Can I cover my child in the Philippines if I currently live in the USA
Pacific Prime can offer comprehensive international health insurance plans which will provide coverage on an international basis. This means that we are able to offer plans which would afford your child the coverage they need while in the Philippines, but would also cover you for the duration of your stay in the United States of America.
Plans which we work with will allow you to include your dependent on the coverage.While the terms of adding a dependent to a plan will change depending on the insurance company you choose to work with, we can typically add dependents on the plan up to the age of 18, or in some cases 23 if the child is a full time student.Please be advised that adding a dependant to your plan will, in most cases, also raise your overall premium.
However, if you did not want to add your child to an existing plan as a dependant, in some cases we may be able to create an individual policy for your children. In this case you would obtain a policy for your child, with you as the policyholder, but which would not cover you. In this instance your child would be covered under the plan, but you would only be the “administrative contact,” and only the child would pay the premium. Again, it is important to note that this is not available from all insurance providers, and may only be applicable on a case-by-case basis.
In terms of benefits, the plans we work with can afford you with a wide range of coverage options. Plans which we can offer may include the following benefits:
·Emergency Evacuation and Repatriation
·Alternative Therapies such as Traditional Chinese Medicine
·Vaccination and Preventative Healthcare
These are just a sample of the many coverage options we offer. In most cases we can actually tailor the plan to meet your individual needs. For example, as the cost of dental treatment in the Philippines is relatively low, it may not be necessary to include this coverage on the policy. However, instead it could be a good idea to include emergency evacuation coverage due to the lower standard of Filipino medical facilities. An emergency evacuation benefit would ensure that, should no suitable medical facility be available to receive your children in the event of an accident, that they would be relocated to the nearest center of medical excellence, even if it is located overseas (such as Bumrungrad Hospital in Bangkok).
Additionally, due to the fact that the plans we provide offer worldwide coverage your children would be able to receive treatment in the Philippines, and in the USA should they come to visit you. In fact, the plans we offer will often allow you the freedom to choose where you receive treatment, giving you the choice of any doctor or hospital anywhere in the world. This means that your children could actually go to Singapore, or Hong Kong, or even the United Kingdom to receive their care.
Our international health insurance policies are also typically guaranteed renewable for life. This means that your child can continue to renew the plan well into their old age, no matter what the state of their health. As such, purchasing a global medical insurance plan now may be an excellent investment for their future healthcare, and help you avoid costly out-of-pocket payments in the event that they develop a serious illness down the line.
For more information about the Filipino health insurance policies we work with, or to learn more about medical insurance coverage in the USA, please contact us. Alternatively, simply complete the short form at the top of this page to receive a free comprehensive quote.
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