Answering your questions

Frequently Asked Questions

Individuals and families who frequently travel, live, or work in multiple countries should consider international private medical insurance. This ensures access to high-quality healthcare and financial protection in case of unexpected medical emergencies.

International private medical insurance offers coverage for medical treatment and services across multiple countries, while regular health insurance typically covers only domestic healthcare expenses. This global coverage is designed for travelers and expatriates alike.

Coverage for pre-existing conditions varies between insurance providers and specific plans. It is essential to read the policy details and consult with your insurance provider to understand the extent of coverage for pre-existing conditions.

Factors such as age, health status, coverage level, and the geographic area of coverage can impact the cost of international private medical insurance. Individual providers and plans may also have varying premium rates.

Most international private medical insurance plans include emergency medical evacuation coverage. However, it's essential to verify the extent of this coverage within your specific plan and discuss the details with your insurance provider.

Yes, international private medical insurance is available for students studying abroad. These plans ensure that your child has access to quality healthcare while away from home and can be tailored to their specific needs.

Yes, elderly family members can be covered by international private medical insurance. However, premiums may be higher, and coverage limitations may apply based on age or pre-existing conditions.

International private medical insurance plans can accommodate families with different citizenships or residing in various countries. Ensure you provide accurate information during the application process and discuss any concerns with your insurance provider to confirm coverage.

Group plans are designed for organizations and provide coverage for multiple employees, whereas individual plans cater to single policyholders. Group plans often offer discounted rates and more extensive benefits compared to individual plans.

Yes, most insurance providers offer customizable group plans, allowing you to tailor coverage options and benefits according to your organization's specific requirements and employee needs.

Eligibility criteria for part-time or contract employees depend on the specific insurance provider and plan. Consult with your provider to determine coverage options for these types of employees.

Generally, employees can add dependents, such as spouses and children, to the group plan. However, this may vary between providers, so it is essential to confirm dependent coverage options with your chosen insurance company.

Factors such as the number of employees, their ages, coverage levels, and geographic areas of coverage can influence group plan premiums. Each provider may have different pricing structures and discounts for group policies.

Coverage for pre-existing conditions varies between providers and plans. Some group plans may offer Medical History Disregarded (MHD) underwriting, which doesn't impose exclusions for pre-existing conditions.

When an employee leaves the organization, their coverage under the group plan usually ends. They may have the option to convert their group coverage into an individual plan, but this depends on the specific insurance provider's policies.

Employees typically have access to a global network of healthcare providers through their group international medical insurance plan. In most cases, they can contact the insurance provider's assistance team for help finding a suitable healthcare facility.

Optimum Global employs experienced claims handlers who are trained to manage the entire claims process promptly and efficiently. We have advanced systems and processes in place to minimize delays and ensure accurate claims processing.

We follow strict protocols to ensure the confidentiality and security of all personal and medical information that we handle. We are compliant with all relevant data protection regulations and utilize secure, encrypted systems to protect sensitive information.

Yes, we offer tailored IPMI solutions for high-net-worth individuals or groups with specific coverage requirements. Our plans can be customized to provide exceptional protection for even the most complex health insurance needs.

Optimum Global offers coverage for a range of alternative or complementary therapies, such as acupuncture, chiropractic, and osteopathy, depending on the chosen plan.

Optimum Global offers Medical History Disregarded (MHD) underwriting, which provides coverage for pre-existing medical conditions without exclusions.

IPMI plans provide comprehensive coverage for medical treatment outside of the insured's home country, whereas domestic health insurance may not provide coverage for medical treatment abroad or offer limited coverage.

We have a rigorous selection process for healthcare providers that includes criteria such as quality of care, facilities, reputation, and accreditation.

We provide access to a global network of healthcare providers and offer emergency medical evacuation services to ensure that clients receive timely and appropriate medical treatment wherever they are in the world.

Yes, we can provide guidance and assistance with regulatory compliance for multinational corporations to ensure that they remain compliant with all relevant regulations and legislation.

We leverage our extensive experience and industry knowledge to negotiate the most competitive rates and provide value-added benefits to our clients.

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FMU – Full Medical Underwriting

This means we will ask you to answer questions regarding your medical history and after full evaluation confirm if we need to apply any exclusions to your policy.


This type of cover means any pre-existing conditions that you have had symptoms, sought advice or treatment for in the five years before taking up the policy will be excluded from cover until you can remain symptom and treatment free for two years under the policy.
If you take daily medication or require regular check ups for a condition this will never be covered under a moratorium policy.

MHD – Medical History Disregarded

This is only available on corporate schemes with more than 10 employees and means we will not ask for any medical information unless there are ongoing claims of more than $5000.

CPME – Continued Personal Medical Exclusions

This means we will carry across any exclusions from your previous insurance as long as there is no break in cover. We can also carry across any moratorium term already served and honour any wait periods that have already been served


Treatment required when staying overnight in a hospital.


Treatment required in a hospital when an overnight stay is not required.


This is treatment received not in a hospital but in a doctor surgery or for a consultant appointment.


A medical condition which has two or more of the following characteristics:

  • It has no known recognised cure
  • It continues indefinitely
  • It has come back
  • It is permanent
  • Requires palliative treatment
  • Requires long-term monitoring, consultations, check-ups, examinations or tests
  • You need to be rehabilitated or specially trained to cope with it.


An excess is an amount you have to pay towards any claim in a policy year. The excess is per person per annum.


Is a percentage of the claim you have to pay.


This is how we look at a policy and decide the terms we can offer on a policy and the rating required.


This is when the treatment of a client cannot be met in a local facility and Optimum Global confirms that the client will need to be moved to the nearest medical facility that can provide the required treatment. Optimum Global has to authorise and arrange this evacuation.

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