Benefit Area 1 – Europe

You have the opportunity to select the cover area that best reflects your geographic area of need.

Benefit Area 2 – Worldwide Limited

Excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan

Benefit Area 3 – Worldwide

Provides full cover, but premiums reflect the cost of care in different parts of the world.


Untie yourself from the Japanese National Health System

Japanese National Health System – What you can get away with!

Japanese National Health System – What you can get away with! The Japanese National Health System pays 70% of your hospital bill only in Japan. It costs 8% of your income and the premium includes your National Pension contribution. The National Pension scheme requires 25 years of contributions to qualify, and if you leave Japan

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Japanese National Health Insurance flag

Japanese National Health Insurance – Compulsory?

Is Japanese National Health Insurance compulsory? The quick answer is – well like everything in Japan there is no quick answer. The Japanese authorities will do everything they can to get you into their scheme because they have an ever growing problem with obligations to a healthy non income producing aged society of pensioners. The

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It could save your life, Do you have MedEvac?

Medical Evacuation (MedEvac) and Insurance Policies MedEvac basics, be sure that you are covered. So what is MedEvac? Exactly as it sounds Evacuation brought on by Medical reasons, either serious injury or life threatening illness. The  transportation of the patient to a capable medical facility. How is MedEvac conducted? The expedient solution for short distances

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insurance or not trainwreck

Health Insurance contra Calypso

(This article is in response to an opinion about health insurance for Cruisers on the sailingcalypso website.) Health Insurance for Cruisers Contra Calypso Subtitle: You don’t need Health Insurance if you’re Lucky! Let me disclose right from the start that I am a Canadian cruiser and have been in the international health insurance business for

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Covered but not! Check your health insurance!

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When the time comes are you properly covered! Okay you have international health insurance, ask yourself this, when the time comes are you covered properly? Easter this year I organised an Easter egg hunt for the children, we drew a map that covered all the important hiding spots in the yard, had some other parents

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insurance deductible, insurance excess

Health Insurance Deductible

Health Insurance Deductible A Health Insurance Deductible is the amount you must pay first before the policy starts reimbursing your expenses. The higher the deductible, the cheaper the health insurance premium enabling you to save money. There are two forms… The Annual Health Insurance Deductible: This structure is an annual amount which your claim expenses

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