Group plans generally provide better coverage than individual plans. This is because your group policy can include coverage for pre-existing conditions whereas individual policies generally exclude pre-existing conditions. These policies are known as MHD (medical history disregarded) policies. Insurers are happy to cover pre-existing conditions in group policies because they receive good premiums from the entire group.
Covering Your Group
Your group may be among others a company, sports club or social club. We can offer premium discounts on medical insurance and customize your coverage for whichever group you fit into.
The group health insurance plans can include deductibles (excess) to keep your premiums low and minimize the plan administration. Our advisors can tailor your group plan to allow employees of different levels to receive alternative benefits and coverage. Your group plan can be customized to include benefits such as dental, maternity, personal accident, medical evacuation and many others.
If a member leaves the group, many insurers will allow them to change to an individual plan and allow all pre-existing conditions coverage to remain the same. This is a significant advantage for the policy-holder. Group health insurance policies are not country specific so if a member was to relocate to another country the coverage would go with them.
Far Reaching Administration
Pacific Prime has developed relationships with the world's largest and most respected insurance providers. These relationships allow our consultants to help administer coverage for employees around the world with three or more group members. It also allows us to provide significant discounts on your plans compared to if you were to go to the insurers directly.
We can provide your group with a bespoke insurance quote. To receive your quote, simply fill in the group enquiry form and we will contact you within 24 hours to discuss your requirements. We will also provide you with a range of quotes, or you can browse our free online quotation tool now.