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Do you offer family health insurance in the USA | ||
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Question: Pacific Prime can offer US private medical cover for expatriate families moving to the United States. We can offer a large range of family health insurance plans which can include cover for hospital, outpatient and maternity treatment, as well as other medical benefits you and your family might be looking for. The cost of your health insurance premium will depend on the type of plan you select as well as other factors such as your geographic location and the number of family members to be covered, and their respective ages. The United States has one of the most expensive health care systems worldwide. As such, a comprehensive global health insurance plan, which Pacific Prime can provide, is highly recommended for those who live in the United States. Health insurance plans will normally offer hospital treatments as your core coverage, with the option to add on other benefits such as outpatient, maternity, dental, optical, and increased hospital limits in the case of a serious accident or major medical illness. The cost of your health plan will depend on the medical benefits and the level of cover you select. International health insurance plans will typically include worldwide cover. Worldwide cover will entitle you and your family to medical treatments in any country across the globe. Health insurers will usually apply various levels of worldwide cover by excluding certain geographic regions, such as the USA and cover emergency treatment only. Expatriates living in the USA should opt for a plan that includes worldwide cover, including the USA. Maternity cover is typically offered as an optional benefit. Maternity cover will normally cover expenses relating to prenatal and postnatal care, normal delivery, complications, caesarian section, and home birth. Newborn coverage can also be organized and will typically require completion of an additional member form, prior to the birth of the child. A waiting period is usually applied to maternity cover. This period differs among insurers but will typically be between 10 and 12 months. The waiting period must be completed before any entitlement to treatments and as such it is highly important to purchase a maternity plan as soon as you are planning to have more children. While waiting periods are typically applied to individual and family health insurance plans, different conditions can be applied to a company health insurance plan. Large corporate groups are usually offered additional benefits such as coverage for pre-existing conditions. Pregnancy is regarded as a pre-existing condition and as such maternity expenses can normally be covered under a group policy with a pre-existing condition coverage benefit, also known as a Medical History Disregarded benefit. Waiting periods are typically not applied to large corporate groups and as such a plan with maternity cover will enable you to treatment at any stage of your pregnancy. If you would like to receive a free personalized quotation simply complete the form at the top of this page. Our advisors will typically be able to provide you with a comprehensive list of options within 24 hours. Additionally, you may contact us through our offices in Hong Kong, Shanghai, or Singapore to discuss your needs further with a consultant. For more information on USA International Health Insurance Plans or to receive a free global health insurance quote, please contact one of our dedicated advisors today. 2011-12-22 16:08:23 |
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| Category: Coverage , Maternity , Pre-existing , Family , Hospital , USA , in-patient , Group , Treatment | Page About this Topic | |