International Health Insurance Card

If you're an individual and you're looking to buy health insurance, there are some specific issues you need to think about. First of all, the plans are quite complex and there's a lot to think about. Basically, trying to understand the policy wording on your own would be extremely difficult. Even inside Pacific Prime, we find it challenging sometimes to understand the legal terminology that's being used and we have to seek clarification from the insurers to make sure we fully understand the plans. Based on this, we're then able to give you really high quality advice. As an individual, there are a number of challenges to buying the plan, not just the complexity and understanding the policy wording. As an individual, pre-existing medical conditions are generally not covered, so trying to find an insurer that will is not always easy, but we can help with that. Waiting periods are a challenge, which are not often present with group plans, but on individual plans are normally present. So as an individual, you face a number of challenges to buying the right plan. We're here to help you and guide you through the various options from the 30 or 40 or 50 different insurers that might be suitable for you to make sure you get the right plan. As an individual, there are some good benefits about having your own medical plan. For example, if you work for a corporate and you have a corporate medical plan, should you leave the plan, then basically the cover will stop. The problem with that, of course, is that if you're then suffering from diabetes or pregnant, you leave the corporate plan and you're basically uninsurable. Whereas an individual, if you hold the plan in your own name, it's yours, it's in your name. So whatever your health status, you can always keep the plan in force if you buy a plan that's guaranteed renewable. We are, in fact, the world's largest seller of individual health insurance to expats and high networks. If you want advice and you want help and you want to find the right plan for you and your family, please come and talk to us.