CHOOSING AN INSURANCE PLAN - SUBMITTING AN INSURANCE APPLICATION

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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.