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Do you provide medical insurance for people who retire abroad

Do you provide medical insurance for people who retire abroad

Question: 
Do you provide medical insurance for people who retire abroad?

Answer: 
Pacific Prime can provide comprehensive international health insurance plans to individuals who plan on retiring outside of their home country. Our expat health insurance plans for international retirees are generally guaranteed renewable for life and will often be globally portable, ensuring that in the event of your departure from the foreign nation that your plan will be able to continue to provide you with the high levels of protection you require.

Our international retiree health insurance options will often afford you the ability to obtain global coverage, and will normally allow you to seek your healthcare with the doctor or hospital of your choice, anywhere in the world.

While plans normally allow for worldwide coverage it is important to note that you will typically be given the option of deciding exactly where you want to receive coverage under your expat medical insurance policy. Many of the insurance companies we work with will usually allow you a range of choices with regards to your insurance plan’s geographical area of coverage. Two of the main options include:

·Worldwide coverage

·Worldwide coverage excluding the USA

Choosing where in the world you would like the policy to provide protection for is important due to the fact that some countries, such as the USA, will have much higher average medical costs than others, such as Thailand or China. If you are not intending to spend a large amount of time during your retirement in the USA choosing to exclude the country from your policy can mean that you will receive a significant reduction in the overall policy premium.

With reference to global medical insurance premiums, these are generally calculated based on the policyholder’s age, the plan’s geographical area of coverage, and the coverage benefits offered by the policy. International health insurance plans from Pacific Prime will not take your medical history into account when providing an initial premium quotation, and will not increase your renewal premium because you have made a claim under the policy. Your claims will not increase the cost of your retiree health insurance policy; premiums will only increase due to global medical inflation rates and your age.

We can provide extensive deductible options which you can select from which will also help to keep your retiree health insurance plan premium down. A deductible is the amount which you will contribute to the cost of care in the event that you make a claim under the policy, with the insurance company covering the remaining expenses. Choosing to obtain a higher health insurance deductible under your policy will typically mean that the plan premium is reduced.

International Retiree Health Insurance plans can provide you with an extensive range of comprehensive coverage benefits. In many cases, due to our relationships with many of the world’s leading international insurance providers, it may even be possible for us to tailor a plan to meet your specific coverage needs. Global health insurance coverage benefits which you may wish to consider can include:

·Inpatient treatment coverage

·Outpatient treatment coverage

·Dental treatment coverage

·Alternative Therapies, such as Traditional Chinese Medicine

·Preventative Healthcare and Vaccination Coverage

·Emergency Evacuation Coverage

For more information about the many international health insurance options we can provide to retirees around the world, or to learn more about the various coverage benefits we offer, please contact one of our expert representatives. Alternatively, you can receive a free quote comparison of all the major plans which may best meet your requirements by completing the short form at the top of this page.


     
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