Premium Plans for Individuals and Families
The Integra PremierLife and PremierFamily international medical insurance plans are designed for individual expats and expat families seeking enhanced coverage and access to the world's best healthcare providers.
Integra's PremierLife plan has more benefits and even more comprehensive coverage than Integra yourLife. Individuals who decide to purchase the PremierLife plan will receive exclusive benefits, such as wellness and vision and advanced health screening, as well as membership in Integra's Our Best Possible Outcome program and Blood Care program.
The Integra Global PremierFamily plan has the same core elements as the PremierLife plan, but with additional benefits that are particularly useful for families. The plan includes superlative maternity benefits which are especially useful in high-cost maternity areas such as London, Hong Kong, and Singapore. PremierFamily has many more family benefits than the standard yourFamily plan. The plan includes child accompaniment for hospitalization, repatriation accompaniments, family travel, and a higher maximum family deductible. The PremierFamily plan has the same family discount as the yourFamily plan, which comes in handy for larger families.
Integra Global guarantees that the PremierLife and PremierFamily plans allow its members to receive excellent medical care from any coverage region. Overall, the Integra PremierLife and PremierFamily plans are perfect for expatriates seeking comprehensive medical coverage while abroad.
The Integra PremierLife and PremierFamily international medical insurance plans are designed for individual expats and expat families seeking enhanced coverage and access to the world's best healthcare providers.
Integra's PremierLife plan has more benefits and even more comprehensive coverage than Integra yourLife. Individuals who decide to purchase the PremierLife plan will receive exclusive benefits, such as wellness and vision and advanced health screening, as well as membership in Integra's Our Best Possible Outcome program and Blood Care program.
The Integra Global PremierFamily plan has the same core elements as the PremierLife plan, but with additional benefits that are particularly useful for families. The plan includes superlative maternity benefits which are especially useful in high-cost maternity areas such as London, Hong Kong, and Singapore. PremierFamily has many more family benefits than the standard yourFamily plan. The plan includes child accompaniment for hospitalization, repatriation accompaniments, family travel, and a higher maximum family deductible. The PremierFamily plan has the same family discount as the yourFamily plan, which comes in handy for larger families.
Integra Global guarantees that the PremierLife and PremierFamily plans allow its members to receive excellent medical care from any coverage region. Overall, the Integra PremierLife and PremierFamily plans are perfect for expatriates seeking comprehensive medical coverage while abroad.
Integra PremierLife and PremierFamily Highlights
Interested in learning more about PremierLife or PremierFamily?
Request a free quote today and our insurance specialists will help you.
PremierLife and PremierFamily Benefits
PremierLife and PremierFamily plans offer all the benefits of the yourLife and yourFamily plans, plus additional assistance that will give you even more peace of mind. Integra's Our Best Possible Outcome program provides members with access to specialists who will revise diagnoses and treatment plans with physicians in the event you are diagnosed with a critical illness. The Blood Care program provides screened blood in an emergency to members in any part of the world.
PremierLife and PremierFamily Schedule of Benefits
| Maximum Lifetime Plan Benefit | $5,000,000 | $5,000,000 |
| Annual Maximum Plan Benefit | $2,000,000 | $2,000,000 |
| Deductible Options | $0, $100, $200, $500, $1,000, $5,000 | |
| Out of Pocket Max. | $1,000 | $3,000 |
| Accommodation | Private room | Private room |
| Inpatient and Day-Patient Treatment | 100% | 100% |
| Intensive Care Unit | 100% | 100% |
| Inpatient Ancillary Services | 100% | 100% |
| Surgeons’ and Anesthetists’ Fees | 100% | 100% |
| Inpatient Consultation by Specialist | 100% | 100% |
| Emergency room | 100% | 100% |
| Pathology, Radiology, and Diagnostic Tests | 100% | 100% |
| MRI, CT and PET Scans | 100% | 100% |
| Private Duty Nursing (Lifetime maximum) | $15,000 | $15,000 |
| Skilled Nursing Facility (Lifetime maximum) | $15,000 | $15,000 |
| Home Health Care (Lifetime maximum) | $15,000 | $15,000 |
| Hospice Care Services (Lifetime maximum) | $20,000 | $20,000 |
| Emergency Dental Treatment (As a Result of Accident) | 100% | 100% |
| Cancer Treatment | 100% | 100% |
| Child Accompaniment | N/A | 100% |
| If the insured person is a child under 16 who requires hospitalization, we will pay for necessary overnight accommodation for one parent in the same hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary. | ||
| Managed Transplant Program | ||
| Organ Transplants Maximum Lifetime | $500,000 | $500,000 |
| Tissue Transplants (As Part of the Overall Organ Max.) | $250,000 | $250,000 |
| Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. A 24-month waiting period applies for all transplants. | ||
| Surgery as Outpatient | 100% | 100% |
| Physician Office Visits and Specialist Fees | 100% | 100% |
| Diagnostic and Therapeutic Services (As Outpatient, per Visit) | 100% | 100% |
| Physical Therapy (As Outpatient, per Visit) | 100%% $75 Policy Year Maximum: 50 visits | 100% $75 Policy Year Maximum: 50 visits |
| Ocupational Therapy (As Outpatient, per Visit) | 100% $75 Policy Year Maximum: 50 visits | 100% $75 Policy Year Maximum: 50 visits |
| Chiropractic Services Policy Year Maximum for Chiropractic Services Referral letter required from medical physician. | 100% $1,500 | 100% $1,500 |
| Complementary Medicine Including TCM, bone-setting, acupuncture, herbal medicine, homeopathy and osteopathy. | 100% $1,500 | 100% $1,500 |
| Prescription Program | ||
| In US (No Deductible Applies) | 100% generic 90% brand | 100% generic 90% brand |
| All Other Countries (Deductible Applies) | 100% | 100% |
| Dental | ||
| Routine Dental | $1,500 | $1,500 |
| Diagnostic and Preventive Dental | 100% | 100% |
| Dental Plan Option Available | Yes, see dental options. | Yes, see dental options. |
| Pregnancy, Normal Delivery | N/A | 100% $20,000 | |
| Complicated Pregnancy and Cesarean Section (Non-Elective) | N/A | 100% $30,000 | |
| Routine nursery, included under maternity benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. In the case of an elective Cesarean section, which is not medically necessary, benefit will be paid at the cost of a normal delivery, up to the Pregnancy, normal delivery limit. | |||
| Newborn Cover | N/A | $30,000 | |
| Included in newborn cover are premature births, congenital conditions and birth anomalies. Newborn cover is only available for a covered pregnancy. A 12-month waiting period applies for all maternity benefits. | |||
| Adults | ||
| Per Policy Year | $750 | $750 |
| Routine Physical Exams | 100% | 100% |
| Pap Smear | 100% | 100% |
| Mammograms | 100% | 100% |
| Prostate Cancer Screening | 100% | 100% |
| Immunizations and Vaccinations | 100% | 100% |
| Children | ||
| Per Policy Year (Birth to 12 Months) | N/A | $500 |
| Per Policy Year (13 Months and Over) | N/A | $300 |
| Routine Medical Exams, Immunizations, and Vaccinations | N/A | 100% |
| Child Preventive Care | N/A | 100% |
| Hearing Tests | N/A | 100% |
| Six-month waiting period applies to all wellness benefits, but waits are waived for policies that are paid annually. Deductible does not apply to wellness benefits. Overall wellness benefit maximums apply to all routine and wellness benefits for adults and children. | ||
| Vision Care | 100% | 100% |
| Max. per 24-Month Period Six month waiting period. | $300 | $300 |
| Medical Evacuation and Assistance | 100% | 100% |
| 24/7 Emergency Medical Assistance | Yes | Yes |
| Repatriation of Mortal Remains | 100% | 100% |
| Family Emergency Travel | 100% $5,000 | 100% $5,000 |
| Repatriation Accompaniment | 100% $5,000 | 100% $5,000 |
| Repatriation Family Accompaniment | N/A | 100% $3,000 |
| Lifetime Max. (Inpatient and Outpatient) | $25,000 | $25,000 |
| Policy Year Mental Illness, Maximum 15 Visits (Outpatient Treatment) | $2,500 | $2,500 |
| Lifetime Mental Illness, Maximum per Insured (In-Hospital) | 60 days | 60 days |
| Lifetime Maximum for Mental Health Benefits (Outpatient Treatment) | 80 visits | 80 visits |
| Mental health benefits do not count towards out of pocket maximum. | ||
Click here to view the PremierLife and PremierFamily Worldwide brochure with the full schedule of benefits.
Optional Benefits
| Individual Deductible | $50 | N/A |
| Family Deductible | N/A | $150 |
| Class I Expenses No deductible applies; Diagnostic - general preventive. | Included under your Premier medical plan | Included under your Premier medical plan |
| Class II Expenses Restorative (basic); endodontics; periodontics; prosthodontics - removable (maintenance); fixed bridge (installation); oral surgery | 90% | 90% |
| Class III Expenses Restorative (major); endodontics; prosthodontics - removable (installation); fixed bridge (installation) | 60% | 60% |
| Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan. Orthodontic services are only available for children under 18 years of age. | ||
| Policy Year Max. (Per Insured Person) | $3,000 | $3,000 |
| Orthodontic Lifetime Max. | $2,500 | $2,500 |
| In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum beneft equal to the principal sum subject to a maximum beneft multiplied by a percentage as shown below. | ||
| Loss of Life | 100% | 100% |
| Loss of Sight of Both Eyes | 100% | 100% |
| Loss of Both Hands or Arms | 100% | 100% |
| Loss of Both Feet or Both Legs | 100% | 100% |
| Loss of One Arm and One Leg | 100% | 100% |
| Loss of Sight of One Eye | 50% | 50% |
| Loss of One Foot or One Leg | 50% | 50% |
| Loss of One Hand or Arm | 50% | 50% |
Interested in learning more about PremierLife or PremierFamily?
Request a free quote today and our insurance specialists will help you.
How Much Do PremierLife and PremierFamily Plans Cost?
ntegra Global determines its core premium rates based on several factors. These include your age and the place where you will be living. It is also affected by the number of people on your plan. If you plan to cover your entire family, your premium will be higher than if you are only covering yourself.
Subscribers living in the UAE, China, Hong Kong, Singapore and Macau can also affect their premium by choosing one of three direct billing networks or plan tiers available to them. Subscribers in China, Hong Kong, Singapore and Macau can choose from the Platinum, Gold or Silver tier while subscribers in the UAE can choose from the Gold, Silver Premium or Silver Classic networks.
Once these elements of your plan have been decided, there are several other choices you can make to affect your premium cost. Integra Global offers the choice of two cover regions: Worldwide Including the U.S. and Canada or Worldwide Excluding the U.S. and Canada. A plan that includes the U.S. and Canada has a higher cost due to the high cost of care in the United States.
Integra also allows you to set a deductible (also called an excess) for your plan. A deductible is an amount that you pay toward your health care. If your deductible is higher, you will pay more out of pocket but have a lower premium, which can be a good option if you don't think you will use your insurance very often. If you have a low deductible, you will pay a higher premium but won't have to worry about health care costs
Eligibility Requirements for PremierLife and PremierFamily
In order to become a new member of Integra PremierLife or PremierFamily:
- You must be between the ages of 18-68
- Neither you nor your dependents may reach the age of 69 during your coverage period
- You must fill out a medical questionnaire
- You must plan to reside outside of the United States of America or any of its territories
Interested in learning more about PremierLife or PremierFamily?
Request a free quote today and our insurance specialists will help you.
Integra PremierLife and PremierFamily FAQs
Integra Global offers the options of quarterly, semi-annual (every six months) or annual payments on all insurance plans.
For subscribers in the UAE, China and Singapore, the following only applies to medical services received in their area of residence (UAE or China and Singapore).
Subscribers residing in China (including Macau and Hong Kong) and Singapore are offered an elected membership tier. These tiers relate to the level of charges and the standard of accommodation from those providers, but not the standard of care or the level of medical facilities. Outside of China and Singapore, these subscribers are not limited to a specific tier.
Subscribers residing in the UAE are offered the option of three direct billing network options through MedNet: Gold, Silver Premium and Silver Classic. Each network includes over 1000 medical providers.
Residents of the UAE have two options for geographical cover regions: Worldwide excluding the US and its territories or Worldwide including the US and its territories.
All other subscribers have two options for geographical cover regions: Worldwide excluding the US and Canada and their territories or Worldwide including the US and Canada and their territories.
