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Question: The health insurance plans from Pacific Prime will typically calculate the premium based on the policyholder’s age, and the plan’s geographical area of coverage. To provide a quote it is important that you supply us information on where you will require the plan to provide protection. Generally, when initially obtaining a policy you will be given the option of where you would like to receive coverage under your plan. Typically you are able to choose one of two options: Worldwide, or Worldwide excluding the USA. The reason for this is due to the fact that the USA has the highest average medical costs in the world. As such, and policy extending coverage to the USA will typically have a higher premium than one which does not cover America. If you do not plan to spend time in the USA, excluding this country from coverage under your plan can see you significantly reduce your overall premium. In addition to this we also offer a range of deductible options which can also help you to manage the costs of your policy. By choosing to pay a higher deductible you can often significantly reduce your overall premium, helping to keep the costs of your insurance low. This can be especially useful for younger individuals seeking medical insurance coverage, as their propensity for falling ill is much lower than adults of 50 years or older. Global health insurance plans from Pacific Prime are generally guaranteed renewable for life. This means that you will be given the option to renew the plan every year, for the rest of your life, even if you should develop a serious medical condition. In fact, these plans are designed to provide continuous coverage in the event that you suffer from a chronic condition – and will protect you well into your old age should you decide to renew. Policies we offer are also globally portable. This means that should you relocate away from your current country, or even repatriate home to your home nation, your plan will be able to travel with you, ensuring uninterrupted coverage no matter where in the world you may go. Additionally, these policies will allow you the freedom to choose where you receive your medical treatment: you have the option of receiving care with any doctor or hospital in the world. This means that should you need to travel overseas to see a specialist regarding a certain medical condition, provided you are traveling within your policy’s geographical area of coverage, you will have the protection you require from the plan. Aside from Out-patient coverage, plans we work with can offer a range of benefit options, including; ·In-patient coverage ·Maternity Treatment ·Dental Treatment ·Emergency Evacuation ·Alternative Therapies ·Preventative Medicine and Vaccinations Please be advised that these are just a sample of the coverage options which we can provide, and that in many cases our consultants are able to tailor the policies we offer in order to meet your specific needs. For more information about the Out-patient health insurance options we can work with, please contact us. Alternatively you can fill in the short form at the top of this page to receive a free global health insurance quote. 2011-06-24 09:42:50 |
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