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Results from search: http://www.phahealth.co.uk/
PHA Health & Medical Insurance - Individual, Company, Group & Expat
PHA Medical & Healthcare Insurance
89 Station Road
Sidcup
Kent
DA15 7DN
UK
Tel: 0870 7700 942
Fax: 0870 7700 941
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Amazon Books - Finance, Health & Insurance
If you feel like a mushroom -
in the dark about your healthcare !
We can help -
Health Insurance is a minefield !
With over 30 companies offering over 200 plans in the UK alone, how can you
be sure you buy the right plan?
You need
INDEPENDENT SPECIALIST ADVICE
PHA is totally independent of ANY insurer and will give you truly unbiased
free advice. Do remember that if you contact an insurer direct, or a "tied
agent" of an insurer, they will only be authorised to advise you on the schemes
run by that single organisation. Independent status allows a broker to
advise its clients on a wide range of policies and to select the best one
according to the clients' own circumstances. PHA hold over 30 insurance
agencies and explains in Plain English the
benefits of the plans so that you can understand what is covered and what
is not.
Health Care insurance is a complex product which is why you need specialist
advice from truly Independent Advisors such as PHA. We do not sell an insurance
plan from one Insurance company instead we advise you on the best plan that
suits your needs for the lowest premium from a whole range of insurers.
Here are some examples of monthly premiums for recomended plans.
Click Here for more details of the plan benefits.
Individual Examples
Click on each range (Comprehensive, Mid-Range, Budget or High Excess Option) for a benefit summary
* Including a £100 excess
** Includes a £2,500 excess
Age =
25
30
35
40
45
50
55
60
65
70
Comprehensive *
£42.17
£44.02
£46.96
£51.15
£56.54
£64.77
£76.64
£80.32
£107.15
£127.92
Mid-Range *
£24.00
£26.50
£29.26
£32.78
£38.93
£46.01
£53.34
£66.05
£84.31
£107.59
Budget
£20.09
£22.68
£25.94
£27.62
£28.34
£31.54
£33.86
£36.72
£44.49
£54.62
High Excess
Option **
£8.95
£10.96
£10.96
£14.98
£14.98
£23.77
£23.77
£35.04
£48.52
£63.62
Family (2 adults + 2 children) Examples
Click on each range (Comprehensive, Mid-Range, Budget or High Excess Option) for a benefit summary
* Including a £100 excess
** Includes a £2,500 excess
Age =
25
30
35
40
45
50
55
60
65
70
Comprehensive *
£105.42
£110.05
£117.41
£127.87
£141.35
£161.94
£191.59
£200.79
N/A
N/A
Mid-Range *
£59.09
£64.09
£69.92
£76.65
£88.96
£103.11
£117.77
£143.18
N/A
N/A
Budget
£60.00
£64.78
£71.30
£74.66
£76.10
£82.50
£87.14
£92.86
N/A
N/A
High Excess
Option **
£17.90
£21.92
£21.92
£29.96
£29.96
£47.54
£47.54
£70.08
£97.04
£127.74
The above policies have been chosen for their 'best value for money'
cover for a Comprehensive, Mid Range, Budget and High Excess policy. If you
find any of the premiums of interest, please specify on the
quotation form which one you require. Should you
require independent advice on a wider range of plans (not limited to the
recommended plans shown above), then please use the
application form accessible by clicking here .
A low-budget healthcare protection policy is available here -
Healthcare Hospital Cash Plan .
We are able to quote you for various categories of health insurance. If you
would like to learn a little more about the various classifications of
health insurance, click here to check
the Definitions of Types of
Healthcare Insurance You may be surprised at the number of different types
of cover that there are and which you might need.
To go to the relevant sections, click on the links here :-
Health Insurance for Individuals
Recommended Plans
Health Insurance for Companies/Groups
Critical Illness Insurance
Expat Health Insurance
Income Protection
Long Term Care
Hospital Cash Plan
Health Trust Fund
Free
Quote from:-
Quote
Options from:-
To go straight to the Medical Insurance Quotation request form please use the
links below according to whether you are an Individual or a Company/Group
administrator. We have specialist policies relative to these distinctions
and will be happy to provide you with a free quotation.
Recommended Plans
Individuals
Companies/Groups
PHA PROMISE TO KEEP YOU IN THE BEST OF HEALTHCARE
Code of Conduct
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Home Page
About PHA
Type Of Healthcare
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Results from search: http://liability.netfirms.com/individualhealthinsurance/individual-medical-insurance.html
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Results from search: http://www.internationalmajormedicalinsurance.com/
International Major Medical Health Insurance
Home
Company Info
Travel Health Insurance
International Health Insurance
Group Travel Insurance
Group Health Insurance
IMG Services
Domestic US Health Insurance
To apply, click "Get Quote" button, fill-in the form, click calculate, and then click on the price you want to pay.
INDIVIDUAL INTERNATIONAL HEALTH INSURANCE PRODUCTS
Global Medical Insurance : Long-term major medical insurance for U.S. citizens living outside the U.S. and foreign nationals living anywhere in the world. This is for people who need extended coverage rather than the shorter coverages provided by the Patriot programs
Global Term Life Insurance : Optional term life supplement to Global Medical Insurance.
Global Daily Indemnity : Optional indemnity supplement to Global Medical Insurance.
TRAVEL HEALTH INSURANCE
Patriot America : This covers non-U.S. citizens outside their country of citizenship. It is best for visits that are less than six months. This plan can be rewritten but not renewed.
Patriot International : This covers U.S. citizens traveling outside of the United States. It is best for visits that are less than six months. This plan can be rewritten but not renewed.
ExPatriot Plus : This is a six-month minimum plan that covers US citizens outside the U.S. and foreign nationals outside their country of citizenship. The minimum initial period is six months and is then optionally renewable for up to two years.
Patriot Executive : This program is designed for frequent international travelers. Coverage includes standard Patriot Travel features with additional coverage for pre-existing conditions. This plan requires the individual to have domestic coverage in place before leaving the U.S.
For additional information:
information@internationalmajormedicalinsurance.com
InternationalMajorMedicalInsurance.com
800 472-5005 phone
248 299-4747 fax
Results from search: http://www.bupa-intl.com/
Welcome to BUPA International - Quality health care for people living and working abroad.
Quality
health care for people living and working abroad
Quality
international health care for your company
All the general background information you need
to know when planning to live abroad, including the major health
risks and issues. Click
here
BUPA International arranged for Yousouf Boulad to receive
emergency open heart surgery in the UK. More
Home
| About Bupa International |
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Health Insurance | Group Health
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© BUPA 1998-2001 | Legal
notices BUPA International is registered as BUPA Insurance Limited
Results from search: http://casualtyinsurance.9f.com/student-health-insurance/major_medical_insurance_coverage.html
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Results from search: http://www.swissinsurancepartners.com/individualins.htm
SIP Swiss Insurance Partners - Swiss annuities, Swiss annuity, life insurance, international health insurance, health insurance, medical insurance, medical plans, health plans, international medical, accident insurance, corporate health plans, private health plans, corporate health insurance, corporate medical insurance, expatriate insurance, expatriate health insurance, emergency evacuation insurance, critical illness insurance, income replacement, annuities, annuity, Swiss insurance, Swiss life insurance, asset protection, estate planning, pension insurance, pensions, pension planning, endowment policies, term insurance, term life, whole life, endowment protection, endowment insurance, annuity insurance, SIP,
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Print this page
At Swiss Insurance Partners, we specialise in the very best international health insurance available worldwide, giving you security, continuity and a high quality
of service. Individual clients and families worldwide rely on us for professional advice and assistance in this delicate area where our expertise and experience are second to none.
About two-thirds of expatriates with private health insurance are covered by a corporate plan arranged by their employer. Those not eligible for this benefit or who prefer to make their own arrangements can do so by taking out a private health insurance policy.
However, private international health insurance makes sense not only for expatriates. Even those who have no plans ever to live abroad would do well to choose an international health plan in preference to local private health insurance. Because the public health
systems of most countries provide only basic services and do not offer a free choice of doctors and hospitals, worldwide, comprehensive cover is strongly recommended and is sometimes available only by choosing an international health plan.
Worldwide choice of doctors
and hospitals - available through Swiss Insurance Partners
International insurance - independent of your place of residence
In most countries the cover offered by local health insurers is limited to residents of that country. If someone moves abroad, their health insurance policy will not as a rule be continued. They are left with a choice of finding another local insurer in their new country of residence or of turning to an international health insurer. While good local health insurance is available in many countries, it may be difficult to obtain truly global cover which includes an unrestricted choice of doctors and hospitals worldwide. Although an international insurance policy which provides such cover independently of the place of residence or duration of stay in any particular country is naturally more expensive, it is often well worth the extra cost.
Wherever your life may take you, only with a good health insurance cover you can ensure that all expenses are paid in case you have an accident - anytime, anywhere.
Take out health insurance as early in life as possible
Persons over 55 years of age or with health problems may find it difficult or even impossible to obtain private health insurance, be it local or international. Therefore it is highly advisable to take out appropriate health insurance at a younger age and before the first signs of ill health manifest.
Choosing the right health insurance plan
There are many health plans to choose from whose benefits and prices vary widely. Policies differ greatly not only in their cover of optional extras, but also of major eventualities such as transplants and chronic illnesses. It is therefore relatively difficult to compare the wide range of products available internationally, and considerable time and effort is needed to obtain at least an overview of the key features, benefits, exclusions, options and premiums.
Very often, people look at what they currently pay but neglect to consider what will happen when they get older. Most insurers charge tiered premiums, with the tiers typically rising in age bands of five years. The premiums of many health plans become extremely expensive for higher age bands. This pricing policy is usually justified by pointing out that the need for medical care becomes more likely with increasing age. However, a few companies are able to offer more balanced premium curves.
Look at the insurance company as well, not just the product
If you need long-term cover, you should not only look at the product but also at the company itself. There are many attractive policies on the market, and some of them are priced very competitively. However, it is advisable to check out the company's claims handling procedure, and it also makes sense to ask what the situation will be like in ten years' time and whether the health plan - or even the company - is still likely to be around.
Protect yourself and your
loved ones with a health plan that suits your individual needs
Read the article about the Benefits of Private International Health Insurance
by Swiss Insurance Partners as published in
Why use a broker?
Nearly all private health insurers operate through brokers who give advice to those seeking insurance. In return, the brokers receive a commission from the company whose product is chosen. However, no provider reduces the premiums by the value of this commission if the client buys from them directly. It therefore makes sense to seek such advice as long as the broker is really independent, has the necessary expertise and experience, and does not work under contract for only one insurer. Independent insurance consultants are experienced in identifying potential problems because they continuously monitor the health insurance market worldwide and compare cover, premiums and level of service.
Why use Swiss Insurance Partners?
We offer the very best international health insurance policies from the world's leading and most established health insurance companies, providing comprehensive cover and a free choice of doctors and hospitals worldwide for private medical treatment.
At Swiss Insurance Partners, you choose only among the best, carefully selected medical plans to suit your individual situation. You have the option of comprehensive cover (ambulant/out-patient and hospitalisation/in-patient) or cover limited to hospitalisation (in-patient) only.
You may add supplementary insurance for Dental and Optical treatment or Medical Evacuation if required. There are also special health plans to top up and complement existing local insurance, although it is often better to replace local insurance with an international health insurance policy.
If you decide for one of the comprehensive insurance plans we recommend, you will be covered anywhere in the world including the country of your residence. There is no limit on the time you can spend abroad. Indeed it does not matter where you live, work or
travel. You can choose any place of treatment worldwide , and you are in charge when it comes to choosing a hospital, clinic or any qualified doctor or specialist. Whatever your work entails, wherever it may take you, you are covered. There are also no restrictions on hobbies or sports of any kind , even if conducted on a professional level. Any person - regardless of residence or citizenship - who has not reached 80 years of age can apply. Once accepted, you will enjoy guaranteed lifetime renewability.
By arranging your insurance policy through Swiss Insurance Partners, you pay no more in premiums than going directly to the insurance company. But you save time and money because you benefit from our comprehensive advisory and support services. Not only can you be sure to select the insurance which suits your needs, you also benefit from our on-going assistance and advice.
We are independent of any particular insurer and therefore represent only our client's interests. Through our expertise and experience we are able to provide you with the information and advice you need to make Your Choice for Life. SM
Last updated 29 April 2002 - SIP Swiss Insurance Partners, the SIP logo and Your Choice for Life
are trademarks or registered trademarks. Copyright 2001 by SIP Swiss Insurance Partners. All rights reserved
Disclaimer and Important Legal Information
Webmaster
Results from search: http://www.swissinsurancepartners.com/corporateins.htm
SIP Swiss Insurance Partners - Swiss annuities, Swiss annuity, life insurance, international health insurance, health insurance, medical insurance, medical plans, health plans, international medical, accident insurance, corporate health plans, private health plans, corporate health insurance, corporate medical insurance, expatriate insurance, expatriate health insurance, emergency evacuation insurance, critical illness insurance, income replacement, annuities, annuity, Swiss insurance, Swiss life insurance, asset protection, estate planning, pension insurance, pensions, pension planning, endowment policies, term insurance, term life, whole life, endowment protection, endowment insurance, annuity insurance, SIP,
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At Swiss Insurance Partners, we specialise in the very best international health insurance available worldwide, giving your company and your employees security , continuity and a high quality of service. Companies, associations and other
group clients worldwide rely on us for professional advice and assistance in this delicate area where our expertise and experience are second to none.
About two-thirds of expatriates with private health insurance are covered by a corporate plan arranged by their employer.
More than ever, companies provide health insurance for their employees as part of an overall package, thereby achieving improved recruitment and retention of key personnel, higher individual performance and increased loyalty.
Call us today to get the right health insurance for your employees worldwide
Indeed, with increasing costs in private medical treatment abroad, quality medical insurance for expatriates is an absolute necessity. The public health systems of most countries provide only basic services and do not offer a free choice of doctors and hospitals. Private medical treatment abroad can be very expensive and appropriate insurance cover is usually available only by choosing an international health plan.
Customised health plans for groups
If you are insuring more than 10 employees, you can benefit from considerable premium reductions. If you are insuring more than 30 employees, you have the additional option of putting together your own package of benefits, selecting from a wide range of specific items which you can include in the group scheme. We will be pleased to provide advice and quotations regarding customised health insurance plans for groups.
The right health insurance policy ensures that all expenses are paid in case your company's employees become ill or have an accident - anytime, anywhere.
Worldwide cover
In most countries the cover offered by local health insurers is limited to residents of that country. If employees move abroad, their health insurance policy will not as a rule be continued. They are left with a choice of finding another local insurer in their new country of residence or of turning to an international health insurer. While good local health insurance is available in many countries, it may be difficult to obtain truly global cover which includes an unrestricted choice of doctors and hospitals worldwide. Although an international insurance policy which provides such cover independently of the place of residence or duration of stay in any particular country is naturally more expensive, it is often well worth the extra cost.
Why use the services of Swiss Insurance Partners?
Because there is a large and diverse range of insurance products available worldwide, you need specialists who constantly monitor conditions, pricing and availability. To ensure that you gain the maximum benefit, it is important to fine-tune the various possibilities to your personal requirements. Swiss Insurance Partners have the expertise and experience to advise you in choosing the international insurance products which are best suited to your individual needs.
By arranging your group insurance through Swiss Insurance Partners, you pay no more in premiums than going directly to the insurance company. But you save time and money because you benefit from comprehensive advisory and support services. Not only can you be sure to select the insurance which suits your company's needs, you also benefit from our on- going assistance and advice. Swiss Insurance Partners offers more health plans from more insurers than any other
broker worldwide.
We are independent of any particular insurer and therefore represent only our client's interests. Through our expertise and experience we are able to provide you with the information and advice you need to make Your Choice for Life. SM
Last updated 29 April 2002 - SIP Swiss Insurance Partners, the SIP logo and Your Choice for Life
are trademarks or registered trademarks. Copyright 2001 by SIP Swiss Insurance Partners. All rights reserved
Disclaimer and Important Legal Information
Webmaster
Results from search: http://www.state.il.us/ins/HealthInsurance/Ind_Maj_Med_Ins.htm
Individual Major Medical Insurance - Illinois Dept of Insurance
Illinois Insurance Facts
Individual Major Medical Insurance
Revised March 2002
If you cannot obtain health insurance through an
employer or another group, you may want to consider buying an individual health
insurance policy. This Fact Sheet provides information about one type of
individual health insurance known as Major Medical Health
Insurance.
Individual Major Medical Insurance
Individual Major Medical coverage is an insurance policy
issued directly to an individual. It provides coverage for hospitalizations,
physician visits, medical services and supplies, and may cover other items such
as prescription drugs. Individual major medical coverage usually
provides less extensive benefits than a group policy and is generally more
expensive.
Assessing Your Needs for Individual Major Medical Insurance
You do not need individual major medical coverage if
you are covered through a group plan with your employer. Generally, persons who
need individual policies are self-employed and not eligible for group coverage,
unemployed persons, those whose benefits have been exhausted under a state or
federal health insurance continuation plan, or employees of companies that offer
no medical benefits. When purchasing individual major medical coverage,
your aim should be to insure yourself and your family against the most serious
and financially disastrous losses that can result from an illness or accident.
Look for a policy that will cover the major expenses and provide the highest
possible lifetime maximum. You can save money on the premiums, if necessary, by
taking large deductibles and paying smaller costs
out-of-pocket.
Shopping For Individual Major Medical Insurance
If you have access to a computer, an Internet search
can lead you to websites that allow you to obtain quotes from several companies.
Just be sure the insurance company is licensed to do business in Illinois before
you buy the coverage. For more personal service, a local insurance agent can
provide information on coverage available in your area. In some geographical
locations, HMOs offer coverage to individuals and families who do not qualify
for group policies.
The Illinois Department of
Insurance can tell you: whether or not a company is licensed; the number of
complaints filed against specific companies; and the A.M. Best rating for a
company if one is available. For help with those questions, contact the
Department’s Office of Consumer Health Insurance toll-free at
1-877-527-9431.
Applying For An Individual Major Medical Insurance Policy
Most companies will require you to complete an
application and provide personal information, including your medical history.
If your application is incomplete or inaccurate, the company may deny benefits
at claim time and rescind your coverage. It is important that you disclose
all conditions and answer all questions completely to assure you have coverage
when it is time to submit a
claim.
Companies frequently request medical
records and may require you to take a physical exam or have blood tests. If you
have serious or chronic health conditions, you may be charged a higher premium for coverage or you may be unable to find individual health
insurance in the standard market.
If You Can't Qualify For An Individual Health Insurance Policy
If you have applied for individual health insurance
and have been declined due to existing health conditions, you may be able to
obtain coverage through the Illinois Comprehensive Health Insurance Plan
(ICHIP). ICHIP is also available for individuals who are close to exhausting
their continuation rights under a group insurance plan. If this is your
situation, you should apply to the ICHIP prior to the end of your coverage to
assure continuity of coverage.
For more information, call ICHIP toll free at 866-851-2751 or visit its web
site:
www.chip.state.il.us/chip.htm
The Cost of Individual Major Medical Insurance
Many factors contribute to the construction of
health insurance premiums, including: the health of those individuals seeking to
become insured; the age and sex of the adult applicants; the geographic location
of the residence of the applicants; the desired deductible and coinsurance
levels; and the availability of any managed care options such as incentives for
the use of PPO providers. Each year the premium on individual policies will
increase due to age. Rates may be increased more often than annually, however.
These increases are based on such factors as the attained age of the insured
adults, the percentage of medical cost increases in the previous year, claim
experience for all policyholders covered under the same type of individual
policy in the state and certain other demographic factors.
Tips on Buying Individual Health Insurance
Finding an Agent - Look in the yellow pages
or ask people you know and respect if they would recommend their agent. Find an
agent who is reliable and helpful in answering any questions you have regarding
your policy. You can check the licensing status and any Department of Insurance
regulatory action against a producer on our website
(www.state.il.us/ins/producerinfo.htm) or by calling toll-free
1-877-527-9431.
Shop Carefully
- Health insurance is expensive, so
comparison shopping is worth the time it takes. Obtain more than one estimate
or quote. Do not be rushed into buying a policy by high-pressure sales tactics.
Do not be misled by advertising or buy a policy simply because it is endorsed on
television, radio, in newspapers or other advertisements by famous people.
Fill Out Your Application Completely and
Accurately - If you do not give correct and complete answers to medical
questions, your claims may be denied or your policy rescinded. If someone else
fills out the application for you, read it carefully before signing it. When
you sign an application, you are agreeing that it is correct and complete.
Look for Exclusions and Pre-Existing
Condition Language - Most health insurance policies contain a pre-existing
condition benefit limitation. A pre-existing condition is a health condition
you already have when you buy a policy. It may include a condition you have
recovered from. Any condition, whether or not revealed on the application, for
which symptoms existed prior to the effective date of coverage, causing an
ordinarily prudent person to seek diagnosis, care or treatment, or one in which
medical advice or treatment was recommended by or received from a physician may
also be considered a pre-existing condition. One of the main reasons for claim
denials or delayed payments is pre-existing condition exclusions in the policy.
Even if health questions are not asked on the application, the policy may not
cover conditions you already have. Make sure you understand the definition of
pre-existing condition and how long such conditions will not be covered. Read
the limitation and exclusion provisions of your policy very carefully.
Replacing a Policy - Replacing an old
policy with a new one may not be a good idea. As stated above, a new policy may
have waiting periods and pre-existing condition exclusions that could leave you
without coverage for a period of time. The company may also attach riders to a
new policy that completely exclude coverage for an existing health condition.
Know If and When a Company Can Refuse to
Renew Your Policy - Read the renewal provision that is usually found on the
first page of the policy.
Make Sure There is
a "Free Look" Provision - Companies issuing individual health
insurance in Illinois are required to give you a minimum period of ten days to
review the policy and return it if you are not satisfied for any reason. The
ten days begin the day you receive the policy either in the mail or by delivery
from an agent. If during the ten-day period, you decide not to retain the
policy, return it to the agent and obtain a
receipt, or
return it to the company by certified mail. Once the ten days have passed, the
company is not required to refund the premium. Some companies, however, will
take extenuating circumstances into consideration, so it is worth the effort to
explain any unusual delay in returning the policy for a
refund.
How to Pay Policy Premiums - It
is best to pay by check, money order, or bank draft made
directly to the insurance company . If you
pay in cash, obtain a receipt for the payment. Keep in mind that when you pay
an annual or semi-annual premium, the company considers the premium to be fully
earned when they receive it and seldom will they refund any portion of the
prepaid premium if you decide to change companies and drop the current
policy.
If a Problem Occurs - Contact your agent or
company first. If you do not receive a satisfactory response, contact the
Illinois Department of Insurance.
For More Information
Call our Consumer Services Section at (312) 814-2427 or
our Office of Consumer Health Insurance toll free at
(877) 527-9431 or visit us on our website at
www.state.il.us/ins
Related Topics:
Frequently Asked Questions
- Individual Accident and Health
Insurance
Beware of Fraudulent Insurance
Companies
Finding a Reputable Insurance Company - Using
Financial Rating Agencies
Facts About HIPAA - Preexisting
Conditions
Comprehensive Health Insurance
Program (CHIP)
Consumer Complaint Ratios
I Want to File a Complaint
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March 20, 2002
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State of Illinois
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