Question: I have recently moved to the States with My husband, we were in New Zealand for 3 years for a special school for my son. I have now been diagnosed with Cancer of the Tonge and we do not have insurance here in the U.S as of yet. Is there an expatriat NHS plan or some kind of subsidy that we can look in it. I fully appreciate the NHS view but we paid for years our NHS with out using it. We do not have the money here for the surgery and the pap scan. ANy information or help would be greatly appreciated. Thank you Camilla Paul Answer: The international health insurance plans that we offer will provide comprehensive cover for expatriates located anywhere in the world. We provide plans from all the worlds’ major international health insurance companies and can usually tailor plans to meet you exact coverage options by offering benefits such as maternity, out-patient, dental, and emergency evacuation cover. The plans that we can offer are perfect for British citizens living in the USA and will afford you with the comprehensive coverage that you deserve. The NHS service offered in the United Kingdom is a government run healthcare service that enables British nationals to receive low cost healthcare. We work with a number of companies that can provide coverage of a higher standard that that offered by the NHS with the additional benefit of the plans being globally portable. In regards to your unfortunate diagnosis, it will be classed as a pre-existing condition. Pre-existing conditions are defined as any medical illness or injury that has been diagnosed or manifested symptoms prior to the policyholder’s enrollment in an international health insurance policy. Insurance companies will usually deal with pre-existing conditions in one of four ways, the most common of which are with an exclusion or waiting period. If the insurance company excludes the condition then you will not be able to make a claim for any treatment related to the cancer or any illnesses that occur as a consequence of the cancer. In the event of a waiting period (also called a moratorium), if no treatment is sought, medication prescribed, or symptoms are displayed, after a period of usually 24 months the insurance company may consider the condition for coverage. The other two ways that insurance companies deal with pre-existing conditions are with premium loading and medical history disregarded. If there is the option of premium loading, the insurer will raise the cost of the plan to help cover the costs of the condition. It is important to note that premium loading is not available for every condition and that the condition being covered will affect the amount that the premium is raised by. Medical history disregarded is usually only available to groups of 20 or more people, and the insurer will provide coverage for all the groups pre-existing conditions. It is possible to provide international health insurance plans to British expatriates in the USA. If you would like to know more about the coverage possibilities for your condition please contact one of our expert advisers who will be able to assist you with finding the right plan. |
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