Can you offer medical insurance cover in Australia and Lebanon, as well as travel outside these areas
Pacific Prime can offer health insurance plans with Worldwide medical coverage, enabling policyholders access to medical treatments around the world, including Lebanon and Australia. Pacific Prime can work with you to find out your specific health insurance needs and offer you a health insurance comparison of all the plans best suited to your individual requirements.
There are different levels of Worldwide cover. International health insurance plans will usually give policy holders the option to include or exclude various geographic regions of medical cover. This is due to the varying health costs around the world, such as the United States of America. For example, policy holders who do not visit the USA will normally opt for a health insurance plan with worldwide cover, excluding the USA.
Worldwide coverage is available through the selection of an international health insurance plan. International health insurance plans can offer a range of other unique benefits such as lifetime renewal guarantees and global portability. With lifetime renewal, policy holders can be assured their plan will be renewed at the end of every policy year, regardless of their age or any chronic health conditions they have acquired. Global portability offers flexibility to members as this benefit allows policy holders to carry their health insurance overseas, if they decide to relocate or return to their home country. For these reasons, international health insurance plans are highly appealing to expatriates, compared to the benefits of a local Lebanon health insurance plan, Australia health insurance plan or a travel health insurance plan.
There are various International health insurance plans available. A typical international health plan will offer inpatient and outpatient medical cover, with the option to select extra benefits such as maternity, dental, optical, among other benefits. Families will normally opt for a plan that includes a high level of outpatient coverage, providing them access to treatments such as doctor consultations, vaccinations, diagnostic scans, day surgery, prescriptions and rehabilitation treatments such as physiotherapy. Families who are planning to have more children should select maternity coverage. Insurers will typically apply a waiting period which is normally between 10 and 12 months, as such it is highly important to select maternity cover to ensure you will have worldwide access to the best maternity treatment available.
Premiums are generally calculated by two main factors: the age of the members listed on the health insurance policy, and the geographic location of residence. Other factors that will impact your premium will include any added extra benefits, such as maternity cover or comprehensive outpatient cover. Some insurers will offer premium savings options, such as deductibles or the exclusion of medical coverage in the USA.
If you have any specific requirements from your health insurance plan, such as coverage for chronic medical conditions, or you are planning to start a family, Pacific Prime can work with you to find the right health that suits your additional needs.
For more information on Expatriate Health Insurance Plans or to receive a free global health insurance quote, please contact one of our dedicated advisers today.