Questions Page 2

Q. What is the difference between a standard (in patient) and a comprehensive (in and out patient)international medical plan?

A. A standard or basic international medical plan will usually cover in-patient or day care treatment, post hospital treatment, nursing at home, emergency evacuation, repatriation or burial or mortal remains, emergency dental and complications of pregnancy. A Comprehensive plan will cover all the above plus out-patient care and specialist treatments, complimentary care, routine maternity, or routine dental. A Comprehensive plan generally has higher budget limits than a Standard plan. Most plans exclude pre-existing conditions which may go back 2-5 years or even longer.

Q. Are dental treatments covered?

A. Most plans cover Emergency Dental treatments. Please ask our advisors to verify Routine Dental Treatment.

Q. Are there deductibles applicable on International Health Policies?

A. Yes, the standard deductible is $250.00 per year. You may choose a higher amount in order to reduce your premium. We also offer plans with zero annual deductibles.

Q. Will the policy cover me worldwide?

A. It depends on what area of coverage you choose. There are 3 main areas of coverage in International Health Insurance. Area 1: covers Europe, Area 2: covers the rest of the world excluding the United States and Canada, Area 3: covers Worldwide including the US and Canada. Global Advisors will assist you in determining the coverage needed. Please keep in mind that premiums increase as you increase the area of coverage.

Q. As a USA citizen, can I purchase an International Medical Plan?

A. Yes, however, you must reside outside the United States for more than 6 months of the year. Global Advisors will assist you according to your individual circumstances.

Q. I am going to reside and / or work in the United States. Will an International Health Plan cover me?

A. Yes, however, only until you become eligible for a US Domestic Healthcare plan. If you plan to immigrate or reside in the US for a long period of time, you will need to obtain coverage with a domestic plan. this is dictated by US law. In most cases, International Plan insurers will ask you to sign an Affidavit stating that you have been refused coverage by three domestic providers, hence you are eligible for International Insurance.