Can you provide more information on medical insurance for teachers of an international school
The global health insurance policies in which Pacific Prime offers has many benefits which can be applicable to international teachers and is very flexible in terms of adding or subtracting benefits. Depending on your current situation, you may or may not need many of the benefits which some plans offer you and it is important to choose which benefits are important to you.
For an international teacher, inpatient and outpatient is important to have in your package. In case of a hospitalization, inpatient treatment usually will have you covered. On a day to day basis, outpatient will normally be able to cover you for treatments which do not require an overnight stay.
If the location of where you are currently working and staying is not as sophisticated in healthcare, it is important to add medical evacuation to your coverage plan. In the event of a medical emergency, your area of stay may not be able to provide you the care and attention you need. As such, you may need to be transported to the closest appropriate location to receive medical treatment and a medical evacuation benefit will allow transportation costs to be covered by the insurer.
An international teacher health insurance plan is a great asset when working abroad. What makes it so great is that you can take it anywhere you like. If you are an Italian national teaching at an international school in China and you have an international policy, you can be covered by the plan. If you decide to travel some more, you will still be covered by that same policy. The mobility of the policy is one of its greatest advantages. In addition, an international health insurance plan is typically guaranteed renewable. This means that even if you make a large amount of claims or develop a permanent injury or illness, you will still be able to renew in most cases.
One of the reasons why this is so is because of the fact that premiums for global health policies are calculated based on a community profile. Insurers will look at how much risk a community represents and then make a calculation, taking into account age, location, coverage types and the overall cost of providing healthcare there. This means that someone who is 26 in Cambodia will pay the same as someone who is also 26 in Cambodia with the same plan, even though one of the individuals may pose a higher risk to the insurer than the other.
As a flexible plan, a global medical insurance plan can offer ways to offset some of the costs of the premium, with one option being the use of deductibles. Deductibles are a predefined amount in which you must pay before the insurer pays. Deductibles are sometimes known as excesses and can come in three forms: annual, per-condition, or co-insurance. An annual deductible is an amount which you must pay on an annual basis before the insurer will cover the cost. A per-condition deductible is an amount which you have to pay for every condition before the insurer will cover any costs. Finally, co-insurance is where there is a set percentage of the cost which you must cover for every condition. Having a deductible can help reduce the cost of the premium.
Another way you can reduce your premium is by excluding some areas. As mentioned previously, premiums are calculated in part by how much it will cost to provide healthcare in a specific area. Therefore, a premium can be reduced if you exclude area with high costs of healthcare, such as the United States or Hong Kong. These locations, and many others, have some of the highest healthcare costs in the world. If you do not foresee yourself going to some countries, it would be wise to exclude those areas from your coverage.
Finally, because of your status as an international teacher, you may be eligible for plans designed specifically for teachers. An international teacher health insurance policy provides exceptional coverage at a great value.
Pacific Prime is a comprehensive broker of international health insurance for expats and teachers alike. By working with world-class insurance companies, Pacific Prime is able to provide you with the best benefits with the best value. Some of the benefits we can provide include:
·Inpatient Health Insurance
·Outpatient Health Insurance
·Maternity Health Insurance
·Dental Treatment Insurance
·Optical Treatment Insurance
·Vaccination and Preventative Health Coverage
·War and Terrorism Health Insurance
·Alternate Therapy Insurance
·Emergency Evacuation Insurance
Speaking with one of our insurance professionals is the first step in acquiring an international policy or an international teacher insurance plan. Getting started begins by clicking on our contact us page or by filling out our free quote form at the top of the page.
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