Yes, the plans we offer provide global coverage, allowing insured members to choose any provider worldwide. For the United States, some plans operate under a defined network of approved hospitals.
Hospitalization, surgeries, outpatient care, major diagnostic tests, and prescription medications are standard benefits on most comprehensive plans. Maternity and certain preventive services are included depending on the deductible selected at the time of application.
Many plans offer U.S. access—sometimes with preferred provider networks. Using in-network providers generally means smoother authorizations and stronger benefits.
It depends on underwriting. Declared and accepted conditions may be covered per your policy terms; undeclared conditions are typically excluded. We’ll review your options before you apply.
No, the policy does not end due to age. Coverage is guaranteed for life as long as the policy is renewed each year. Your benefits also remain the same— they do not decrease or change based on age. All insured members with the same plan receive the same benefits, regardless of how old they are.
Premiums can adjust yearly due to medical inflation, exchange rates, and plan-wide claims experience, not just your own usage.
You’ll choose a deductible per insured, per policy year. Some plans also allow different deductibles inside vs. outside the U.S. (e.g., lower outside, higher inside) to help manage premiums.
Some plans include annual wellness exams, screenings, and vaccines (by age and guideline). Availability and limits vary—ask us to check your plan’s table of benefits.
Dental services are covered only in the case of an accident, and vision services are covered only when related to an illness of the eye.
Air and ground ambulance are commonly covered in a qualifying emergency to the nearest suitable facility, subject to pre-approval and policy limits.
Yes, for certain services (hospitalizations, major diagnostics, air ambulance, special therapies, some surgeries). Pre-authorization helps confirm eligibility and avoid out-of-network penalties.
If direct billing isn’t available, you submit an itemized invoice, proof of payment, and medical reports. Claims have submission deadlines—keep receipts and send promptly. We’ll guide you step-by-step.
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