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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
GROUP INSURANCE LESS EXPENSIVE THAN INDIVIDUAL INSURANCE?
It depends! If you are 62 and all the other members of the group are under
30, group insurance will be less expensive for you. If you are under 30 and
all the other members of the group are over 60, group insurance will be more
expensive. The two major determinants of group insurance rates are the
average age of the group and the general medical condition of the group.
Thus a young group made up of several people with chronic conditions could
be very expensive.
However, remember that there are other advantages with group insurance
besides the premium. When a team has group insurance, new people entering
the team that would be uninsurable on an individual plan can get full
coverage. Most group insurance plans do not decline new enrollees or put
riders on any medical conditions. If an overseas team decides against group
insurance, they may be making it impossible for a good worker to get any
health insurance.
Another advantage is that having group insurance makes it possible for a
person who develops a chronic disease to come back to the USA and transfer
to an individual domestic health plan under the HIPAA law. HIPAA requires
all USA insurance companies to insure people, no matter what their
condition, who are moving from a group plan to an individual plan. HIPAA is
not applicable if moving from an international individual plan to a domestic
individual health insurance plan.
So there are more advantages to group health insurance than “possible” lower
rates. Back
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