If you are living or working overseas from your home countries, there is a type of health insurance which is available, which is probably more suitable for you, it is sometime refer to the international health insurance or perhaps international private medical insurance IPMI. It is a type of insurance who has grown up over the last twenty or thirty years, as I suppose the international expatriates’ community has grows up. Generally the insurance can be characterizes as extremely comprehensive, portable, mobile, renewable. If I try to break that down a little bit further you can see if this is the kind of health insurance you are interested in. The health insurance is specifly designed for been overseas. It’s level of coverage is generally very high. Inpatient, outpatient dental, chronic conditions... Typically the coverage is more than a million or even more than two million USD. That’s affectively pretty much bottom less. That would be an annual benefits, not a life time benefits so every year the benefits will be renewed and you would be able to claim again. The plan is generally what we will call “community rated” so it is not experience rate, if you claim a lot or if you have a serious illness or an accident you premium will not be individually adjusted. The plan is by definition portable, so you live in country 1 and move to country 2, 3 or 4, than the plan will go with you. No change in the term and conditions. Premium may adjust base in the place you lived. So for example if you live in Hong Kong as an expatriate, the premium is gone to be higher than if you live perhaps Thailand or Kenya as an expatriate bit the plan will be portable between this countries . Generally the coverage is global, so if you live in country A and you want to go home, let s say that you go back to the UK or to Australia then you will be covered in your home country up to the same level of cover as you would be where you are living now. The plans are becoming more and more widely available, lots of international insurers are today moving into the market of international medical insurance. As such our job is in intermediary to help you to found the right plan. They vary enormously in term of benefits and conditions, premiums service level renewability’s but if you are interested in this type of insurance. Than please come and talk to us. We have a lot of experience, we have been doing this for more than fifteen years and in facts pacificprime is the world largest seller of international private medical insurance to individuals, we have over 200 staffs working just in the area. So if you are looking for help or advice in international health insurance please come and talk to us.
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