Anybody who lives outside of their home country and their indigenous spouses and children and applies before age 74 for all plans. Children can be covered immediately from birth.
How can we get the contract of health insurance?
You will get a contract with Health Insurance Provider by filling in an application form.
Is the overall maximum or overall annual limit per person?
Yes, the limit per annum depends on plan taken by member(s).
Can I seek treatment anywhere in the world?
Yes, so long as it is within the geographical area you have paid for.
How and when can I and/or my family get certificate of insurance and membership cards?
All package including, Policy Certificates, Policy Wording, Claim Forms and Insurance Cards are issued and sent to you directly upon receiving confirmation of full payment. Documents are shipped usually within 2-3 days, but often the same day directly to your address of residence or place you specified on application form.
What if I have two passports?
If you have two nationalities, sign up as a national of the country that you are least likely to visit or want to return to for medical treatment. Then you’ll have no home country restriction in the other country for which you hold a passport.
What if I have a foreign spouse, a citizen of the country of my residence?
The primary applicant must be an expatriate, if you have a foreign spouse they can be covered and have no home country limitation. If you want to return to your home country and keep the insurance going, then switch your spouse to be the primary applicant who will then be an expatriate. Then you can be the indigenous spouse with no home country limitation.
Not all our insurance providers we work with allows it. We will advise you accordingly.
What period of time can I be covered for and are the plans automatically renewable?
The policy is for one year and automatically and guaranteed renewable annually. You can continue to renew forever, there is no upper age limit.
Will my insurance be effected when I leave the country I reside and be appointed to work in another country?
Not at all. You can carry on with MedExPlans even though you are sent to work in another country. You will still be an expatriate. All you will have to do is inform us about your new residence address change and we will handle the rest. You will still receive our full support as our client.
Can I go to any hospital?
Yes, we don’t have an approved list. You can go to any hospital or clinic you like.
Can I change the Level or Area of cover?
You may change your level of cover at your next renewal date, and area of cover at any time. Obviously, if you upgrade the wait period for benefits such as routine pregnancy still apply. If you have a medical condition under treatment and want to change your geographical area to be treated in the US, then this will be at our discretion.
Am I covered if I travel outside of my country of residence?
This is when you consult with a general practitioner (family doctor) or outpatient specialist (e.g. a radiologist) without being admitted to a hospital. An example would be if you have the flu or something and visit your doctor’s office
What is inpatient treatment?
This is when you are admitted to a hospital. It is usually for more serious ailments.
What is pre-existing condition?
A pre-existing medical condition or related medical condition means any disease, illness or injury you had before the date on which your international health insurance plan starts, whether the condition has been diagnosed or not, that has one or more of the following characteristics:
clearly showed itself;
you had signs or symptoms of;
you asked for advice about;
you received treatment for;
to the best of your knowledge, you were aware you had.
How can I pay?
You can pay by credit card/debit card or bank transfer.
What does routine dental cover?
Routine dental covers annual check ups, cleaning, x-rays, drilling, filling,root canals, extractions etc. Basically, it covers any treatment to sound natural teeth. There is waiting period 6 months
What is accidental dental?
This is a dental problem caused by a blow to the face or accident. Inpatient dental is fully covered under the hospital limits.
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Tel: +48 58 7321 841
All Insurance is arranged through Licensed Insurers.