ALARMING FACTS

A deeper insight into the personal living conditions of Westerners living abroad as Expatriates reveals the worrying fact that, although the locally available supply often appears satisfactory, a large number of “Expats” obviously lack appropriate healthcare insurance cover. The policy of their traditional insurance might have ended when they left the homeland, and, in case of the advanced age of retirees, the premiums of the healthcare plans available abroad don’t cope with the budget of the disposable pension.

Who, by the mere reason of economy, refrains from healthcare insurance cover, should be aware of the fact that, in case of an emergency (sudden illness, accident), immediate medical attendance shall only be provided when the funds to clear the expected invoices are available and their payment previously guaranteed. Your „friends“ may well renounce to commit themselves for the medical expenses, and a surgical treatment (bypass, transplant) eats up the savings, originally intended to ensure a worthy autumn of life. The rescue squad of a private operator shall refuse to take any action when you are unconscious and lying in the ditch, if they don’t find any insurance card in your wallet…

STRICTLY TAILORED TO THE NEEDS OF THE EXPATS

„Emergency plus“ is the cost-effective basic Plan of HealthCare International, cleverly tailored exactly to the essential needs of Expatriates. All of the eventually dispensable benefits (i.e. alternative treatment, psychiatrist) are not covered, and outpatient expenses (which are still low-priced in many countries and generally easily affordable) are excluded as well. Furthermore, a deductible of USD 2'000 applies – per insured event.

The sum of the aforementioned restrictions allows the Insurance to significantly cut their expenses. Administration is relieved from the time-consuming examination, tedious form filling and refunds of the every day’s countless bagatelle claims. There are no refunds for fees of the proliferating number of questionable feel-good-therapies. And the high deductible prevents the insurance from refunds of medical consultations for minor diseases and injuries. Due to these substantial economies in cost, HealthCare International sees itself in the enviable position to assure, in case of an emergency, full coverage despite modest premiums: 100% of the cost for healthcare treatment up to USD 500'000 (annual maximum); Life-saving organ transplants up to USD 100'000 (lifetime maximum)); chronic disease up to USD 20'000 (including AIDS, lifetime maximum); worldwide emergency medical evacuation and repatriation (100% of costs), free choice of the hospital worldwide (restrictions apply for USA). Membership has to be applied before the age of 75. The Policy shall be subject to renewal for lifetime, provided there have been consistent previous renewals and payments of the premiums. Claims do not entail an increase of the premium or the denial of renewal of the Policy. The monthly Premium for the „Emergency plus“ Plan, for an first applicant person of 60 – 65 years of age, amounts to USD 79 only (for a first applicant in the span of 71 – 75 years of age USD 233).

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