PRIVATE INTERNATIONAL MEDICAL INSURANCE

International insurance plans and benefits often look similar, however they usually have different benefits and limits, apply different exclusions and therefore work in different ways. We’ll make sure you are aware of the differences.

 They also differ considerably from local insurance products in that they provide cover around the world, higher annual limits, comprehensive benefits, and cover at private and public medical facilities giving you the choice and flexibility you require being a globally mobile professional.

  

  

 Leave home knowing you’ve got

the best possible cover and support.

 

   

Types of Cover

Most insurers offer In-patient plans, the most basic option, with benefits that cover high cost treatment such as hospitalisations, day-patient care, specialist consultations, advanced imagery and evacuations.

 Members can also select plans that cover Out-patient benefits that do not require hospitalisation, such as doctor visits, medication and phyisotherapy.

 Some insurers offer a mix of In-patient and Out-patient benefits in one plan with varying levels of cover to choose from.

 See below benefit examples.

Areas of Cover

The wider the area your policy covers the more FLEXIBILITY your policy offers. You potentially have cover at more facilities and the ability to work and travel in any country you desire.

The blue colour indicates the area of cover.

Worldwide

Worldwide (excluding USA)

Europe

Africa

South East Asia

 

 

We make it easy to find

the cover that suits you best.

 

 

Policy Benefits

The core section of any policy, the in-patient benefits can be selected on their own. These  provide cover for serious illnesses and accidents or medically necessary surgeries that are normally high cost and require a stay in hospital.

Out-patient benefits include in-patient benefits plus the addition of out-patient treatment which does not require hospitalisation and are generally low cost.

In-patient (Core)

  • Private or Semi-private Rooms

  • Inpatient Surgeries – including surgeons’ and anaesthetists’ fees

  • Intensive Care

  • Cancer Treatment

  • Transplant Services and Kidney Dialysis

  • Diagnostic Procedures

  • Advanced Medical Imaging (MRI, CT and PET scans)

  • Organ Transplants 

  • Renal Failure and Dialysis 

  • Specialist Consultations

  • Emergency Dental

  • Emergency Evacuation – includes travel costs for an accompanying person, accommodation and compassionate visits.

  • Medical Repatriation – includes repatriation of mortal remains

 

Out-patient

  • Core benefits plus the following…

  • Consultations with medical practitioners and specialists

  • Out-Patient Surgeries

  • Diagnostic Tests

  • Dental Accidents

  • Prescribed Medication

  • Maintenance of Chronic Conditions

  • Prescribed Physiotherapy

  • Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry

  • Vaccinations

Add-on Benefits

  • Maternity Cover – Routine and complications of childbirth – 10-12 month wait periods apply.

  • Dental Care – Preventative, routine, major restorative, orthodontic treatment.

  • Health and well-being checks – physical exams, pap smears, mammograms, cancer screenings.

  • Vision – Spectacle lenses and frames, contact lenses and prescription sunglasses.

  • Accidental Death and Dismemberment

  • Terminal Illness Cover

  • Travel Insurance

  • Life Insurance

  • Income Protection

Outpatient benefits are either covered in full or are covered up to limits set by the insurers.

Some specific benefits may also have their own limits.

For further information or a quote comparison click here.

Additional Features

  • Family discounts

  • No claims discounts

  • Cover at private or public hospitals

  • Easy claim processes, fast claim refunds and online claims tracking

  • Possible cover of pre-existing conditions

  • Direct billing networks – provided by some insurers and in some countries  

  • Pre-approval for high cost treatment 

  • Lifetime renewable 

  • Optional 24 month moratorium or full medical underwriting (FMU)

  • Medical advice help-lines

  • Money back guarantee periods

  • Various payment methods and payment frequency options

  • Smart phone apps

 

Additional benefits may vary between insurers.

To find out what type of cover is right for you, contact us.

 

 

 

One’s destination is never a place, but a new way of seeing things.

 

 

 

Which cover is best for you?

In a medical event or travel interruption, it is important to have the right cover to get you evacuated home or to a country with better emergency care, or ensure the cost of resuming travel is covered. Medical care varies significantly across countries and within regions, so having comprehensive insurance suitable for the country or region you are living or travelling in is important.

Deciding on a suitable insurance plan can be daunting when faced with a number of choices, policy wordings and industry terminology. Understanding these and how they might apply to your situation is not easy, so having the right advice from international medical insurance specialists will provide expert comparisons and deliver additional help and support throughout the duration of the policy.

 

Our advice and recommendations depend on a number of factors;

Intended country of residence?

What do you want to be covered for?

Pre-existing medical conditions?

Benefits vs Price?

Accompanying family members?

 Click here to request a quote.

 

 

 Ensure your family has

the best available care.

 

 

Our 5 Step Process

Making It Easy for You

1.

SITUATION & NEEDS ANALYSIS

We have questions that are quick and easy to answer. They help us determine what you need the cover for. We contact you to discuss your inquiry in more detail where required.

2.

 

COMPARE OPTIONS

We identify the insurers that are likely to best meet your requirements. We provide a benefit and premium comparison and undertake a country health system analysis.

3.

FINE TUNE

We fine tune your preferred plan options. We save you time and money by negotiating the benefits and premium on your behalf.

4.

POLICY SELECTION

If you’re happy with our recommendation we help you apply to the insurer and manage your application to ensure it progresses as it should.

5. 

IMPLEMENTATION

We ensure the policy is in place and documentation is delivered to you.

Click here to start the process.

 

 

 

In the end we only regret the opportunities we did not take.

  

 

 

 

DISCLOSURE STATEMENTTERMS AND CONDITIONS

Global Albatross is New Zealand owned and operated. We are a New Zealand registered Financial Service Provider – FSP number: FSP465706.

Global Albatross is also a participant of the Insurance & Financial Savings Ombudsman Scheme, membership number 2001680.
© 2015 Global Albatross Ltd.
All rights reserved.