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Do you provide health insurance covering families in both the United States and in France

Do you provide health insurance covering families in both the United States and in France

 

Question: 
Hello, I would like to know if you offer a health insurance policy that would cover my family both in the USA and France. Thank you, Russell Raney

Answer: 
Pacific Prime provides international health insurance all over the world. As a leading broker of international medical policies, Pacific Prime specializes in offering insurance packages that suit your international needs. Pacific Prime works with over 60 insurance providers, many of which are global leaders in the insurance industry. Pacific Prime can provide comprehensive expat medical insurance plans for families in both USA and France.

Pacific Prime has worked with many different clients from around the world to provide them with medical insurance that has global reach. There are many benefits of an international health package and knowing the benefits and features of them will help you find one that is custom tailored to your unique situation.

An international health insurance policy normally has the ability to be taken around the world while receiving the same coverage. This means that if you are an English national living in France, or a French national in the USA, you will be able to receive medical coverage if you require medical attention. Moreover, you can take the same plan and go to Hong Kong and receive the same coverage options without being penalized for venturing abroad. It is important to realize that our plans will often provide coverage on a worldwide basis, and using the previous examples you can see that a single policy will be able to cover your family wherever they may be in the world. This is in addition to allowing you freedom of choice to choose where you receive your medical treatment – if the doctor you would like to use is located in another country, or even another continent, you will normally be able to use that doctor’s services under the plan if you should desire to do so.

The coverage options which are available for an international health policy are diverse enough to be suitable for your requirements, and in many cases it may even be possible for us to tailor a policy to meet your specific needs. If you require inpatient coverage – that is, overnight treatment for your injuries – on top of outpatient coverage, you can customize your plans to ensure that it includes these options. In addition, if you have a family and are planning on having another child, you can include maternity coverage so that you will not have to pay potentially astronomical costs associated with child birth overseas.

If you are looking for coverage for your family international health insurance, Pacific Prime is capable of providing the comprehensive coverage you need. For child dependents under the plan, your child is generally insured under your policy up until he or she is 18 years of age. If they are enrolled in full time studies, it may be possible to extend the benefits to 21or 25 years of age, however this will usually vary dependent on the insurance company you choose to obtain your coverage from. Your spouse is generally covered under the family expat health policy.

With an expat medical policy the coverage is normally guaranteed renewable for life – as long as you wish to continue to renewing the policy you will typically be able to do so. For example, if you have expat medical insurance, you normally will not have any problem with renewing the same policy year after year. In addition to continuing coverage, the claims you make under an expat medical insurance plan from Pacific Prime will not usually affect your premiums; allowing you to receive the healthcare you need, when you need it, secure in the knowledge that you will not have a higher premium because you have actually used your insurance coverage. Furthermore, if you develop a serious condition whilst on the global health insurance policy, you will also not be affected in terms renewing the plan – even if you should develop a serious illness, such as cancer, you can normally continue renewing the coverage and benefit from the insurance plan well into your old age.

The reason for these benefits are due to how the premiums are calculated under an international medical insurance plan. Firstly, insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. How is the risk assessed? For a local insurance plan, risk is assessed on an individual basis using the applicant’s medical history and claims profile – this is referred to as an experience rating. The insurer will examine your past profile and determine how much risk you represent in terms of your health; this means that domestic, or local health insurance policies will often seem like a great deal upon the initial application (because you have no “risk” or “experience” under the plan), but will generally mean that you can realistically expect an extremely heightened premium at renewal in the event that you submitted a claim during the previous policy year. For an international health insurance plan, premiums are calculated by a community rating. Insurance companies will examine the risk profiles for an entire community of people who are in the same age bracket, in the same area, and who have the same coverage options, and those individuals will pay exactly the same premium as each other – claims made under the plan are not typically a premium consideration for an international health insurance policy. As an example, two people who are 25 and both live in Hungary, and both have inpatient, outpatient, dental, and medical evacuation coverage, and whose plan offers worldwide coverage, will pay the same premiumsas each other.

If the question doesn’t ask about pre-existing don’t talk about it… pre-existings are probably the biggest negative for what we offer, and we don’t really want to draw attention to the fact that they will almost never receive coverage.

Whilst the community rating means that premiums are often far more manageable under an international health insurance plan there may still be some potential to lower the overall cost of your policy. If you would like to reduce the financial impact of the premiums, there are some options which you can use and one of them is excluding areas of cover. Althoughinternational health insurance plans from Pacific Prime will normally provide worldwide protection, as mentioned above, when applying for your plan you may be asked if you would like to select a specific region or set of countries which you would like to receive coverage in. This is important because some countries haveextremely high costs of healthcareand consequently some countries cost more to insure than others.For example, The US has highest average costs of healthcarein the world and since you are looking to receive coverage in the US,the policy will probably be more expensive than if you excluded insurance coverage in America from your policy.

Normally there are two main coverage area options available under an expatriate medical insurance policy; Worldwide or Worldwide Excluding the USA. However, because Pacific Prime works with more than 60 of the world’s leading health insurance companies we can provide you with an extensive range of coverage area options. Do you need protection in China or Asia? Would you like to extendthe plan’s coverage to African Countries? Our expert advisors will work with you to find a coverage area which works for your family’s travel and living arrangements for many years down the world, and we can help to refine the area of coverage so that you have a premium which is suitable to your budget.

Another way in which you can reduce the financial impact of premiums is by utilizing deductibles. A deductible, sometimes referred to as excess, is the amount which you will contribute towards the costs of your own healthcare. Deductibles are not mandatory under an expat medical insurance policy, and you can choose to have no deductible on your plan if you would like, but by paying for (at least) some of the costs associated with your medical treatment you will often be able to lower your overall policy premium. The deductible can be an annual deductible, a per-condition deductible, or a co-insurance deductible where you share a percentage of the cost on every claim. For more about deductibles please click International Health Insurance Deductibles and Excesses.

As a globally leading international health insurance broker, we are able to offer many different types of coverage at the best costs. In addition to the types of benefits listed above, Pacific Prime is able to offer the following types of coverage which you may find applicable:

- Routine Dental Treatment

- Emergency Medical Evacuations

- Vaccinations

- Alternative Therapies including Traditional Chinese Medicine

- Newborn Child Health Insurance

- Chronic Condition Insurance

- War and Terrorism Health Insurance

By now, you will have learned about the different ways you can be covered and the benefits ofa family health insuranceplan. If you would like to receive a free quote for a Family Medical Insurance plan all you need to do is fill in the short form at the top of this page, one of our expert international insurance brokers will then provide you with a comprehensive comparison of all the plans best suited to meet your unique requirements. Additionally, you can learn more about USA Health Insurance and France Health Insurance options by Contacting Pacific Prime and speaking to a dedicated consultant directly; we are always happy to assist you in finding the best protection in the world.


 
   
     
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