The Benefits of Group Medical Plans with Medical History Disregarded Underwriting
Introduction When it comes to group medical insurance, the underwriting process plays a critical role in determining the extent of coverage provided to employees. One
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Discover the benefits of group insurance, a comprehensive solution designed to protect and support your organisation's most valuable asset—its people.
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Introducing group medical insurance specifically tailored for expatriates, providing essential healthcare coverage for your globally mobile workforce. Our expat-focused plans are designed to cater to the unique needs of individuals living and working abroad, ensuring they have access to the best possible medical care, no matter where their professional journey takes them. By safeguarding your employees' well-being with group medical insurance, you demonstrate a commitment to their health and happiness, fostering a positive work environment that promotes employee retention and satisfaction.
Large corporations have the added opportunity of having bespoke benefits applied to their cover. By partnering with an extensive network of healthcare providers worldwide, we ensure your employees receive top-quality care from reputable professionals. Additionally, our dedicated customer support team is always on hand to assist with any inquiries or concerns, making the insurance process seamless and stress-free. Invest in your team's future with group medical insurance for expats, and cultivate a thriving, productive workforce with the confidence that their health is well-protected.
At our core, we prioritize connecting you to the finest and most extensive network of healthcare professionals and facilities. Our collaboration with leading doctors and hospitals ensures you receive exceptional care at every step of your healthcare journey by granting you access to top-tier healthcare resources worldwide.
We firmly believe that healthcare is personal, and this belief drives us to prioritise each client’s unique health and well-being. Our team of compassionate, attentive, and skilled professionals stands ready to support you every step of the way, ensuring that your personal healthcare experience is always our top priority.
Medical History Disregarded (MHD) underwriting is a key feature that distinguishes it from Full Medical Underwriting (FMU) in the health insurance landscape. The significance of MHD lies in its inclusive approach, as it doesn’t impose exclusions based on pre-existing conditions.
Medical insurance is a crucial employee benefit that plays a significant role in attracting and retaining top talent in today's competitive job market. By offering comprehensive healthcare coverage, employers demonstrate a commitment to their employees' well-being, fostering a supportive work environment that values the health and happiness of its workforce. This investment in employee welfare translates to increased job satisfaction, reduced absenteeism, and improved productivity, as employees are more likely to be engaged and motivated when they feel cared for and secure.
“Protect your business against the cost of sickness absence.”
Long-term sickness absence can have a significant impact on your employees, your business and your bottom line. So it makes sense to have a contingency plan that will protect your finances when employees are unable to work.
With one of our group income protection plans, your employees would be guaranteed a good level of income during their recovery. So rather than worrying about money, they can focus on getting better and back to work as quickly as possible.
“Give your employees and their families one less thing to worry about.”
Group Life & Disability insurance pays out a fixed lump sum to an employee’s family in the event of their death or disability. It’s a great way to show that you care about your staff welfare and has become an essential benefit for international employers looking to recruit, retain and reward better employees.
For a rough estimate of expenses, consider these approximate costs for typical procedures performed privately. This is the anticipated price range for medical care overseas:
Based on our own data from 2021. See our tool to find more about costs of medical claims abroad if you are not insured
Explore our concise FAQ section, designed to address your key concerns about group medical insurance. For further guidance, don't hesitate to contact our expert team or dive into our comprehensive FAQ repository. We're here to help you make an informed decision for your organization's healthcare needs.
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.
Discover the power of our clients' stories through their compelling testimonials, highlighting the benefits and transformative effects of our group medical insurance solutions on their organizations.
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Optimum Global International Insurance Solutions is a trading name of Optimum Global Ltd who are authorised and regulated by the Financial Conduct Authority for Insurance Mediation Activities. Optimum Global's firm reference number is 453654, you can check these details at https://register.fca.org.uk/ or by calling the Financial Conduct Authority on 0800 111 6768. Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.
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