Question: I am already pregnant; may I get one of the Signature plans?
Answer: Yes, you may apply for a Signature international health insurance plan. However, because you are already pregnant, the current pregnancy would be excluded from coverage.
There is a 10 month waiting period (of continuous coverage) before Maternity is covered on elite (no maternity rider) or Select and Care with the Maternity rider. You would certainly have coverage for all other eligible medical expenses if you are pregnant; only medical expenses related to the pregnancy or maternity would be excluded.
Question: Is Maternity Insurance Available On The Signature Medical Insurance Plans?
Answer: Yes, maternity insurance is provided but it works in a couple of different ways.
For the Signature Elite overseas health insurance, maternity benefits are included. There is a 10 month waiting period after which maternity expenses would be covered.
On the Signature Care and Select overseas health insurance, maternity insurance is a rider or additional coverage that you can add at any renewal. There is also a 10 month waiting period, and then maternity benefits will be covered after that date.
Question: What is PA Group’s policy on past / pre-existing medical conditions?
There is a waiting period of 30 days for coverage for other than infectious diseases or accidental injuries. This can be waived with prior coverage certificate.
However, when you apply for any of PA Group’s Signature international medical insurance plans, you need to list all pre-existing medical conditions. During the review of your application, or during “underwriting,” PA Group will determine to what extent they will cover any pre-existing medical conditions.
If any known past or pre-existing medical conditions are not disclosed on the application, it could result in those expenses being excluded or a void of the policy.
Question: We are Canadians; if we get “excluding U.S. coverage” will we be covered in Canada?
Answer: Yes, you will be covered in Canada but will not be covered in the U.S. This is a fantastic option if you will not be traveling to the U.S. because you will save a lot on premiums by excluding the United States coverage.
Answer: You have the option to have worldwide coverage, or exclude the U.S. If you have worldwide coverage, you are limited to 180 days of coverage inside the U.S.A. per policy year. Coverage can only start if you are outside the U.S. and there are no other limitations of time in any other countries.
Question: We plan to live overseas indefinitely. To what age will Signature cover me?
Answer: As long as you apply and are accepted on any the Signature international insurance before age 74, you may stay on the plan indefinitely.
Question: What is the PA Group Network of international medical providers like?
Answer: The Signature overseas health insurance plans utilize the United Health Care (UHC) Network in the U.S.
Question: Is International Term-Life Insurance/Accidental Death and Dismemberment available on this insurance?
Answer: Yes, both international term life insurance and accidental death and dismemberment (AD&D) are available on this insurance. Both of these are only available for the primary insured / main policy holder under age 66.
Question: What does the 90 day Deductible Carry Over mean?
Answer: If you have not met your deductible for the year, any claims in the last 3 months of the policy year, will carry over to meet the deductible in the next policy year.
Question: I live in China, do you have an alternative to Signature for me?
Answer: Yes, PA Group offers the Premier Health plan for which residents of China are eligible. You can learn more at: https://www.gninsurance.com/pagroup-premier-international-health-insurance/