XN Global provides comprehensive health insurance solutions for a diverse range of clients. Eligibility extends to both expatriates and local citizens who are living, working, or traveling abroad. For individual and family plans, the maximum entry age for those undergoing Full Medical Underwriting (FMU) is 79 years old, and children can be covered up to 18 years old, though standalone child-only policies are not available. For businesses and groups, XN Global requires a minimum of 3 people, and significantly, for groups of 10 or more, Medical Health Disregard (MHD) is applicable, meaning individual medical histories are typically not considered during the underwriting process, simplifying enrollment for the group.

XN Global offers a range of comprehensive health insurance benefits designed to provide extensive coverage for individuals, families, and groups worldwide. While the specific benefits vary across the Base, Elevation, Ascent, Summit, and Apex plan tiers, they generally include essential international medical coverage for inpatient hospital stays, outpatient consultations, emergency medical services, and often extend to prescription drugs, and medical evacuation. Higher-tier plans typically offer more extensive coverage, potentially including maternity, dental, optical, and broader wellness benefits, ensuring peace of mind no matter where you are globally. For precise details on what each plan tier covers, please contact Tenzing

XN Global offers flexible worldwide coverage options, including or excluding the USA, and specific regional plans for Africa, Asia, and the Indian Sub-Continent. While emergency treatment is covered outside your chosen area, elective care is restricted to it. All plans provide access to a vast network of 1.8 million healthcare partners globally.

Yes, depending on your plan type. For individual and family plans, applications undergo Full Medical Underwriting (FMU), where pre-existing conditions are assessed and may lead to exclusions, waiting periods, or additional premiums. However, for eligible group plans of 10 or more people, Medical Health Disregard (MHD) applies, meaning pre-existing conditions are generally covered without individual assessment. But always check your policy document or contact Tenzing to confirm

Yes, XN Global premiums are subject to increases, typically at age milestones ending in 0 and 5. Premiums are also reviewed annually due to factors like global medical inflation and the overall claims experience of the insured community, as XN Global utilizes a community rating system for renewals. Additionally, choosing non-annual payment frequencies (monthly, quarterly, semi-annually) will incur a small surcharge on your premium.

Yes, XN Global offers tailored group plans for companies of all sizes, from startups to large corporations, covering both expats and local citizens. A minimum of 3 people is required, and for groups of 10 or more, Medical Health Disregard (MHD) applies, simplifying underwriting.