CHOOSING AN INSURANCE PLAN - SUBMITTING AN INSURANCE APPLICATION

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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

WHEN SHOULD I SUBMIT MY INSURANCE APPLICATION?

When should you submit your insurance application? We had one person call us from a pay phone in the airport and apply for coverage just before her plane was to depart. We don’t advise that.

For short-term individual plans and team plans try to get your application in two weeks before you leave. This enables the insurance company to mail you your medical ID card, policy, and letter of confirmation. You can also apply for your short-term plans up to three or four months before you go if you wish.

Most career insurance plans will provide one month’s coverage in the USA before you leave. If you are interested in being covered with insurance during those last 30 days before you depart for overseas, then you can apply for your career plan 60 days before you leave. The principle is that international insurers will not accept an application that has been signed more that thirty days before the effective date of the coverage. But it is important to submit your career plan within 30 days of your effective date. Your application will have to go through underwriting, and the insurance company may ask for medical records. Often this can take weeks.

Our goal is to have your medical insurance approved and get your medical ID cards and policy to you before you leave the USA. We can only do that if you plan ahead and apply early, thereby giving us ample time to clear your application with the insurance company.

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Health Insurance in the USA

"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"

(DS, Pennsylvania)

"Nelma, Thank you so much for your immediate help in getting my credit from the insurance company. It’s this kind of service from you and your partners that keeps me coming back to GNI for ALL my international insurance needs. "

(KD, California)

"Trish, Thanks so much for your follow-up on this. We actually got a check in the mail already, covering all the charges minus the $250 deductible. I was surprised and pleased that we got it so quickly! Thank you again for taking care of us. You have been extremely helpful, Trish."

(AR, Indiana)

"Doug, I wish to thank Pei for the first class service I received. I value great customer service having worked for a Japanese airline for 17 years. I believe the service reflects the management."

(TM, New York)

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