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International Health Insurance

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International Health Insurance

by rankin » Tue Sep 20, 2011 5:51 pm

Even though I have paid premiums for many years with few claims, my International Medical Group (IMG) annual premium for Global Medical Insurance increased 41% for the coming year. I am therefore looking for an alternative. I found a policy called Reside Blue Marine Medical Coverage on line that may be a candidate. I believe it is offered and administered by Seven Corners (formerly know as Specialty Risk International) in Indiana. Would anyone care to share any experiences with that policy/company or recommend another policy for a U.S. citizen who spends most of his time sailing outside of the U.S.?
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Re: International Health Insurance

by martys » Tue Sep 20, 2011 6:30 pm

If you have any family members that have been or are in the military you may be eligible to sign up for USAA insurance. My wife has started looking at it and it seems very reasonable.
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Re: International Health Insurance

by rankin » Wed Sep 21, 2011 10:55 am

Thank you for the suggestion Martys. I am a USAA member and took your advice to check on line with USAA. I followed the links for U.S. citizens living out of the country for at least 6 mos a year and ended up at a site for IMG, which is the same carrier I currently have. Interstingly, the premium they would charge for a better policy is half what they want for my renewal. I have seen this before and I can only guess it is a loss leader to get new customers into their system. When I have questioned them previously about this, they have made some reference to the experience rate of the "group" that bought policies when I did. Of course, if I changed policies I would probably lose any coverage for pre-existing conditions that might be covered under my existing policy (which might be their objective), but I don't think that will be a problem in my case. I filled out an application for a new policy but when I got to the submittal page, they wanted a credit card number before they would tell me if my application was acceptable or whether any conditions were required, so I have not submitted the application. I think I will first check with Seven Corners about their Reside Blue Marine policy or perhaps someone can recommend something else. I don't mean to get political, but it sure seems like the process could use some clarity (sanity?) such as in the TriCare system for the military.
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Re: International Health Insurance

by Spiv » Wed Oct 05, 2011 5:06 pm

Hello everyone,
my wife and I are Australian and have just started living aboard.
As we are currently in the Mediterranean, our usual health insurance would not cover us and have suspended it.

I have been looking for a health insurance that would cover both medical and dental as well as perhaps death cover in Europe to begin with and include USA in a couple of years as we get there.

Can anyone share their experience with world wide insurance covers?
Any help would be greatly appreciated.

Keep smiling
Stefano
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Re: International Health Insurance

by Louis Riel » Sat Oct 08, 2011 6:35 pm

I'd steer clear of Travel Underwriters, Worldwide Mediclaim. I had a claim with them, and they refused to pay, because I didn't have a credit card for them to put my expenses on, and force me to go to court to get a settlement. I've since met others who have had problems with them.
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Re: International Health Insurance

by Daisy11 » Tue Dec 27, 2011 1:47 pm

Hey thanks for the info. This was one of the main reasons I joined the forum.
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Re: International Medical Group

by Shawbrownshaw » Mon Mar 12, 2012 5:15 pm

rankin wrote:Even though I have paid premiums for many years with few claims, my International Medical Group (IMG) annual premium for Global Medical Insurance increased 41% for the coming year. I am therefore looking for an alternative. I found a policy called Reside Blue Marine Medical Coverage on line that may be a candidate. I believe it is offered and administered by Seven Corners (formerly know as Specialty Risk International) in Indiana. Would anyone care to share any experiences with that policy/company or recommend another policy for a U.S. citizen who spends most of his time sailing outside of the U.S.?


Like everyone else heading off cruising for the first time we are looking at our heath care options. A new topic for us after 23 years in the Military ...

Any recent feedback on International Medical Group ? We are only looking for protection from catastrophic events outside of the US. With a large deducible and free for the children, the premiums are not as painfully as high as the others.

We will get travel insurance to cover our brief transit of the US.
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Re: International Health Insurance

by Scott Berg » Mon Mar 12, 2012 6:45 pm

This probably sounds like a broken record but for ALL insurance questions I'd first turn to SSCA member, sponsor, CLOD (and mench) Al Golden of IMIS. He's a cruiser who founded an insurance agency because of exactly the problems we keep running into (both at sea and on this forum!).

Scott
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Re: International Health Insurance

by Shawbrownshaw » Mon Mar 12, 2012 7:15 pm

Scott Berg wrote:This probably sounds like a broken record but for ALL insurance questions I'd first turn to SSCA member, sponsor, CLOD (and mench) Al Golden of IMIS. He's a cruiser who founded an insurance agency because of exactly the problems we keep running into (both at sea and on this forum!).

Scott


Thanks - it actually is offered through IMIS ...
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Re: International Health Insurance

by Al Golden » Tue Mar 13, 2012 9:25 am

There are actually several companies that provide that coverage, HOWEVER you need to be aware that anytime that you switch from one policy to another you re-start the period of time during which pre-existing conditions are NOT COVERED!
Al Golden
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Re: International Health Insurance

by Paul L » Tue Mar 13, 2012 11:19 am

And even after the waiting period is expired the pre-existing condition is only partially covered and probably not to level that is effective for USA medicine. From the IMIS site on IMG health insurance exclusions:
provide a $50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5,000 per period of coverage after coverage has been in effect for 24 continuous months.

And these conditions must be disclosed before you get insurance, or no coverage. A pre-existing condition includes anything that you consulted a medical provider on or should have consulted one. There's even more exclusions, if you get breast or prostate cancer within the first 6 months of the policy, it is excluded from coverage. Even though you've already dropped your previous insurance in good faith.

The pre-existing condition exclusion clauses on these policies seem way too favorable for the insuarnce company and would make me feel uneasy about whether they would cover something latter or just claim the pre-existing card.

The country needs medical care reform in a bad way.
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Re: International Health Insurance

by OliviaG » Thu Apr 05, 2012 2:04 pm

In regards to pre-existing conditions, what is the average waiting period? Are there some that will not cover your pre-existing conditions or do most have a waiting period? I know I'm thinking about doing some boating in the Caribbean and was wondering about options.
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Re: International Health Insurance

by Paul L » Fri Apr 06, 2012 10:23 am

OliviaG wrote:In regards to pre-existing conditions, what is the average waiting period? Are there some that will not cover your pre-existing conditions or do most have a waiting period? I know I'm thinking about doing some boating in the Caribbean and was wondering about options.

Every policy is different. You will just have to read them to see what is covered. What I quoted above is from the IMG policy on pre-existing conditions. It is not just that they have a waiting period, it is that even after the waiting period they cap the maximum lifetime benefit for the condition to a number that is just insufficient for US medical care.
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Re: International Health Insurance

by kbronaboat » Fri Apr 13, 2012 3:27 pm

My husband and I are currently living aboard in Portland Maine and are prepping the boat to start a long-term cuise in a few years. We know that our biggest expense when we do this is going to be health insurance.

While we haven't really started looking into this yet I did recently write down the name of two insurance companies that I read about in Outside magazine. Travel Guard Insurance and Global Rescue. However, I am not if this is just travel insurance with health care coverage included or if they offer any long term policies.

I plan on looking into them further but thought I would throw them out there for consideration.
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Re: International Health Insurance

by kbronaboat » Fri Apr 13, 2012 3:48 pm

After I sent my post I decided to look up Travel Guard Insurance and Global Rescue AND THEY ARE NOT at all helpful to the topic at hand which is health insurance. Sorry!!

Global Rescue is interesting though. They recommend you get your own international health insurance but their policies provide evacuation and medical assistance. For example if you are injured or become ill in some far flung corner of the Pacific Ocean and need urgent medical care they would arrange your transport to the nearest and best facility to help with your medical care. Your travels bring you to areas prone to natural disasters such as earthquakes they offer security policies that will arrange your evacuation as needed. This is also true in matters of civil unrest.

They have a paramedic on hand 24 / 7 and access to doctors and specialist who can help while you are trying to get to care or to clarify that the care you are getting abroad seems appropriate.

this might be helpful if you or crew sustain an injury with no help but a satellite phone.

Again this info doesn't help with the internation health insurance question but if you have worries about where to go to get medical care or how to get there it might be worth a look.
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