Group Health Insurance

Group medical insurance plans are designed to accommodate groups larger than three persons. We can develop customized coverage and offer premium discounts to groups.

These plans generally have the same or better coverage than individual plans.

Plan premiums are calculated depending upon where group members live and their ages. The plans are not specific to one country so if a member of the group relocates to a new country, the coverage can be taken with them. Furthermore, if a member should leave the group he can normally transfer to an individual plan with the same insurer and retain cover for all pre-existing conditions.

Plans can be customized to have levels of cover depending on group member seniority and can include maternity, dental, chronic conditions, travel, personal accident, etc. We can also include a deductible (excess) to minimize the policy administration and keep premiums low.

If you are interested in arranging a group insurance plan, please contact us so that we can better understand your needs.

Benefits of a Group International Medical Insurance Plan

Inpatient or Hospitalization Coverage
This coverage normally gives you a free choice to visit any hospital or use any surgeon according to your choice.

Coverage is typically for:

  • Room and Board (Private Room)
  • Surgery, Anaesthesia and Nursing
  • Operation and Recovery Room Equipment
  • Medicine Whilst Hospitalized
  • Diagnostic Tests, Lab Tests, X rays, (MRI) etc
  • Chemotherapy and Radiotherapy
  • Room and Board for Parent or Guardian Accompanying a Child
  • Care at Home Following Hospital Discharge
  • Outpatient Surgery
  • Acute Dental Treatment Following an Accident
  • Transportation by Ambulance

Outpatient or Clinical Coverage
This coverage normally gives you free choice to visit any doctor, specialist or clinic you choose.

Coverage is typically for:

  • Medical Practitioner's Fees, including Specialist's Fees
  • Prescribed Medicine and Medical Equipment
  • Diagnostic Tests and Procedures, Lab Tests, X-rays, Magnetic Resonance Imaging (MRI)
  • Physiotherapy, Chiropractor, Homeopathic and Acupuncture Treatment
  • Outpatient Surgery
  • Psychiatric Treatment
  • Home Nursing

 

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Optional Benefits Available for Group Medical Insurance Policies

Maternity
Many plans offer additional coverage for Maternity. Maternity normally has a waiting period before coverage is effective, and this typically means conceptions can only occur 3 to 12 months after the medical plan starts.

Maternity coverage normally includes: 

  • Normal Delivery
  • Pre and Post Natal Consultations
  • Diagnostic Tests and Medication
  • Newborn Coverage (some plans also cover congenital conditions)
  • Complications of Delivery are normally also covered to higher limits
  Emergency Evacuation
Covers the cost of transportation to the nearest medical centre where adequate medical facilities are available to treat the condition. This can include emergency airlift, the cost of an accompanying person is normally included as well as the return journey

Dental
Some plans offer additional dental coverage. Coverage is normally of two types: Routine Dental: polishing, scaling and normal compound fillings, etc. Major Dental: Removal of impacted, buried or un-erupted teeth, removal of roots, new or repair of bridge work, new or repair of crowns, root canal treatment, dentures, etc.

Important Points to Consider

Chronic Condition Coverage
Chronic conditions are generally defined as medical conditions which you do not recover from but only manage and maintain, for example diabetes and asthma. Currently about half of the international medical insurance plans in the market offer coverage for chronic conditions. It is important to understand that the on-going treatment and management of chronic conditions can be very expensive; as such plans offering this coverage are generally more expensive.

Geographic Coverage

There is basically two types of coverage. Worldwide including North America and Worldwide excluding North America. If you choose Worldwide excluding North America then you can choose to visit any hospital, doctor or clinic anywhere in the World excluding North America. Conversely, if you choose to include the coverage in North America then you can go for treatment anywhere.

Premiums that include coverage in North America are normally much higher. Most plans taken out are Worldwide excluding North America unless you are a US citizen. Plans that do not cover North America for elective treatment will normally still cover you for emergency or unscheduled treatment if you happen to be there while on business or vacation for a short period.

Deductible or Excess
Using a deductible or excess is an effective way to keep premiums low and reduce administration. 

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