ARTICLES EXPLAINING INTERNATIONAL AND DOMESTIC INSURANCE COVERAGE

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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

INSURANCE FRAUD AND VOLUNTEER WORKERS

It may be hard to believe, but insurance companies that serve volunteer workers also lose money due to fraud.

Often people ask me if they should reveal all of their medical problems when they fill out an application. Some feel that since they had a major medical problem some time ago and it is not bothering them now, they need not list it. Yet such misstatements can cost an insurance company thousands of dollars. And remember, whenever an insurance company pays an "undeserved claim," someone pays for it. Who? The healthy people on the insurance plan pay. Unmerited claims always cause insurance rates to increase.

We had one experience where a senior worker failed to explain a certain pre-existing medical condition. If she had been honest, the company would have declined her insurance. Due to her pre-existing condition she ended up having major surgery. Before the insurance company discovered she had lied on her application, they had paid her claims of over $100,000.

In another group insurance plan, a worker in the USA falsely claimed membership of a volunteer organization. Her insurance claims of $80,000 were paid before the insurance company realized she was not a volunteer worker in the organization.

It is very difficult to win the confidence of secular people in these companies when volunteer people are dishonest in insurance matters. The good news is that almost all volunteer workers are scrupulous in telling the truth when completing a health application!

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Health Insurance in the USA

"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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