LIBRARY OF INTERNATIONAL MEDICAL AND HEALTH INSURANCE INFORMATION AND RESOURCES
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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

INTERNATIONAL HEALTH INSURANCE

   

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CHOOSING AN INSURANCE PLAN

CHOOSING A HEALTH INSURANCE PLAN-- WHAT TO LOOK  FOR
CHOOSING A HEALTH PLAN
AVOID BEING DECLINED FOR HEALTH INSURANCE
CONTROLLING UNBEARABLE INSURANCE RATES

SPLITTING POLICIES--A WAY TO SAVE MONEY
HOW LARGE A DEDUCTIBLE SHOULD I CHOOSE?

HIGH OR LOW DEDUCTIBLES--WHAT'S BEST?
WANT TO SAVE MONEY? CHOOSE A HIGH DEDUCTIBLE
HOW MUCH SHOULD I REVEAL ON MY APPLICATION?
AUTOMATIC CREDIT CARD DEDUCTIONS

THE LARGE PRINT GIVETH, THE SMALL PRINT TAKETH AWAY

WHEN SHOULD I SUBMIT MY INSURANCE APPLICATION?

FINALLY! CAREER HEALTH INSURANCE FOR SINGLE WOMEN
THE WISDOM OF A HIGH DEDUCTIBLE

OPTIONS FOR COVERAGE OF PRE-EXISTING CONDITIONS
“STRONG” & “WEAK” CAREER INTERNATIONAL HEALTH PLANS

MEDICAL EVACUATION – HOW MUCH COVERAGE DO WE NEED?

LOW DEDUCTIBLE. HIGH DEDUCTIBLE. WHAT’S BEST?
FOUR DIFFERENT TYPES OF CAREER HEALTH INSURANCE PLANS

WHAT TO LOOK FOR WHEN RATES ARE TOO GOOD TO BE TRUE
HEALTH INSURANCE COVERAGE HERE, THERE, OR HERE & THERE?
TEN REASONS TO PURCHASE GLOBAL CITIZEN.
WHEN IS A PLAN WITH A STRICT PRE-EXISTING REQUIREMENT A GOOD IDEA?
HEALTH RATES IF COVERAGE IN THE USA IS EXCLUDED 

LOW DEDUCTIBLE. HIGH DEDUCTIBLE. WHAT’S BEST?

People generally choose a deductible based on their ability to meet that deductible. If you have no problem finding $5,000 to pay the deductible in the case of a major catastrophe, then a $5,000 deductible is a good option. If you think you could only find $1,000 in a crisis, then $1,000 would be a reasonable deductible.

Many folks think that going with a high deductible saves a lot of money. You do save, but sometimes not so much. Note the changes in annual premium for a 30-34 year old male based on various deductibles:

The largest saving of $249 comes between the $500 and $1,000 deductible. Going from $1,000 to $2,500 saves only $99, and from $2,500 to $5,000 only saves $140. In fact, going from $1,000 to $,5000 saves only $239 per year even though you have added $4,000 to the deductible. So increasing the deductible does not produce great savings. Up to the present time, with all companies, the $1,000 deductible seems to be the most cost-efficient.Back to Index

Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com

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