Health InsuranceThe rates below assume no previous claims history, to insure yourself today please request the application form.
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AREA
1 Worldwide Excludes USA,Canada,Caribbean |
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(45 days emergency cover
in excluded areas is included) |
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ANNUAL PREMIUM (USD) |
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Original Package |
Option 1 |
Option 2 |
Option 3 |
| AGE |
Global Health |
Extended Medical |
Outpatient |
Dental |
| Child |
$460.00 |
$92.00 |
$314.00 |
$180.00 |
| 18-24 |
$882.00 |
$21.00 |
$515.00 |
$340.00 |
| 25-29 |
$940.00 |
$21.00 |
$558.00 |
$340.00 |
| 30-34 |
$1,017.00 |
$44.00 |
$601.00 |
$340.00 |
| 35-39 |
$1,093.00 |
$95.00 |
$655.00 |
$340.00 |
| 40-44 |
$1,170.00 |
$115.00 |
$696.00 |
$340.00 |
| 45-49 |
$1,237.00 |
$140.00 |
$736.00 |
$340.00 |
| 50-54 |
$1,333.00 |
$175.00 |
$792.00 |
$340.00 |
| 55-59 |
$1,621.00 |
$234.00 |
$941.00 |
$340.00 |
| 60-64 |
$2,450.00 |
$714.00 |
$1,502.00 |
$340.00 |
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AREA 2 Worldwide |
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Cover anywhere |
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ANNUAL PREMIUM (USD) |
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|
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Original Package |
Option 1 |
Option 2 |
Option 3 |
| AGE |
Global Health |
Extended Medical |
Outpatient |
Dental |
| Child |
$1,013.00 |
$200.00 |
$690.00 |
$396.00 |
| 18-24 |
$1,941.00 |
$60.00 |
$1,133.00 |
$748.00 |
| 25-29 |
$2,068.00 |
$47.00 |
$1,227.00 |
$748.00 |
| 30-34 |
$2,237.00 |
$98.00 |
$1,321.00 |
$748.00 |
| 35-39 |
$2,405.00 |
$210.00 |
$1,441.00 |
$748.00 |
| 40-44 |
$2,574.00 |
$252.00 |
$1,532.00 |
$748.00 |
| 45-49 |
$2,722.00 |
$308.00 |
$1,619.00 |
$748.00 |
| 50-54 |
$2,933.00 |
$385.00 |
$1,742.00 |
$748.00 |
| 55-59 |
$3,566.00 |
$514.00 |
$2,069.00 |
$748.00 |
| 60-64 |
$4,410.00 |
$1,148.00 |
$2,703.00 |
$748.00 |
The cornerstone of your financial planning strategy will be to ensure financial security for your family in the event of unforeseen circumstances.
Illness, job loss or the death of a wage earner can plunge families into financial hardship. Taking a little time to assess your risks and calculate how much money would be needed to cover debts and provide your family with an income for the future could be the most sensible thing you do today.
Needing to make provisions for your protection through the purchase of certain types of insurance are facts of life in this modern, fast paced world. We offer a free quotation and advice service to global clients and expatriates, for all your protection needs.
Our plans may be purchased by those living and working in countries other than those on their passports. We advise individuals, families, companies, groups, and global corporations.
Health/Medical insurance has become a vital component to everyone's financial planning. Due to the cost of health and hospital care, Health insurance has become a necessary purchase and is a promise by an insurance company or health plan to provide or pay for health care services in exchange for payment of premiums. Fortunately a lot of employers cover the cost of providing medical benefits cover, however what if your company do not provide adequate health benefits or you are a contractor, self employed or work for a company that enhances your salary but leaves you to sort out health and insurance needs.
There are many reasons to purchase medical insurance for you and your family. The most important one is simply that medical charges can run into the tens of thousands of dollars or more for a single injury or illness. Furthermore, the cost for hospitalization and treatment of injuries continues to rise at a rate that exceeds inflation.
Health insurance is essential in this day and age because a single accident or serious illness could wipe out your savings and plunge you into debt. You can't predict the future. That's why there's insurance - for the times you need it most. Should you or your loved ones suffer a serious illness or accident, be sure to have the right coverage. Medical Insurance is a vital part of the precautions you take for your family's welfare and financial security.
Generally, as with most services, you get what you pay for. If you pay more for a comprehensive Plan with a reputable Insurer, you are usually not disappointed, but if you buy a cheap cut rate Plan, beware when trying to claim from it. It is important to determine one's geographical area and routine travel plans as well as possible voluntary excesses which can reduce premiums. Medical cover is best looked at as peace of mind, rather than thinking of ways to claim from it
It is always best to have a review of your medical insurance needs done by an independent Broker. The Insurer's brochure pack and benefits/exclusions can be overbearing. We help you to understand what you are committing to, what the contract actually states and what its limitations and geographical area encompass.
Many expatriate specialist Insurers have excellent premiums, wide benefits, good claims records and efficient support teams in emergencies
International Medical Insurance provides those of us who are living and working abroad with the cost of hospital or out-patient treatment. This ultimately proves to be expensive and difficult to arrange, particularly in an emergency. As you are away from your home country, the last thing you will want to do is take a chance on whether or not you would need to be hospitalised due to illness or accident. Many countries exist where medical treatment of a reasonable standard is just not available, or is available but expensive.
Medical Insurance is like having a parachute when flying –Only used when needed but when needed it is the best thing ever! If we value our health, it must make sense for us to take care of it! Falling ill overseas can be a crippling experience, mentally, physically and financially, as many case histories can testify.
Over half of all expatriates abroad have no medical insurance at all making them vulnerable to the consequences of any crisis of health.
Expatriates often only look to price or premium comparisons which can be a big mistake. Credenda Associates check out benefits of cover, level of cover and any exclusion to such cover. Some Plans are cheap for a reason. Often they take out large voluntary excesses on any claims or severely limit or cap the benefits you may receive under the Plan. A serious accident or transplant operation in the USA or Hong Kong can soon eat up a low cover plan limit.
Credenda Associates can check if you are paying too much for your existing Medical and Life cover, why invest more of your hard earned money than necessary if there are better deals out there for you? Just provide us with your current medical details and we can research and see if other providers offer better value.
Please use the FREE Quote enquiry form at the top of this page for a quotation.
F A Q
Who can buy a medical insurance Plan?
Medical Plans are available to global clients and expatriates of all nationalities throughout the world
How much will it cost?
This will depend on your age, plan type, selected excess and area of cover needed.
Can cover be refused to be renewed because I have made a claim?
No, cover can never be refused because you have made a claim.
Is there a limit to the amount I can claim for hospital accommodation charges and surgery?
No, provided the charges are reasonable and customary, medical Insurance can gives a full refund of all private hospital charges including hospital accommodation, surgeons' and anesthetists' fees and all treatment costs incurred whilst hospitalized
Can out-patient treatment and consultations be covered?
If you can afford the premiums, Out-patient cover makes sense as often specialist care comes into this category. In-patient or day-care only really means a catastrophic cover where you literally are covered in hospital, not if you are walking. Outpatient costs usually encompass fees for specialists visited and the cost of any drugs, medicines provided.
What is an excess?
The excess is the amount of each claim you have to pay yourself
What happens if I have a sudden illness or an accident in a location where the medical facilities are limited?
Emergency medical evacuations can be covered by most plans. If you have a life-threatening medical condition which cannot be treated locally and which requires immediate hospitalisation, assistance services will arrange to have you evacuated to the nearest country where the treatment you require is available.
Who provides the assistance service?
This service is provided by International SOS the world's largest independent medical assistance company
Can pregnancy be covered?
This can obviously be a valuable part of family planning yet many couples and pregnant women often only contact an Insurer when already pregnant. Almost all Insurers we know will treat this as a pre-existing condition and routine maternity cover will not be offered for such ongoing pregnancies, but emergency will be. If a couple are in a Plan for a year, then routine maternity cover is usually available on a co-insurance basis (you pay a portion)
Can dental treatment be covered?
Yes, some plans can cover for dental treatment. Emergency dental treatment following an accident is covered by most plans. Dental cover plans treat dental pain differently from routine dental cover. Emergency dental may be covered if you break a tooth, but the Insurer may not pay for a routine filling. If you suffer an abscess then that may be covered but not the cost of a crown.
Are sporting activities covered?
Yes, provided you are not a professional sportsman there are no exclusions relating to sporting activities under medical Plans
Can I choose where I have my medical treatment?
Yes, you are free to choose which doctor or hospital you use
How do I make a claim?
Your Helpline card is the key to medical help when overseas, make sure you have it and know when to use it. All professional international Insurers have 24 hour Helpline numbers with access to Doctors via their assistance teams. Most will allow clients to either reverse charges or simply call toll free.
What isn't covered by my medical plans?
Plans do not pay for the treatment of drug and alcohol addiction/dependency, or HIV/AIDS.
