Frequently Asked Questions
Find answers to common questions about our insurance services
Serving clients internationally with customized insurance solutions
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Health Insurance Questions
We offer a variety of medicare insurance plans including individual plans, family plans, senior plans, and international coverage options. Our plans range from basic coverage to comprehensive packages that include dental, vision, and prescription drug coverage.
Available in multiple countries
Yes, we offer international medicare insurance plans that provide coverage worldwide. Our global network includes hospitals and healthcare providers in over 180 countries. Emergency coverage is typically included in all our international plans, while comprehensive plans offer full medical coverage abroad.
You can file a claim through our online portal, mobile app, or by contacting our customer service team. For international claims, we have a dedicated multilingual support team available 24/7 to assist you. Most network providers will file claims directly on your behalf.
Coverage for pre-existing conditions varies by plan and country regulations. Many of our plans offer coverage for pre-existing conditions after a waiting period. We recommend discussing your specific situation with our insurance advisors to find the best solution for your needs.
Final Expense Insurance Questions
Final expense insurance is designed to cover end-of-life costs such as funeral expenses, medical bills, and other debts. It's ideal for seniors and individuals who want to ensure their loved ones aren't burdened with these costs. This type of insurance is particularly valuable for those with limited savings or who want to specify their final arrangements.
Yes, we offer final expense insurance to non-residents in many countries. The availability and specific terms may vary based on your country of residence and citizenship. Our international specialists can help you navigate the requirements for your specific situation.
Available for non-residents in eligible countries
Benefits can be paid via international wire transfer, check, or through our network of local partners in many countries. We have processes in place to ensure timely payment regardless of where your beneficiaries reside. Multilingual support is available to assist with the claims process.
Some plans have a waiting period (typically 2 years) before full benefits are available, though accidental death is covered immediately from the policy start date. We also offer guaranteed acceptance plans with no waiting period, though these may have higher premiums or lower initial benefits.
International Coverage Questions
We offer insurance products in over 30 countries across North America, Europe, Asia, and Latin America. Our largest markets include the United States, Canada, United Kingdom, Australia, and several European Union countries. Coverage availability varies by product type and local regulations.
Serving clients in 30+ countries worldwide
Premiums are typically billed in your local currency or USD/EUR, depending on your country of residence. Benefits are paid in the currency specified in your policy. We use secure exchange rate services to ensure fair conversion rates. For clients with concerns about currency fluctuation, we offer options to lock in exchange rates for premium payments.
Our customer service team supports multiple languages including English, Spanish, French, Mandarin, and Arabic. Policy documents are available in the primary language of your country, and we offer translation services for important communications. Our website can be translated into multiple languages for your convenience.
Insurance availability depends on your country of residence and legal status in that country. Some products may have citizenship requirements, while others are available to legal residents. We recommend speaking with our international advisors who can guide you based on your specific circumstances and needs.
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Our international team of insurance experts is ready to help you find the right coverage for your needs.