International Health Insurance
» Questions and Answers
International Health Insurance Questions |  | |
Can you offer corporate health insurance for expats worldwide? |
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Pacific Prime offer international health insurance plans for corporate groups, located in all regions across the globe. Pacific Prime can assess your company's health insurance needs and provide you with a detailed health insurance comparison. International company health insurance plans will typically offer worldwide coverage benefits, allowing employees and their dependents access to quality medical care in any country of the world. This is highly important when sending employees overseas to regions of the world where high levels of health care may not be available. As such, an international health insurance plan should include worldwide medical coverage and medical evacuation, to protect expatriate employees in the event of a serious accident or illness. Corporate companies that reach a certain number of employees are normally offered a range of benefits. Corporate groups that reach the threshold (typically ten employees) can be offered a 'medical history disregard' (MHD) benefit, which will accept the coverage of chronic medical conditions such as Diabetes, Asthma, and other conditions like Arthritis.
2011-10-18 09:10:15 |
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| Category: Coverage , Emergency Evacuation , Group , Company | Read Answer Here | |
Will my employer pay for my health insurance in the UAE? |
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| Different health insurance laws will apply to the region in which you will be working in the UAE. If you are working in Abu Dhabi, by law an employer must provide health insurance to all its employees otherwise they are subjected to a fine. However, at this stage, it is not compulsory for employers in Dubai to provide employee health insurance, whether they are expatriate or local nationals. If your employer does not provide health insurance, this may affect your visa application and eligibility to be sponsored in the UAE. Saying this, you are free to purchase your own health insurance and are encouraged to do so in order to optimise your health and well being while living overseas. 2011-10-14 16:48:53 |
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| Category: Hospital , Individual , in-patient , Group , Company | Read Answer Here | |
How much do I need to pay for treatment before my health insurance plan is active? |
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| Many health insurance companies will offer 'contribution options' for policy holders. Policy holders can make 'contributions' to their medical expenses, to ultimately lower the cost of their premium. There are various forms of contributions including deductibles, coinsurance, and co-payments options. Generally the higher the contribution, the lower the premium. The policy holder must fully understand their contribution options before making a selection. While a high deductible can offer very low premiums, it is important that the deductible amount is reasonable and low enough to enable you to qualify and enjoy the benefits of your health care plan. 2011-10-03 15:55:48 |
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| Category: Family , Individual | Read Answer Here | |
What benefits are covered under a Family Health Plan? |
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| Pacific Prime can offer various family health insurance plans. Representing over 55 reputable health insurance companies, Pacific Prime can assess you and your family's health care needs and provide you with a detailed comparison of health insurance options. Family health insurance plans will typically offer a core health plan, with the option to add on additional benefits such as maternity or dental cover. The cost of a health insurance plan is normally calculated by the policy holder's age and geographic location. Many family health insurance plans will offer premium saving benefits and affordable options such as through deductibles. 2011-09-27 11:43:48 |
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| Category: Coverage , Family , Hospital , in-patient , out-patient | Read Answer Here | |
Do you offer medical insurance in Saudi Arabia? |
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Pacific Prime can offer health insurance for those traveling to the Kingdom of Saudi Arabia (KSA) and anywhere else in the world. We represent over 55 health insurers that offer various different international health care insurance and travel medical insurance plans. Pacific Prime can provide you with expert advice and a health insurance comparison. For those visiting and living in the KSA, Pacific Prime recommends a comprehensive international health insurance insurance plan that includes worldwide medical coverage, hospital and outpatient cover, and emergency evacuation and repatriation. 2011-09-23 16:21:21 |
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| Category: Coverage , Pre-existing , Saudi Arabia , Hospital , Emergency Evacuation , Individual , in-patient , out-patient | Read Answer Here | |
Do you offer health insurance in India? |
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Pacific Prime can offer health insurance plans that provide coverage for India, and other regions worldwide. An International Health Insurance plan will afford you with medical cover in any country across the globe in addition to allowing you to choose where you receive your medical treatment; giving you the option of using any doctor or hospital anywhere in the world. Plans offered by Pacific Prime covering India are typically guaranteed renewable for life and globally portable, meaning that should you ever relocate away from the country, your India expatriate health insurance plan will travel with you. India is usually regarded as a low-cost area for medical treatment. Treatment options in India will be significantly lower than those in, for example, the USA. Consequently, it is important to be aware that there are some health insurance companies which will offer policy-holders the option to exclude specific geographic regions of medical coverage, to ultimately reduce the cost of their premium. 2011-09-12 14:39:05 |
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| Category: Coverage , USA , Individual , in-patient , out-patient | Read Answer Here | |
Will my insurance plan provide treatment outside my geographic area of coverage? |
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| When choosing an international medical insurance plan one of the key features to be aware of is the policy’s 'geographic area of cover'. The geographic area of coverage will specify the countries and regions in which you can use your medical insurance plan. While coverage may be “excluded” in certain geographical areas, it is important to note that many plans offered by Pacific Prime will provide an emergency care benefit. In the case of this benefit, if you get sick or injured outside of your coverage area you may be entitled to emergency treatment and other benefits according to your policy. An Emergency Care benefit may not be available from every insurer, or on every policy, so it is important that you ensure you have the coverage you need prior to purchasing an international health insurance plan. 2011-09-06 11:48:08 |
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| Category: Coverage , USA , in-patient | Read Answer Here | |
Can offer travel health insurance to over 65 years with pre-existing conditions? |
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| Pacific Prime can offer travel health insurance to those over 65 years of age, traveling to Hong Kong and any other country worldwide. Pacific Prime offers travel health insurance underwritten by IHI-Bupa, which includes coverage for people up to 80 years of age. IHI-Bupa Travel Insurance offers a very high level of medical coverage and benefits. IHI-Bupa provides unlimited cover for inpatient, outpatient, evacuation, repatriation, and compassionate emergency visit expenses. Non-medical options can also be added onto the travel plan, such as coverage for theft, loss of baggage, or cancellation of trip. If you have a pre-existing condition, treatment for this condition will normally be excluded under your IHI-Bupa travel insurance plan A pre-existing condition is defined as any medical condition which has displayed symptoms, requires treatment, or which the policyholder has been aware of prior to the purchase of a health insurance policy. However, if you would like your condition to be covered, a medical report is normally required and your medical condition has been stable in the six months prior to obtaining coverage. For more information on coverage for pre-existing conditions, contact Pacific Prime to discuss your options available. 2011-09-06 11:14:05 |
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| Category: Coverage , Pre-existing , in-patient , out-patient | Read Answer Here | |
Can you offer inpatient, outpatient and dental cover in Sri Lanka, Maldives, India and Thailand? |
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| Pacific Prime can offer medical insurance to families looking for hospital cover, outpatient cover and dental cover. Pacific Prime offers health insurance plans which typically include worldwide coverage. With worldwide coverage your health plan benefits can be used in any country of the world including Sri Lanka, the Maldives, India and Thailand. Family health plans will typically include a core hospital cover with outpatient benefits. Different levels of core plans are available allowing you to choose from a comprehensive health plan to an essential health plan with competitive premiums. Optional benefits can be added onto your health plan such as dental, optical, maternity, physiotherapy, among other medical benefits. 2011-09-01 09:12:50 |
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| Category: Coverage , Family , Hospital , Emergency Evacuation , in-patient , out-patient | Read Answer Here | |
Do you offer health insurance coverage in the Dominican Republic and can this plan be used in Brazil and Venezuela? |
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| An international health insurance plan is suited to those who are studying or working away from their home country and are seeking health insurance coverage. Pacific Prime can offer a wide range of international health insurance plans, affording you with medical coverage while you study overseas. An international health insurance plan will typically offer worldwide medical coverage. Worldwide medical coverage allows you to use your health insurance plan in any area of the world. This means your health plan can be used in the Dominican Republic, as well as any other country you visit including Brazil and Venezuela. 2011-08-30 12:46:52 |
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| Category: Coverage , Pre-existing , Emergency Evacuation , USA , Individual | Read Answer Here | |
What hospitals and health care centers are available to expats in Laos? |
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Laos is a developing country located east of Thailand. Hospitals and health care clinics are very limited and confined to the capital city Vientiane. Hospitals in Vientiane provide basic primary and emergency care services and staff generally speak very limited English. There are approximately 1,700 patients per doctor in Laos, which is very low compared to 400 in Australia, 390 in the United States, and 440 in Great Britain. Those who live in Laos, who can afford it, will often travel to Bangkok for quality health care and a large range of medical services.
2011-08-29 10:01:07 |
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| Category: Coverage , Hospital , Emergency Evacuation , Individual , in-patient | Read Answer Here | |
Do you offer coverage for Myanmar expats living in Thailand? |
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| Pacific Prime can offer health insurance for Myanmar nationals living in Thailand. Pacific Prime can offer international health plans to nationals from any country origin, as long as they take out their health policy outside of their home country. There are a large range of health plans that Pacific Prime can offer you. We have individual and family health plans which offer comprehensive health cover. Pacific Prime can also offer essential health plans with competitive premium options. 2011-08-26 12:23:15 |
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| Category: Coverage , Family , Hospital , Emergency Evacuation , Individual , in-patient | Read Answer Here | |
Do you offer coverage in their Philippines? |
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Pacific Prime can offer international health insurance to expatriates living in the Philippines. There are various plans that are available, from high levels of comprehensive coverage to affordable options. For those who are planning to retire overseas, it is highly important to obtain health insurance sooner than later. Your insurance premium will be calculated by the country you live in and your age of the members on your health insurance plan. Your premium will also be influenced by the level of coverage, optional benefits, or premium saving options you may select. 2011-08-24 14:07:06 |
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| Category: Coverage , Pre-existing , Individual | Read Answer Here | |
Are dependants included on a family health insurance plan? Do you offer coverage in India and Bangkok? |
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Pacific Prime can offer International Health Insurance plans for families living overseas, in any area of the world including India and Thailand. Every member registered on your policy will have access to the medical benefits featured on the plan. Insurance premiums are calculated by the country you live in and the age of the members on your health insurance plan. Your premium will also be affected by the level of coverage you select on your plan, plus any extra benefits that you decide to add. 2011-08-22 09:16:08 |
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| Category: Coverage , Pre-existing , Family , Emergency Evacuation , Group , Company | Read Answer Here | |
Do you offer medical insurance and repatriation in Brazil? |
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| Pacific Prime can offer health insurance plans to expats living anywhere in the world, including Brazil. We have a large range of health insurance plans available which include medical and repatriation, among other benefits. Pacific Prime can present you with international insurance products from over 55 health insurance companies, all which offer quality health insurance coverage that will protect you in the case of a medical emergency, accident or medical illness. Our expatriate health insurance plans typically provide worldwide coverage, which will allow you to use your medical benefits anywhere in the world. Our consultants can talk you through the wide range of health insurance options available, which will typically include a core coverage plan plus the option to add on extra benefits to suit your health care needs. Another option is to obtain a company health plan. Pacific Prime can offer company plans to those working in the Oil and Gas Industry. To qualify for this group policy, you must have three or more employees included on your plan and work on oil rigs. Company plans can provide members with additional benefits when compared to an individual health plan. 2011-08-19 10:53:47 |
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| Category: Coverage , Emergency Evacuation , Individual , in-patient , Company | Read Answer Here | |
Do you offer coverage for pre-existing health conditions? |
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| Pacific Prime can offer health insurance plans to those with pre-existing conditions, under specific policy agreements and member benefits. Pacific Prime can assist you in finding the right health insurance plan to suit your specific needs and provide you with various options to enable the inclusion of pre-existing conditions. There are a few different health insurance options that are available to those with pre-existing conditions: 1. A waiting period is applied to the health insurance policy 2. A Medical History Disregarded (MHD) benefit may be offered on the health insurance policy 3. Pre-existing conditions are excluded on your health insurance plan The best thing to do is speak with a consultant at Pacific Prime, to find out what health insurance options are available to you. Pacific Prime represent a large panel of insurance companies, some of which offer high levels of health insurance coverage and an extensive range of member benefits. 2011-08-16 10:19:45 |
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| Category: Coverage , Pre-existing , Family , Individual , Group , Company | Read Answer Here | |
Cuales problemas o cuestiones pueden ocurrir con seguros internacionales? |
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| Pacific Prime es uno de los mayores del mundo internacional de seguro médico privado y corredores que trabaja con todas las principales empresas internacionales de seguros a nivel mundial. Hemos trabajado con éxito con planes que son de "valor por dinero" los mejores planes de hoy en día en el mercado, especialmente con respecto a las prestaciones por maternidad. Sin embargo, las primas actuales y los beneficios ofrecidos por estos planes pueden no ser sostenibles en el largo plazo y futuras renovaciones pueden verse afectados. Por esto es importante ser conscientes de ello cuando usted hace su selección del mejor plan para su familia. 2011-08-12 16:17:34 |
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| Category: Coverage , Maternity , Hospital | Read Answer Here | |
