FAQ
Eligibility
Who is eligible?
Anybody who lives outside of their home country and their indigenous spouses and children and applies before age 74 for both ExpatHealth and GlobalHealth. Children can be covered immediately from birth.
What is my home country limitation?
From July 2007 onwards we will no longer restrict the number of days that our members can spend or have treatment in their home country. For all nationalities except USA and Canada, provided the home country falls within the selected area of cover, members may now spend as much time there within the year as they wish. Unfortunately for US and Canadian nationals the current restrictions still apply, as local law prevents us from offering wider cover.
What if I have two passports?
If you have two nationalities, sign up as a national of the country that you are least likely to visit or want to return to for medical treatment. Then you’ll have no home country restriction in the other country for which you hold a passport.
What if I have a foreign spouse?
The primary applicant must be an expatriate, if you have a foreign spouse they can be covered and have no home country limitation. If you want to return to your home country and keep the insurance going, then switch your spouse to be the primary applicant who will then be an expatriate. Then you can be the indigenous spouse with no home country limitation.
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General
What period of time can I be covered for and are the plans automatically renewable?
The policy is for one year and automatically and guaranteed renewable annually.You can continue to renew forever, there is no upper age limit.
Will I be required to answer a medical questionnaire or have a medical exam?
No.
Will my cover be affected if I return home?
Yes, you’ll be covered for 120 days if you are US or Canadian National (must select Area 3 worldwide). Other nationalities have no restrictions if your home country is in the geographical area of cover you paid for. After 120 days, cover will cease in your home country but not elsewhere. Arrangements can be made to continue cover at home if you have a foreign spouse or have another passport.
How do I apply and how quickly can I be covered?
Simply click “GET A QUOTE NOW !” button on our homepage or download an application form, complete and fax it back. We can also post, fax, or e-mail you an application. If you’re paying by credit card we can cover you immediately or on the date you specify in the future. Post us the application form with original signatures at your convenience afterwords.
How can I pay?
You can pay by credit card or bank transfer. Monthly, Quarterly and Semi-Annually payments are excepted only by Credit Card.
What will I receive after I join?
You’ll receive a membership card with expiry date and to phone numbers to our underwriters for first assistance in the event of a problem. You’ll also receive a certificate of insurance, the policy wording, claim forms and procedures.
Can I go to any hospital?
Yes, we don’t have an approved list.
Can I change the Level or Area of cover?
You may change your level of cover at your next renewal date, and area of cover at any time. Obviously, if you upgrade the 12-months wait period for benefits such as routine pregnancy still apply. If you have a medical condition under treatment and want to change your geographical area to be treated in the US or Canada,then this will be at our discretion.
Am I covered if I travel outside of my country of residence?
Yes, we even provide extra benefits like missed departure, cancellation, lost baggage etc. Please see our Benefit pdfs for more details.
Can I seek treatment anywhere in the world?
Yes, so long as it is within the geographical area you have paid for. With our medical travel benefit, we’ll even pay your airfare up to $1000, if the cost of treatment is going to be less. ( ExpatHealth Plans Only)
What is compassionate emergency travel?
Compassionate travel is a return home $3000 benefit that allows you to go home if an immediate family member under 75 dies or becomes terminally ill. It also allows an immediate family member to come to your hospital bedside if you become hospitalized.
What are the major exclusions?
AIDS, STD’s, routine physicals and immunizations, chronic conditions, cosmetic surgery etc. These restrictions are standard in most policies. Are hazardous sports excluded Amateur sports that are excluded are mountaineering with ropes and pitons, and racing motor vehicles or driving motorcycles off road.
What is inpatient treatment?
This is when you are admitted to a hospital. It is usually for more serious ailments.
What is outpatient treatment?
This is when you consult with a general practitioner (family doctor) or outpatient specialist (e.g. a radiologist) without being admitted to a hospital. An example would be if you have the flu or something and visit your doctor’s office
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Deductible/Excess Questions:
What are the deductible options?
The standard deductible for ExpatHealth is US$50 and for GlobalHealth US$75. If you choose the higher deductible option you will get a discount on the premium as shown in chat below:
| Expat Health |
|---|
| 10% | $70 |
| 15% | $100 |
| 25% | $250 |
| 30% | $500 |
| 45% | $1000 |
| Global Health |
|---|
| 10% | $95% |
| 15% | $190 |
| 20% | $470 |
| 25% | $940 |
| 30% | $1875 |
| 45% | $4690 |
How is the deductible applied?
It is deductible that is charged per claim as with most other policies. If you choose the standard $50 ($75 Global Health) we’ll only levy this on outpatient claims. Let`s say you need visit doctor (dentist) more than once, then on your last day take receipt/invoice with overall amount written on it and attach to claim form. There is no need to have as many claim forms as visits.If you re-visit physician and get another claim form which is related to the same problem we will pay 100% of your next receipt/invoice.
I did not reach deductible amount yet, what should I do?
If the amount to be claimed is less than the deductible figure under your plan, remember to retain the claim form and receipts – do not destroy or dispose of them. Keep collecting all out-patient receipts and claim form documents until you reach an amount in excess of your plan deductible. Then forward to Underwriter all completed Claim Forms together with original receipts/invoices no later than up to 3 months from date you started treatment.
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Dental Cover Questions:
What does routine dental cover?
Routine dental covers annual checkups, cleaning, x-rays, drilling, filling,root canals, extractions etc.Basically, it covers any treatment to sound natural teeth. To the above Global Health Plans covers porcelain crowns.
What isn’t covered are appliances: things like crowns (Expat Health), caps and bridges.
ExpatHealth Plans -no waiting period, treatment available immediately.
GlobalHealth Plans – treatment available after 6 months continuous cover.
What is coinsurance on routine dental?
This benefit has 25% coinsurance, which means you are paying 25% of the routine dental bill yourself. Think of it this way, we’ll pay 75% up to $1000 annually of your routine dental bills. Global Health have 10%, which works the same way as above.
What is accidental dental?
This is a dental problem caused by a blow to the face or accident. The benefit is $1000. The limit only applies to outpatient dental procedures. Inpatient dental is fully covered under the hospital limits.
