The benefits are the first thing to look at. Lay the Benefits page side by side with the plan you are presently using or one that you want to compare it with. Are the deductibles the same? Is the plan deductible per incident or per calendar year? Is the co-insurance the same? What about co-insurance for overseas? Is it the same? What about the benefit period? Is there a six-month benefit period from the time of injury? Will the insurance reimburse for medical care received in the USA? What is the maximum coverage for the two plans? Is one providing $10,000 of maximum coverage and the other $100,000? What about medical evacuation? Is it included in the medical limit or a second benefit from the medical limit of the plan? Check the pre-existing condition policy. Is there a waiting period for pre-existing condition coverage? If so, how long?
Generally speaking, if the rates of one plan are 15 percent or more lower than another, there is a variance in the benefits. If companies are offering the same benefits, generally the premium is very close. You can get a good comparison of short-term plans at:
https://www.gninsurance.com/short_term.asp , and for career plans at: https://www.gninsurance.com/long-term-international-health-insurance/ .
We work on keeping all information on this site relevant, and free from error.
The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.