International Medical Expense Insurance

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International Medical Expense Insurance
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• Global medical insurance

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Health Insurance

• Health Insurance was classified into 2 types of
  coverage
• Medical Expense Coverage provides benefit for
  paying the treatment of injuries and illnesses.
• Disability income Coverage provides income
  replacement to an insured who is unable to work.

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Medical Expense Coverage

• was also classified into 2 types
• Basic Medical Expense Coverage offers a
  first-dollar-coverage,provides 3 basic medical
  expenses i.e. hospital ,surgical and physicians
  ,but doesnt cover many types of medical expense.
• Major Medical Expense Coverage

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Major Medical Expense Coverage

• was classified into 2 types as well
• Supplemental major medical provides benefit
  which exceeds a benefit level of basic medical
  plan and is not covered in underlying plan
• Comprehensive major medical combines 2 coverage
  from the underlying basic medical plan and
  supplemental major medical plan

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International Medical Expense Insurance (Global
Medical Insurance)

• is a Health Insurance Plan which provides a
  worldwide comprehensive major medical expense
  coverage.

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• Globalization Era
• Increasing of traveling and living in aboard
• Health will follow us to everywhere
• The variety of living cost in each country
• Government sponsored plan not support foreign
  born people
• Geographical Limitation of original health
  insurance
• International Coverage

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Table show the Foreign-Born Population in U.S.
grouped by Year of Entry and Citizenship Status
done in March 2000 (number in million)
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Table show the Foreign-Born Population in Canada
grouped by Year of Entry
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In Australia
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In Western Europe

• Using the latest date for which statistics are
  available,
• In 1996/97 or thereabouts there were around 19.8
  million foreign nationals resident in Western
  Europe, representing over 5 of the total
  population.While in 1988, the total foreign
  nationals was 14.9 million

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• ???????????????? International Citizen Series
  ????????? Lloyd's of London company ?????
  MultiNational Underwriter, Inc(MNU) ???? plan
  administrator

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3 series types corresponding to the different
needs

• Platinum ???????????????????????????????????????
  ????????????????
• Premier ????????????????????????????????????????
  ?????????? ???????????? U.S. ??? Canada
• Risk Share ?????????????????????????????????????
  ???????????????????????? ?????????????????????????
  ??????? ???????????? U.S. ??? Canada

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• ??????????????????????????????????????????????????
  ???????????.
• ?????????????????????? ???????????????????????????
  ??????????????????? ??????????????????????????????
  ?? (deductible) ???????????? ?????????????????????
  ???? ?????????????????????????????? 3????
  ?????????????????????
• ??????????????????????????????????(coinsurance)
  ?????????? ?? ????????????????????????????????????
  ???????????? ???????????????????????????????
  stop-loss provision (1250deductible)
• ???????????????????????????? ???
  ??????????????????????????????????????????? U.S.
  ??? Canada
• ???????????????????????????????????????????
  ????????????????????????????????

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Hospital Pre-Certification

• before any surgery or treatment needing
  hospitalization
• before any outpatient surgery,CAT scans, MRIs
• before take a home nursing care or an extended
  facilitated care
• before take transplants
• before purchase durable medical equipment
  including artificial limbs
• within 48 hours after an emergency hospital
  admission
• within first 90 days of pregnancy
• Pre-Certification Penalty is 50 of incurred
  expense

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Policy limit and Benefit
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Hospital Room Benefit
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Maternity and Newborn Benefit
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Additional Benefit from Typical Medical Insurance
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Exclusion and Limitation

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  ??????
• ?????????????????? ????????????????????,???????
  ??????????????????? (Substance abuse)
• ?????????????????????????????(exceed URC)
• ???????????????????????? ???????????
  ??????????????(??????????) ????????????
• ????????????????????? ???????????????, ???????
  ?????????????????
• ???????????????????????????????????????????

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Exclusion and Limitation(cont.)

• ??????????????????? ??????????????????????????????
  ????????? ?????????????????????????????
• ??????????? HIV ?????????????????????????????????
  ?
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  ?????????????

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Exclusion and Limitation(cont.)

• ????????????????????????????
• ????????????????? ???????????????????????????
• ?????????????????,?????????? ?????????????????????
  ?????

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Rate-Table Annual Premium for Platinum Plan
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Premium Rate Comparison between 3 types of Plan
(with 1000 deductible)
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