Can I pay for an international health insurance plan for my parents
Pacific Prime can provide comprehensive options for your parent’s global medical insurance coverage, and the plans we work with are normally guaranteed renewable for life, offer global portability, and will afford your parents with worldwide protection. Additionally, the majority of the policies on offer through Pacific Prime will allow the policyholder(s) the freedom to choose where they receive their healthcare, enabling them to utilize the medical services of any doctor or hospital anywhere on the planet.
While it is normally not an issue for you to pay for your parent’s coverage, it should be noted that this is only possible for medical insurance plans without any life insurance protection. In the event that your parents are seeking a life insurance linked medical policy, due to the “insurable interest” on these types of policies, they will have to pay for the coverage on their own.
Premiums for the international health insurance policies provided by Pacific Prime are calculated based on the age of the policyholder(s), the plan’s area of coverage, and any optional benefits which you may opt to include in the coverage.
Premiums are not calculated based on the policyholder’s claims history.
This means that you will not be penalized with a higher annual premium for receiving medical care under the policy, enabling your parents to receive the healthcare they need, when they need it.
We offer a multitude of choices with regards to the payment of global medical insurance premiums. Plans can be paid for in most major currencies, including USD, GBP, EUR, and RMB, and payments can be made at a number of frequencies – upon application you will be given the choice of payment frequency with options including Monthly, Quarterly, Semi-Annual, and Annual payments.
Additionally, in order to give you the most flexible options possible, we also offer a range of options in regards to how the payment is made. You can pay for the policy with a Bank Transfer, Cheque, Credit Card, or even Cash.
Under the coverage, we extend the philosophy of choice, and enable you to choose from a range of coverage benefits ensuring that your plan gives you the levels of protection you require. In many cases it may be possible for Pacific Prime to actually tailor an international health insurance plan to meet your specific needs, and we can offer an extensive range of protection options including coverage for:
·Inpatient Health Insurance
·Outpatient Health Insurance
·Dental Treatment Insurance
·Emergency Evacuation Insurance
·Vaccinations and Preventative Healthcare
·War and Terrorism Health Insurance
·And Many More
Pacific Prime works with more than 60 of the world’s leading global health insurance companies and can provide the largest range of options for medical insurance coverage of any intermediary worldwide. As a broker we work for our clients, not the insurance company, and help to ensure that any policy you are considering obtaining is in your best interests.
Our many years of experience providing dedicated health insurance policies to expatriates around the world means that we have unparalleled knowledge of the healthcare concerns and medical issues frequently experienced by foreign nationals living outside of their home country. Additionally, our expatriate brokers understand the needs of an expatriate in the 21st century and will work to find you the international health insurance policy which is best suited to addressing these needs. We can provide information in a number of major languages, including English, German, Italian, Russian, Mandarin, Cantonese, Spanish, Portuguese, Dutch, and French (to name but a few) ensuring that you are able to completely understand all aspects of your coverage in the language which you are most comfortable with.
When you choose to use Pacific Prime as your insurance representative you also gain access to our dedicated, in-house support teams. Our extensive claims department will ensure that all claims are processed in a smooth and efficient manner; we’ll make sure that the paperwork is completed and chase the insurance provider on your behalf so you don’t have to – one phone call or email is all that is needed to get a claim started when you work with us. Furthermore, our policy management and renewals department is constantly monitoring the international insurance industry in conjunction with your policy, ensuring that your plan is as good as it can be and making certain that you never miss a renewal date and that you always have access to the most relevant details regarding your coverage.
Even Better? You’ll never pay more for purchasing a plan through Pacific Prime than you would if you had gone directly to the insurance company. Our advice and services are completely free of charge to you.
For more information on how to apply or pay for an international health insurance plan, or if you would like to learn more about the extended services we offer, Contact Us to speak to an expert insurance broker today. Alternatively, you can complete the short form at the top of this page to receive a range of free, customized quotes.