Adding Dependents to Your Global Health Policy

🧭 Overview

Whether you’ve recently had a baby, gotten married, or your family is joining you abroad, it’s important to make sure your global health insurance covers everyone who needs it. Most global health plans allow you to add dependents—like a spouse or children—either at the time of application or later through a policy update.

Here’s what to know about who qualifies as a dependent, when to add them, and how the process works.

👨‍👩‍👧‍👦 Who Can Be Added as a Dependent?

You may be eligible to add the following individuals to your policy:

• Spouse or legally recognized partner

• Biological or adopted children (usually under age 18 or up to 26 if a full-time student)

• Newborns (typically within 30 days of birth)

• Stepchildren (with appropriate documentation)

Some insurers may also allow coverage for domestic partners or long-term caregivers in special circumstances.

📅 When Can You Add a Dependent?

There are typically three key opportunities:

1. During Initial Enrollment

Add all family members when first applying for your global health policy.

2. During the Policy Year

You can request to add a dependent mid-year, usually following a qualifying life event, such as:

• Marriage

• Birth or adoption of a child

• Change in residence or visa status

3. At Renewal

Most insurers allow you to add dependents during the annual renewal window.

⏳ Note: Some benefits—such as maternity coverage or pre-existing condition waivers—may only be available if dependents are added within a specific timeframe.

📝 How to Add a Dependent

1. Complete a Change Request Form
   Visit: insuranceconsultantsintl.com/change-request
   Include the new dependent’s name, date of birth, nationality, and relationship to the insured.

2. Provide Required Documentation
   You may need to submit:

   • Marriage certificate (for spouse)

   • Birth certificate (for child)

   • Passport or government ID

3. Underwriting Review (If Applicable)
   Some additions may require medical underwriting, depending on the plan and time of addition.

4. Pay Additional Premium
   If the dependent is approved, your policy will be updated and a prorated premium will be applied (or reflected in your next bill).

✅ Pro Tips

• Newborns are often covered automatically for the first 30 days if added promptly.

• If your plan includes family deductible options, your out-of-pocket max may not increase by much.

• Always review your Certificate of Insurance to confirm what’s allowed under your specific plan.

📞 Need Help?

Our Global Health team is happy to walk you through adding a dependent or reviewing your current coverage.

📧 Email: craig@globalhealthinsurance.com
📞 Call: (800) 576-2674

⚖️ Disclaimer

Adding dependents is subject to eligibility and underwriting requirements. This article is for informational purposes only. Always refer to your policy documents for full terms and conditions.

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.