International Health Plans

Transcription

1 International Health Plans We are with you

2 Plan Highlights Guaranteed Renewability Worldwide Coverage Including the U.S. Five deductibles to choose from Maternity Benefits, deductible waived Organ Transplants and Complications of Pregnancy included Independent Remote Second Medical Opinion and patient concierge services Deductible forgiveness with 3 years of no claims history Travel Assistance coverage Waiver of premium payments due to death of Primary Insured Optional Disability Income Benefit Available About Us Premier Health Why Premier Health? Service Providers Benefits Comparison

3 About Us THE COMPANY Premier Assurance Group (PA) was founded by two former General Electric executives with a heart for people and a passion for helping others in preparing for the future and life s most important events. Continuing the long legacy of providing worldwide health coverage since 1965, Worldwide Expatriate Association (WEA) started with a pioneering spirit, clear vision, and commitment to meeting the health insurance needs of Americans living abroad. Today, subsequent to its acquisition by the PA Group in 2006, WEA s vision has evolved into the Premier Health products of the PA Group. With innovative products and strong financial backing by Lloyd s of London, the mission of meeting the health insurance needs of Americans living abroad now encompasses global citizens in Latin America, Europe, Asia, and the Middle East. From protecting our clients health with worldwide coverage to helping them achieve a successful financial future, PA Group creates financial security roadmaps for life s most significant events. For over 18 years, PA Group has guided and protected our international clients with comprehensive health and wealth accumulation solutions. Accomplishments: An Investment Solutions Company has evolved into a Life, Health, and Investments company PA Group Expatriate health expertise has been leveraged to now cover global citizens in over 195 countries through the PA Group Accident and Health Division PA Group becomes its own Insurance Company and obtains Premier Assurance Group Segregated Portfolio Company SPC, Ltd (PA Group SPC) a Cayman Island registered Insurance Company wholly owned subsidiary of PA Group The Company has clients in more than 195 Countries that range from worldwide medical coverage to investment and retirement solutions Premier Assurance Group has gained the distinction of becoming a Lloyd s of London Coverholder Premier Health Plan, reinsured by Lloyd s of London, is launched to the market with great success Premier Health introduces its International Disability Income plan option PA Group provides its clients access to renowned Worldwide Networks such as Aetna and AXA 3

4 Premier Health Premier Health is an International Healthcare Plan, exclusively developed to provide comprehensive protection worldwide. This plan is tailored to non- US residents in need of International Coverage including the United States. Premier Health Plan offers three comprehensive Plan Options to choose from: UltraCare, Optima, and Secure. All three options provide our insured the ability to obtain medical treatment worldwide. Key benefits included in all three plan options are as follow: Maternity benefits are available as an inclusive benefit Coverage for two years for eligible family members upon the death of the Primary Insured Repatriation of mortal remains/ashes or coverage for local burial in lieu of Repatriation Company behind your Plan Premier Assurance Group SPC, Ltd (PA Group SPC) is reinsured by Lloyd s of London with more than 325 years of tradition in the Global Insurance Market. Our Reinsurer ratings are the following: A+ Standard & Poor s: A+ (Strong) AA- Fitch Ratings: AA-(Very Strong) A AM Best: A (Excellent) 4

5 Why Premier Health? Premier Assurance group has been a pioneer in offering international healthcare coverage to global citizens since 1996 and now proudly offers the all new Premier Health Plans. Premier Health distinguishes itself from other plans by providing its clients with: Simplicity, most important coverages available without having to purchase additional riders. Coverage in-country of Residence and Worldwide Access to thousands of medical facilities in over 195 countries through the most recognized provider networks available. Customer Service 24/7/365 Online claims submission Flexible Underwriting Reinsurer strength & recognition Policy Portability that covers you everywhere you go Advantages of Premier Health Lifetime Guaranteed Renewability Deductible waived for Emergency room and surgical procedures when these are performed In-country (Certain Countries are excluded) Travel Assistance (Covered without a deductible) Waiver of premium upon death of the primary Insured for eligible family members under the policy Independent Remote Second Medical Opinion Patient concierge services and navigation to Top Doctors and Top Hospitals in the U.S. RX Savings Plus Prescription Discount card Repatriation of mortal remains/ashes or coverage for local burial in lieu of repatriation Online Claims Submission and monitoring the progress of your claim Deductible forgiveness with 3 years of no claims history Disability Income Option available 5

6 Service Providers Premier Health plans give you access to the most recognized network. UnitedHealthcare s nationwide network includes 768,471 physicians and health care professionals, 80,000 dentists and 5,675 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people. ASSISTANCE In addition to Aetna, Premier Health plans grant access to AXA which provide a U.S. Network with over 600,000 medical/ancillary providers. An International network with access to over 40,000 doctors and medical facilities in 200 countries. The international network includes Hospitals with prestigious Joint Commission International accreditation and physicians with western medical school diplomas and Fellowship board certifications. AXA s service is provided by 24/7 Global response centers in 34 countries. Circle Care Patient Navigator is a unique service included in your policy. When needed, Circle Care will help you identify several options of the Top Doctors & Top Hospitals in U.S.A that could treat your specific medical condition. In addition they will also assist you in scheduling your medical appointments for you at the earliest convenience. Circle Care Remote Second Medical Opinion is a unique service included in your policy. This service is intended for patients that have a serious, complex or chronic disease. This service provides patients with a confirmation on their current treatment / diagnosis or suggests the need for a different treatment or even point out an incorrect diagnosis. Circle Care - RxSavingsPlus is a drug/prescription discount card included in your policy that lowers the price on your prescription medications in U.S.A. It can be used at CVS pharmacy, Target, Rite Aid and in over 60,000 participating pharmacies nationwide. Simply show the card along with your prescription at a participating pharmacy to save an average of 22 % on most prescriptions. 6

7 UltraCare Optima Secure Some plans and or deductibles are not available in all zones. Please see Note 3. Benefits Comparison Area of Coverage Worldwide Worldwide Worldwide Currency USD USD USD Annual Major Medical Limits per Insured $5,000,000 per year $3,000,000 per year $1,000,000 per year Deductible Options All in USD - In Country/ Worldwide : (1,000/2,000) (2,000/3,000) (5,000/5,000) (10,000/10,000) (20,000/20,000) Subject to applicable deductible Subject to applicable deductible Subject to applicable deductible Eligibility Age Inpatient Care Private Room & Board Intensive Care Inpatient Rehabilitation *Inpatient Psychiatric Inpatient Physician & Ancillary Svcs Maternity Benefit */**/*** Normal Delivery/Elective C-Section up to $10,000 up to $7,000 up to $5,000 Complications of Pregnancy Newborn Cover up to $1,000,000 up to $500,000 up to $300,000 up to $150,000 up to $125,000 up to $100,000 Outpatient Care Physician/Specialist up to 40 Visits up to 30 Visits Diagnostics (Labs, X-Ray, CT Scan, MRI) up to $10,000 Combined Max Oncology/ Cancer Treatment Outpatient Physical, Occupational, Speech Rehabilitation Therapy up to 80 Visits All Combined up to 70 Visits All Combined *Organ Transplant (Up to 3 Organs) $1,000,000 Lifetime per Organ $500,000 Lifetime per Organ $250,000 Lifetime per Organ Hereditary & Congenital Conditions up to $1,000,000 Lifetime $500,000 Lifetime (Diagnosed before 18) $1,000,000 Lifetime (Diagnosed after 18) $300,000 Lifetime (Diagnosed before 18) $500,000 Lifetime (Diagnosed after 18) Prescription Medication up to $8,500 up to $6,000 up to $3,000 *Bariatric Surgery up to $30,000 Lifetime up to $15,000 Lifetime up to $10,000 Lifetime *Outpatient Psychiatric Visits up to $100 max, 40 Visits up to $95 max, 30 Visits Not Covered Home Healthcare up to $7,000 up to 30 days Reconstructive Surgery Chiropractic Services up to $80 max, 40 Visits up to $75 max, 20 Visits Not Covered *Wellness (Deductible Waived) up to $1,000 up to $750 up to $500 Additional Benefits Emergency Medical Evacuation up to $150,000 per Event up to $100,000 per Event up to $25,000 per Event Repatriation of Mortal Remains up to $50,000 Lifetime up to $20,000 Lifetime up to $10,000 Lifetime Second Medical Opinion / Patient Navigation Yes Yes Yes Guaranteed Renewability Travel Assistance Waiver of Premium Death of Insured Eliminated Deductible Yes Yes Yes up to $10,000 per Event up to $10,000 per Event up to $10,000 per Event 2 years of Premium Waived 2 years of Premium Waived 2 years of Premium Waived after 3 years after 3 years after 3 years Disability Optional Rider $500,000 max $300,000 max $200,000 max * Waiting Periods Apply ** Deductible waived for plan options $1000, $2000, $5000. *** No Maternity benefits for chosen deductibles of $10,000, $20,000 NOTE 1: All Benefits are subject to Usual and Customary Reasonable (UCR). NOTE 2: The benefits, coverage, and exclusions, listed herein are only a summary and are subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility, and exclusions. Please refer to your Policy Wording for specific terms, conditions and other details concerning your benefits, limitations, eligibility, and exclusions. NOTE 3: Secure plan is not available in Zone 1 (Brazil). UltraCare and Optima deductibles of $1000/$2000 is not available in Zone 1 (Brazil). NOTE 4: Benefits in United States out of network providers are payable at 70%.

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