asked-for items are a written diagnosis from your previous physician, and/or recent lab work showing the extent of the condition. Get a Quote Use our live quoting tool to view different policies. If you are overwhelmed, make an appointment with one of our brokers to help guide you through the process. Quote Tool Broker Consultation Request Application Submit a generic application to our brokers to start the request. We will work with you to ensure an accurate application to prevent any delays with the insurance provider. Start an application Underwriting The insurance company will then review your application with their medical committee and either make an offer on the policy, or make a request for more information. It is at this point that your medical records will prove most helpful, as the insurer may request them to have more information regarding your conditions. The more records you can show, the better your chances are for getting coverage. If you can't show records, insurers will generally assume the worst. Payment / Issuance Once you have accepted the policy, you will pay for the policy and it will be issued within a few business days. Your broker or the insurance company will send you a welcome email with your insurance cards and certificate of coverage, and instructions for loging on to their online portal, if applicable. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to apply for an Allianz policy

There are three ways to contact Allianz if you are interested in applying for an Allianz policy as an expat. - By phone at +353 1 514 8480 - Requesting a callback from an Allianz salesperson here. - Or by emailing https://www.allianzcare.com/en/contact-us/individual-email-us.html. You can also request a quote through their website here. Reach out to your Expat Insurance broker for a simple application process. Our brokers are knowledgable about all the different products Allianz offers, and can help you choose the plan that's right for you. We are legally obligated to act in yoru best interest, even in disputes against insurance companies. You can even begin the application process now through our smart portal. What is needed to apply: - Application - Submit an online application to us or request a paper application - Identification - Scan of a government-issued ID for all applicants - Proof of Residency - Most commonly asked is either a resident visa, or proof of address (rental lease, utility bill, bank statement, etc.) - Medical Records - Not needed at time of applying, but insurers will generally ask for medical records after you submit an application if you have a major preexisting condition. Most commonly asked-for items are a written diagnosis from your previous physician, and/or recent lab work showing the extent of the condition. You can read more about the application process for international insurance in this article. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to apply for a Morgan White policy

Morgan White International offers its policy documents online here. From the About page, select your region: Caribbean Islands or Latin America. From there, use the drop-down menus to select your specific country, carrier, plan type (dental & vision, disability, life, medical, or savings & annuities), and then desired policy. MWG offers four types of international medical policys: New America, New World, Silver Medical, and Worldwide Medical Trust. Once you have selected your desired policy, you can download the related brochure and other policy documents from the forms library and application. You can fill out the downloaded application, print and sign in the required fields, scan the completed application back into your computer and email to [email protected]. Reach out to your Expat Insurance broker for a simpler application process. Our brokers are knowledgable about all the different products Morgan White offers and can help you choose the plan that's right for you. You can even begin the application process now through our smart portal. We also have tools to add electronic signatures so that you don't need to print and scan any documents. What is needed to apply: - Application - Submit an online, or paper application to us - Identification - Scan of a government-issued ID for all applicants - Proof of Residency - Most commonly asked is either a resident visa, or proof of address (rental lease, utility bill, bank statement, etc.) - Medical Records - Not needed at time of applying, but insurers will generally ask for medical records after you submit an application if you have a major preexisting condition. Most commonly asked-for items are a written diagnosis from your previous physician, and/or recent lab work showing the extent of the condition. You can read more about the application process in this article. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026