International Travel Medical Insurance to the Middle East

Traveling to the Middle East for a long term work assignment, or for study, or as a contractor working abroad.

The Policy

International Travel Medical Insurance protects you in many ways.  It offers access to quality medical professionals regardless of where you are in the world.  The coverage benefits are typically better than some of the best domestic ACA plans.

Quote:   GeoBlue     Cigna Global

You have 24 hour access to a team of specialists waiting to help you through your situation or provide you with information pertaining to where you are.

Your plan can provide long term coverage for you and your family, who need coverage for a year, several years or up to permanent protection.

You have custom phone and tablet apps that allow you to search for doctors and hospitals in your area and view their profiles.  Fill prescriptions, schedule appointments, forward you ID card or show proof of insurance.

GeoBlue                 Cigna Global

Also, make sure your policy includes “emergency medical evacuation.” This coverage provides air evac services to a medical facility that can properly care for your illness or accident.  The air transport can take you to another city, country or back to your home country for care.  Many parts of the world have limited medical services.  If you find yourself in one of these area and need medical attention, you can be assured your international medical coverage will pay for the emergency evacuation services so you can be cared for by medical professionals.

Quality long term international medical companies like Cigna Global and GeoBlue, use a contracted doctor network which has been established around the globe.  These network doctors offer direct payment from the insurance company so you don’t have to pay for the services.  These companies also allow you to see out of network doctors and hospitals with no out of pocket penalty.

Claims

If you enroll into a long term (more than 6 months) individual or family international plan yo will need to answer some medical questions pertaining to your current and past health status. After the review the company will either approve your enrollment or decline it.

Medical underwriting review at the time of application prevents the company from scrutinizing every claim and looking back at your pre-existing conditions. Most other companies will have very limited underwriting at the time of application, but will thoroughly review every claim that is submitted and may determine the claim was the result of a pre-existing condition and decline the claim.

Please contact me anytime so we can discuss which company will work best for you.

John Conner
916-682-1117
john@johnconner.com

Information Request:

 

Travel Insurance Pre Existing Conditions and Exclusions

I am often asked; “why is there such a big difference in premiums between companies and their long-term international medical plans?

Long-term policies will have some type of medical underwriting or approval based on your health status. One of the primary differences is how a company determines, excludes and or covers “pre-existing” conditions.

First Example:  Some companies offer plans with very good benefits coupled with low premiums.  In this example the company most likely undergoes very limited medical underwriting or review at the time of application.

In this case the company will most likely underwrite and investigate every claim to determine if the medical services provided are from a “pre-existing condition.”  The verbiage below is the actual wording of an International medical insurance company:

Any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, regardless of the cause, including any congenital, chronic subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 12 months prior to the coverage start date of this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed.

This specifically includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, for which medical advice diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 12 months immediately preceding the coverage start date of this policy.

The above verbiage is very unsettling. This is an example of a company who can dispute or deny just about any claim that is reviewed.

Second Example:  more reliable companies will go through a bit heavier underwriting and review before the application is approved.  If approved the new member knows they will not be scrutinized every time they have a claim.

The GeoBlue Xplorer long-term medical plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days immediately preceding the member’s eligibility date.

Although, the 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

The GeoBlue clause above is much more reasonable and fair.

Ultimately, how a company views pre-existing conditions will determine the quality of a policy.

The last thing you want as a policy holder is to have a claim declined when you need them the most.  Only to find out, they determined the claim was a pre-existing condition you didn’t even know you had.

For a person or family needing a long-term international medical plan, be sure to look into, or ask about the pre-existing condition coverage and exclusions clauses and definitions. It will help with your decision.

Also, companies who do not medically underwrite at the time of application, will generally go through a medical review at the “time of claim,” which means they will look at your health history and determine if the current claim is the result of a pre-existing condition.  It they believe it is, the claim will most likely be denied.

On the other hand, companies that underwrite before the policy is approved, generally to not go through a medical review at the time of claim and the claims are typically processed quite quickly.

QUOTE:

Please feel free to contact me anytime with questions regarding international medical companies, plans, or any of the above mentioned clauses and definitions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Quote and Information Request

International Travel Medical custom quote and information (Individual, Family or Group).  Please complete the form below.

You will only receive information from our office. Your information is private and no other person will contact you.

QUOTE & INFORMATION REQUEST Form:

 

John Conner
1-916-682-1117
john@johnconner.com

Cigna Group International Health Insurance Plans

Cigna Global offers several Employer Group Health options for Employers with International and Multi-national employees.

You expect the best from your employees on assignment in another country.  And they expect the same from you.  That’s where Cigna Global Health insurance for employees on international assignment for more than six months.  Cigna offers the high-level coverage they expect … and then some.

You have employee expatriates and third country nationals working in other countries. You want them to have easy access to quality health care around the world.  Cigna Global provides superior claims handling, 24/7 member services to talk to a live person to help with your situation. In addition one of the larges international doctor, hospital and pharmacy networks available.

When it comes to international health care benefits, you have high expectations.  And Cigna does it’s best to exceed them.  Cigna’s Employer Global Health plans go beyond health benefits and can be tailored to what your company needs.

Cigna Global employer plans

Benefits you need to be aware of …

  • Inpatient, Outpatient, Prescriptions and much more.
  • Access to the world’s largest health network – with more than 1 million doctors and hospitals across the globe.
  • Fully compliant plans.  We are experts in helping choose or design globally compliant solutions that are cost-effective and comprehensive.
  • 24/7/365 access to our Service Center and in-house team of international doctors and nurses.
  • CignaEnvoy.com.  This innovative website is loaded with features that help you manage your benefits and help your globally mobile employees get the answers and care they need.
  • The option to speak with a counselor about mental, emotional and general life issues through the international Employee Assistance Program.  Help is available anytime.
  • Quick claims payments.  More than 90% of clean customer claims are paid in 10 days or less regardless of language or currency.
  • A success rate of nearly 100% in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.
  • Additional “above and beyond” services that include remote second opinions from the Cleveland Clinic, international pharmacy fulfillment, and much more.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go.  Even if they get relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

You’ve Got Options … In addition to our global health offerings, you can add dental, long-term disability, life and evacuation / repatriation coverage.  Create the ultimate benefits package by adding all of them, or pick and choose what’s best for your company.

Evacuation / Repatriation … If an emergency strikes, our evacuation / repatriation policy ensures that your employees get transported to a facility that can handle their needs.  This optional benefit is payable at 100% and has no deductible.  Medical coverage is required for this optional benefit.

Please contact John Conner anytime with questions
1-916-682-1117
John@johnconner.com

Questions and Comments:

Nano Multinational Company International Health Insurance

Nano Multinational Companies with an International Health insurance plan in force for their global employees are a step ahead.

Companies with a Global mindsetthey think across borders and have the confidence to innovate.  The same mindset must be maintained with the safety and care of their employees while traveling, working and living abroad.

Quote:    GeoBlue        Cigna Global

Nano Multinationals are innovative and forward thinking, which can also be said for international health insurance companies.

  • Tech Savy
  • Global mindset
  • Agile
  • Innovative

Nano Multinationals … often capitalizing on their ability to move quickly. In the past it was difficult for smaller companies to expand as they needed to understand local regulations and market dynamics, as well as identify new partners.

information was not readily available. Over the last 10 or 15 years, technology has made information and connections more readily available, and easier to acquire. Allowing companies the ability to research online and network across borders more easily. “If opportunities in a home market are hard to come by – international expansion offers greater opportunities for a companies products and operations.

Globalization has made it both easier and more attractive for smaller firms to operate internationally, rather than just domestically – whether that means establishing physical operations in overseas markets, sourcing goods from suppliers around the world or selling into foreign markets.

International Health Insurance …

With companies expanding their operations abroad, the employees who are working in foreign lands are put at greater risk for illness and or accident.  Unfamiliar with the town, city or country they are working in. Driving laws, local languages and cultures, regional illness or disease, medical practices, where is the nearest quality care if sick or injured.

All of these can lead to uncertainty.  What if a crisis occurs, who do you contact?  Will your group health company answer an international phone call?  What if you need help late at night or on the weekend. Will they answer then.  Of course not.

International health insurance is specifically designed for the global traveler. One person or an employer group plan of hundreds of employees.

It starts with …

  • A very comprehensive global medical plan, providing benefits that rival the best domestic health plans.
  • 24/7/365 access to member services for simple questions up to managing a crisis situation. Always available regardless of where you are worldwide.
  • Technology … the mobile app for your smartphone or tablet allows you to review doctors and hospitals in your area of the world, order prescriptions, schedule a doctors appointment, download a copy of your ID card and much more.
  • Emergency medical evacuation and repatriation … if you are severely ill or injured, your international coverage will air transport you to the nearest hospital which can properly treat and care for your condition, often times to a different country or back to your home for care.  Domestic health insurance does not offer this coverage.

Human Resources (HR) don’t let your employees feel stranded by their domestic insurance when they are global.  International health insurance – a few days or several years.  Proper coverage for the employee, executive, contractor or owner.

A couple companies I recommend:  Blue Cross Blue Shield Global, and Cigna Global, both provide excellent coverage, service and have been working in the international community for decades.

Questions?

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

 

 

 

Expatriate in Canada with Cigna Global Medical

cigna globalCIgna Global offers three comprehensive international health insurance plans for the individual Expat moving to, working in and traveling to Canada.  Short or long-term comprehensive medical plans for individuals and dependent family members.

Expatriates plans in Canada for work assignments, schooling or simply to live,  Cigna Global’s Silver, Gold or Platinum plans provide the health benefits for anyone moving to Canada for any amount of time.

Cigna International Medical Insurance Plan chart

With Cigna Global you have access to over 1 million doctors, hospitals and specialists worldwide.  These contracted doctors have been thoroughly screened to meet the high standards set forth by CIgna’s provider network department.

Cigna has provided global health insurance for over 30 years.  Today we have over 70 million members in over 200 countries.  Looking after them is an international workforce of 31,000 people.

Your domestic health insurance and workers compensation will fall short when it comes to care in another country.  Most care is not covered once you leave the U.S. borders.  Also in the event of a medical emergency, neither domestic health insurance or work comp will pay for the emergency medical evacuation back to the States, Cigna will.

International Health & Well Being …  

  • Take control of your own health.  The international Health & Wellbeing module helps you proactively manage your health before you fall ill.
  • Screen against disease, test against common illnesses and get reassurance with routine physical exams.
  • Also benefit from dietetic consultations, counselling support and our online health educations program.

International Dental & Vision …  

  • Look after eyes and teeth with International Dental & Vision coverage.
  • See the difference with vision care.  This covers you eye tests, corrective lenses, eyeglass frames, prescription sunglasses and contact lenses.
  • Maintain healthy teeth with a wide range of dental treatments.  You are covered for preventive, routine, major and some orthodontic procedures.

Enroll in a Cigna plan … 

  1. Choose either the Silver, Gold or Platinum plan.
  2. Add Optional Modules:  International Outpatient – Emergency Medical Evacuation – Dental & Vision and International Health and Well-being.
  3. Pay for your plan – we accept most credit cards and also payment by installment.

To find the right plan for your situation please call or email anytime.  Or click here to view all available international plans.

Thank you

John Conner
916-682-1117
john@johnconner.com