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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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WHY GET LONG-TERM GROUP INSURANCE FOR OVERSEAS STAFF?
AFFORDABLE GROUP TERM
INSURANCE FOR FIELD STAFF
GROUP COVERAGE --
COMPLETE TAKEOVER
GROUP INSURANCE FOR TWO OR
MORE UNITS?
GROUP INSURANCE LESS EXPENSIVE THAN
INDIVIDUAL INSURANCE?
GROUP HEALTH INSURANCE FOR SUB-GROUPS OF NGOs
SWITCHING YOUR GROUP COVERAGE
SOME KEY
ADVANTAGES OF GROUP INSURANCE
GROUP HEALTH
COVERAGE FOR A “SMALL” ORGANIZATION
ONE KEY
ADVANTAGE OF “TRUE GROUP” INSURANCE
THE VALUE
OF GETTING A GROUP INSURANCE QUOTE
KEY
QUESTIONS WHEN CHOOSING CAREER HEALTH COVERAGE
BEFORE
YOU GO – A TRAVEL MEDICAL CHECKLIST
GROUP INSURANCE FOR NON-AMERICAN ORGANIZATIONS
MEDICAL
EVACUATION – HOW MUCH COVERAGE DO WE NEED?
GROUP INSURANCE FOR TWO OR MORE UNITS?
Good Neighbor Insurance has companies that will insure groups of two or
three or more workers, individuals, couples or families. What is the
advantage? For one thing, all pre-existing conditions in the group will be
covered. Another advantage is that new workers joining the group will
automatically be accepted for insurance coverage. Also, if the group is
relatively young the rates will be reasonable. But the main advantage is
that after a person has been on a group plan for 18 months they can receive
a "Certificate of Creditable Coverage," which guarantees insurability if
they return to the USA.
Here is a scenario: Joe has been overseas for five years. He is careful and
bought a good individual career insurance plan. While overseas he developed
a bad case of Hepatitis C, in fact, so bad that he had to return home and
resign from his sponsoring organization. He also loses his career health
insurance because it will not cover him in the USA. No other American
domestic insurance company will insure him because of Hepatitis. So now he
is very sick and uninsurable.
If Joe had been on group insurance, he would have received a "Certificate of
Creditable Coverage." On presenting this Certificate to any insurance
company, they would be required by law to provide him with HIPAA (Health
Insurance Portability and Accountability Act) coverage. These plans are more
expensive, but at least he would have insurance.
If your group is interested in pursuing group insurance, please e-mail us at
jeff@gninsurance.com, or call us
toll free from within the USA at 866/636-9100. Back
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| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
