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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UNDERSTANDING INSURANCE

DEDUCTIBLE IS NOT A DIRTY WORD
INSURANCE WAIVERS/RIDERS, RATE-UPS, & CAPPED COVERAGE

WHAT'S A “RIDER”?  WHAT'S A “WAIVER”?
PRE-EXISTING CONDITIONS
WHAT'S A “PRE-EXISTING CONDITION”?
EXCLUSIONS
WEIGHT, WEIGHT CHARTS AND HEALTH INSURANCE
AGE AND INSURANCE PREMIUM
UNDERWRITING - WHAT IS IT?

TRIP OR HEALTH INSURANCE -- WHAT'S THE DIFFERENCE?
AMERICAN PPOs & HMOs - WHAT'S THE DIFFERENCE?
HIPAA / PORTABILITY INSURANCE
THE DIFFERENCE BETWEEN AN INSURANCE BROKERAGE & AGENCY

WHAT IS A “CERTIFICATE OF INSURANCE”
THE “PRE-EXISTING CONDITION” PROBLEM?
WHAT IS CO-INSURANCE?

UNDERWRITING AT THE POINT OF APPLICATION
HOW DOES AN INSURANCE COMPANY DETERMINE PREEXISTING CONDITIONS?
WHAT TO DO WHEN THE WEIGHT CHART SAYS YOU AREN’T TALL ENOUGH?

WHY USE A BROKER OR AN AGENT? HOW MUCH DOES IT COST?

WHY USE A BROKER OR AN AGENT? HOW MUCH DOES IT COST?

The good news is that it does not cost you any extra to use an agent or broker! There is no surcharge, and you would pay exactly the same price if you went directly to the company. You never pay an extra penny for using an agent.

So how can an agent help? Usually an agent is the representative of one company. A good agent focuses on helping his clients understand the insurance products of the company he represents. He also builds a personal relationship with the client, something the company cannot do because of the volume of their business. If he is a good agent, his focus will be on service, and he makes an effort to be available for his clients.

A broker represents the client and not a specific company. A broker, because he has contact with many companies, can offer a wide variety of products to help his client find the best plan for his/her specific needs. Good Neighbor Insurance is a broker, and we are contracted with ten different international health insurance companies. Therefore, we have a large array of insurance plans to offer you. You can see a wide variety of our plans by going to our corporate web site: www.gninsurance.com.

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

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