Q.  Are pre-existing conditions covered?  What is a moratorium?

A.  Some plans require that you complete a "Medical History Declaration" on the application.  it is vitally important to provide your complete medical details. This will prevent questions or even a rejection of a claim.  Most plans will require a 12 to 24 month waiting period prior to covering pre-existing conditions.  Chronic conditions are rarely covered even after the 24 month waiting period. Some insurers, however, may offer some initial coverage, be sure to discuss this with your Global Advisor.

You may also chose to sign a moratorium, if one is available.  In this case, you will not be required to provide any medical history but the insurance company may not cover any medical condition which has existed in the last 2-5 years.  Such conditions may automatically become eligible for coverage only when you do not have symptoms, or receive treatment, medication, tests or advice from your general practitioner for that condition for a period of (usually) two years after the policy has been made effective.

 Q.  What happens if I choose to return home for vacations or other?

A.  International medical policies are designed to cover you when you are outside of your home country.  However, most insurers will also cover you for a limited period in your home country.

Q.  Do insurers have a money back guarantee?

A.  Most insurers do offer a money back guarantee.  If you are not entirely satisfied with your insurance documents, you can cancel your coverage within the first 30 days and provided you have not made a claim, the insurer will fully refund the premium you have paid.

Q.  Do International Medical Plans cover sporting activities?

A.  There are no exclusions relating to sporting activities.  However, hazardous sports are not covered unless you have declared that you participate in a particular activity and the insurer has agreed in writing to cover you for that activity.  The following is a non-exhaustive list of hazardous sports:  mountaineering where ropes or guides are normally used.  hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snow mobiling, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus, water skiing, snow skiing and snow boarding.

Q.  I am coming to reside in the United States, am I eligible for International Health Insurance?

A.  You are eligible for an international plan as long as you are not a permanent resident of the United States, nor are eligible for US domestic healthcare insurance.  US laws prohibit us from selling international health insurance to those eligible for US domestic healthcare insurance.  Please speak to your Global Advisor for specific details.

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