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1. Yes, it is subject to deductible. However, deductible is annual (once a year). Therefore, outpatient benefit is still useful. 2. You can't really add the family members (there is no advantage in doing that.) You can buy a new one at /expatriate-health-insurance/ Say, someone goes to doctor (outpatient) 20 times during the year, total per visit is USD 60. Does it mean he can claim the USD 1200 less USD 1000 deductible? Does he need to submit the bill everytime he visits the doctor (even it is only USD 60), or can he accumulates and once it is over USD 1000, submit all documents at once to the insurer? Does the limit including medical prescribed by the doctor? It is really confusing. I need to understand before buying one for myself. Thank you. In that case, the person would get $200 ($1200-$1000). You should submit the bills as and when you use the insurance. Prescription drugs coverage is separate. Please let me know if you have any other questions.

As long as you choose the coverage as 'Worldwide', you will be covered everywhere in the world as long as stay for less than 6 months in US. You can buy it online at /expatriate-health-insurance/ A few more questions. 1) Maybe I am reading it wrong but it seems that after three years of coverage the lifetime maximum benefit drops by 50% to 2.5 from 5 million. Is that true? 2) It says that Applicants must be outside the US or Canada at the time of application. We left Panama to the US April 7th , entered Canada July 6th and will be here until until Mid October then back in the US until January 8th before going back to our home in Panama. Does this then preclude us from setting this up until we return to Panama ? Our current policy expires October 31 and we were hoping to start even earlier 3) We have one addition (our Nanny) to our family medical coverages that we would like to start right away but are considering allowing our current policy with William K Russell lapse rather than change it half way. Can this be done while keeping the advantages of the group deductibles when application is made at once? 4) Despite your assurances that we are covered if we are less than 6 months in the US, when I read the policy information it says “In addition, the insured person(s) must reside outside the United States and Canada at least 6 months during any given 12 month period to meet the eligibility requirements of an insured person(s). if the insured Person(s) resides in the United States and Canada longer than 6 months during any 12 month period their coverage shall immediately terminate. If you combine the time we spend in Canada and the US it is more than 6 months and the policy reads is a little ambiguous so I want to be absolutely certain we are buying appropriate coverage for our circumstances Sincerely What is the country of citizenship for each person you would like to insure? We all hold Canadian passports and usually use the Canadian passport when traveling but my children and wife have several. My wife was born in Brazil and I was born in Canada but both children were born in Panama which is why it is the way it is. We have taken advantage of all the countries laws to maximize flexibility for our children. My Nanny is Colombian. We are all resident in Panama since 2004 1) wife - Canadian, Brazilian, 2) daughter - Canadian, Brazilian, Panamanian, 3) Son - Canadian, Brazilian Panamanian, 4) Nanny - Colombian Based on the information you provided, I would suggest you ignore the plan 'Reside Prime' and consider other ones such as 'Citizen Secure' or 'Global Medical Insurance', available at /expatriate-health-insurance/ That is because 1. Coverage does not go down after 3 years. 2 & 4. They are only concerned about the time spent in US and not Canada. For non U.S. citizens, even within the US, there is no restriction of spending less than 6 months in the US. As long as you are not eligible for domestic plan, you can continue these plans. To further answer your questions, 3. Nanny can't be included in the same application. You can do one application for yourself, wife and children and another for your nanny. There won't be any difference in premiums anyway. Please feel free to contact us at any time if you have any other questions.

Please look at Global Medical Insurance at /global-medical-insurance/ That would meet your requirements. Thanks for getting back to me. Can you please confirm that the Global Medical Insurance Gold Option (Worldwide) will cover myself and family for the following before I purchase. Minimum Required Levels of Cover: (while participant is working and travelling in Canada/USA) ¨ The participant is insured from the date of entry into Canada or the US right up to and including date of departure. ¨ Medical Expenses: €2.5 million (EURO) ¨ Personal Accident: €38,000 (EURO) ¨ Repatriation and Medical Evacuation is adequate and provided for the insured within the above Medical Expenses limit. Thanks again, Yes, it meets those requirements. I was attempting to place the insurance policy via the website but I see the maximum length of coverage is 12 months. I require a 19 month cover for the period 09/22/08 to 03/30/10. Can you please tell me how I can go about putting this policy in place and how much it would cost based on the info below? Also can I make policy payments on a monthly basis trather than making one outright payment? If possible can you email through a quotation. You can only buy maximum 12 months at a time and then you can renew it. Yes, you can make monthly payment. The price depends upon your age and the deductible you choose. Please visit /global-medical-insurance/international-medical-insurance/ and put your age etc. information and it will show you various prices. e.g., with $500 deductible, it will cost $280.20/month for all 3 of you. Please let me know if you have any other questions. Thanks again for your reply - if I have any further questions I will be in touch. If I was to make monthly payments what way can I do this? is it by direct debit? Thanks, It is automatically on your credit card. While applying, just select monthly payment.

Prescription drugs are covered just like any other medical expenses. Patriot America is a short term medical insurance plan, ranging from $50,000 to $1,000,000 Global Medical Insurance Gold is a long term annually renewable major medical insurance with $5,000,000 policy maximum. Eventually, this plan provides a limited coverage for maternity or pre-existing conditions that Patriot America never provides. You can purchase either of them online at https://www.buyimginsurance.com If you have any other questions, please feel free to contact us at any time.

Thank you for your interest in purchasing Global Medical Insurance for your family. 1. Deductible is per person. GMI Platinum: Maximum 2 deductibles/family GMI Gold and Silver: Maximum 3 deductibles/family 2. That means if you take $500 deductible and you go to the providers within First Health PPO in United States, you only have to pay $250. Doesn't matter outside the US. 3 & 4. There are two options available: Worldwide and Worldwide excluding US/Canada. Therefore, if you take worldwide, it will cover everywhere in the world. If you take worldwide excluding US/Canada, it would cover anywhere outside US/Canada. You can get instant quotes, compare the plans side by side and make an instant purchase online at /expatriate-health-insurance/ Please let me know if you have any other questions.

The repatriation benefit sends the body to the airport nearest the principal residence. If they have a place in mind where they would like the body to go I would suggest they list that as their principal residence. On a similar note, they have to select somewhere as principal residence and provide us with a mailing address. “Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest to the Principal Residence of the deceased Member� If they purchase the sports rider they do not have exclusions for sports with the exception of professional sports. If they do not purchase the rider the following exclusion is in place: “Injury sustained while taking part in the following activities: a. Amateur Athletics or professional sports or athletic activities, except this does not include Amateur sports or athletic activities which are non-contact and engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes unless such sports or activities are otherwise excluded by this provision; and b. mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher; and c. aviation (except when traveling solely as a passenger in a commercial aircraft); and d. hang gliding, sky diving, parachuting or bungee jumping; and e. snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); and f. racing by any animal or motorized vehicle; and g. spelunking; and h. subaqua pursuits involving underwater breathing apparatus unless PADI/NAUI certified, accompanied by a certified instructor, and at depths of less than 10 meters; and i. jet skiing; and j. any other sport or athletic activity which is undertaken for thrill seeking and exposes the Member to abnormal or extraordinary risk of Injury.�