MANAGING YOUR INSURANCE - REVIEW YOUR POLICY

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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

PLEASE READ YOUR POLICY

One repeated statement we hear from the insured is, “I didn’t know that wasn’t covered on the policy.” Of course, when we face a major medical difficulty it is very discouraging to find out that a medical condition is not covered on our insurance policy.

I know of no insurance policy that covers “everything.” Insurance companies are very careful to state what they cover on the “Benefit Page” and what they do not cover on the “Exclusion Page” of their brochures. Although we may not like the exclusion page, it is one way insurance companies limit coverage on certain conditions and thus control premiums.

It is also important to note that most insurance plans in the same category cover basically the same things. When comparing plans that are similar, do not compare just the premiums, but also pay careful attention to the small differences in benefits. For example, one plan may have better maternity coverage. Also, if one plan has rates that are much lower than others, you can be assured that the benefits they are offering are not as rich as other comparable plans.

Above all keep in mind that no insurance plan will cover all possible medical situations.

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"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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