WHAT IS MEDICAL INSURANCE?
Medical insurance (sometimes called health insurance) has become a vital component to everyone's financial planning. Due to the cost of health and hospital care, Medical insurance has become a necessary, although not a mandatory, purchase. Medical insurance is, basically, a promise by an insurance company or health plan to provide or pay for health care services in exchange for payment of premiums. Fortunately a lot of employers cover the cost of providing medical benefits cover, however what if your company do not provide health benefits or you are a contractor, self employed or even retired?

WHY DO I NEED A MEDICAL INSURANCE PLAN?
There are many reasons to purchase medical insurance for you and your family. The most important one is simply that medical charges can run into the tens of thousands of dollars or more for a single injury or illness. Furthermore, the cost for hospitalization and treatment of injuries continues to rise at a rate that exceeds inflation.

Health insurance is essential in this day and age because a single accident or serious illness could wipe out your savings and plunge you into debt. You can't predict the future. That's why there's insurance - for the times you need it most. Should you or your loved ones suffer a serious illness or accident, be sure to have the right coverage. Medical Insurance is a vital part of the precautions you take for your family's welfare and financial security.

HERE ARE SOME FREQUENTLY ASKED QUESTIONS

Who can buy a medical insurance Plan?
Medical Plans are available to global clients and expatriates of all nationalities throughout the world. Contact us with your details and we will email you Information by return.

How much will it cost?
This will depend on your age, plan type, selected excess and area of cover needed. Contact us with your details and we will email you Information by return.

Can cover be refused to be renewed because I have made a claim?
No, cover can never refused because you have made a claim. Contact us with your details and we will email you Information by return.

Do you limit the amount I can claim for hospital accommodation charges and surgery?
No, provided the charges are reasonable and customary, medical Insurance can gives a full refund of all private hospital charges including hospital accommodation, surgeons' and anesthetists' fees and all treatment costs incurred whilst hospitalised. Contact us with your details and we will email you Information by return.

Can out-patient treatment and consultations be covered?
Some medical insurance plans can cover outpatient treatments. Contact us with your details and we will email you Information by return.

What is the excess?
The excess is the amount of each claim you have to pay yourself. Contact us with your details and we will email you Information by return.

What happens if I have a sudden illness or an accident in a location where the medical facilities are limited?
Emergency medical evacuations can be covered by most plans. If you have a life-threatening medical condition which cannot be treated locally and which requires immediate hospitalisation, our Assistance Service will arrange to have you evacuated to the nearest country where the treatment you require is available. The plan can also pay for another person to accompany you and will pay towards their accommodation expenses. Once your treatment is complete, the plan will pay for your return flights to your country of residence. Contact us with your details and we will email you Information by return.

Who provides the assistance service?
This service is provided by International SOS the world's largest independent medical assistance company. Contact us with your details and we will email you Information by return.

Can pregnancy covered?
Yes, some plans can cover for pregnancy. Contact us with your details and we will email you Information by return.

Can dental treatment covered?
Yes, some plans can cover for dental treatment. Emergency dental treatment following an accident is covered by most plans. Contact us with your details and we will email you Information by return.

Are sporting activities covered?
Yes, provided you are not a professional sportsman there are no exclusions relating to sporting activities under medical Plans. Contact us with your details and we will email you Information by return.

Can I choose where I have my medical treatment?
Yes, you are free to choose which doctor or hospital you use. Contact us with your details and we will email you Information by return.

What isn't covered by medical plans?
Plans not pay for the treatment of drug and alcohol addiction/dependency, or HIV/AIDS. Contact us with your details and we will email you Information by return.

OK, HOW DO I OBTAIN MY PERSONAL QUOTATION OR ASK FURTHER QUESTIONS?
If you would like a free assessment of the costs and benefits involved with Medical Insurance then click here. We will follow up promptly for you with relevant information