Global Medical Insurance - IMG

[submittedviaemail]

Hello,

I was previously insured via your website with a fixed rate expat insurance policy. I think it is Global Basic Insurance (excl. USA & Canada) My premium was $827 for Dec 2006 - Dec 2007 (I am 44yo now). That was fine because I was in Prague, Czech Republic, and the medical fees there are very much less than in the West.

However, now I am in Paris, France and I want to have a plan that gives me
access to the American Hospital. The cost of visiting a doctor there can be 150 - 250EUR/visit. Additionally i want to be covered at 100% in the event of hospitalization (i can deal with a small co-pay if necessary), and it would be nice if pre-existing conditions are covered. My only pre-existing condition is TMJ joint problem, but I haven't had any problems with that for awhile. No other history of medical issues or hospitalization.

I've looked around a bit and I'm worried about a few things.
- the dollar is quite weak now, so that is why i need a policy that covers things based on actual cost
- some policies, like the Allianz Worldwide Care, or BUPA cost about 3000$/year for a plan that covers hospitalization as well as visits to a physician. Most of the plans you offer seem to be significantly less.

Where is the difference?

thanks

[insubuy]

Please look at Global Medical Insurance - Gold or Platinum at http://www.insubuy.com/expatriate-health-insurance/ to get better insurance product compared to Global Basic (Now called Global Medical Insurance - Silver).

The reason Global Basic is cheaper than other products (including other products we offer) is because it has sub-limits on many different medical procedures.

You can choose either 'WorldWide' or 'Worldwide excluding US/Canada'. Of course, 'Worldwide excluding US/Canada' is cheaper.

Please let me know if you have any other questions.

[submittedviaemail]

Hello,

Thanks for your message. I was looking at the Global Medical Insurance Gold. Does sub-limits mean there is a maximum payment for those procedures? Who would you recomment that product for as opposed to a more comprehensive package?

What products that you offer are comparable to something like the Allianz package?

thanks

[insubuy]

Gold does not have sub-limits that Silver (Formerly Global Basic) has.

Silver plan is primarily for the people who travel to or live in places where those sub-limits would be enough.

All the plans we offer are at http://www.insubuy.com/expatriate-health-insurance/ and you can compare them side by side in details. Unfortunately, I am not aware of the Allianz package. Once you get the material from us (from the web site) and also from them to compare to see which one would be better for you.

If you have any further quesstions, please feel free to contact us at any time.

[submittedviaemail]

Hello again,

Thanks for this information. It seems that the Silver and Gold don't cover pre-existing conditions. Is the Citizen Secure plan reliable? It is most likely that i will just need coverage for doctor visits (is that outpatient?)

thanks

[insubuy]

Yes, Citizen Scure is reliable. Yes, Dr visits come under outpatient.

If you have any other questions, please feel free to contact us at any time.