Integra Global Products Overview
Integra Global is an international insurance company that specializes in specifically creating tailored medical plans for expatriates and their families. They work together with you to ensure your plan fits all of your healthcare needs and offer an extensive list of benefits. Integra Global has four international insurance plans to choose from. They have two plans, yourLife and PremierLife, tailored for individuals moving abroad for work, and two plans, yourFamily and PremierFamily, for expats and their families moving abroad.
Integra Global offers international healthcare plans to expats and their families in three coverage areas around the world, Worldwide (ROW), China/Hong Kong/Singapore (CS), and Salama (UAE). Within each coverage area, you are able to choose if you would like coverage in the US and Canada, or not. Opting for coverage in the US and Canada will increase your premium payment, but you will have access to some of the best doctors and hospitals in the world. The coverage areas China/Hong Kong/Singapore and Salama have different provider network options than Worldwide. The networks in these coverage areas are organized into tier groups of healthcare providers and hospitals. Overall, no matter where you are in the world, your international insurance plan from Integra Global has you covered.
Plans for Individuals
The plan, yourLife, from Integra Global is their standard individual international health plan, which offers many more benefits than you would expect. The yourLife plan is fully portable everywhere within your chosen region. For example, if you are in the China/Hong Kong/Singapore coverage area, your plan will cover you in every country within that region, so there is no need to worry while traveling outside of your home country. Many lifestyle benefits are also included in the yourLife plan, such as routine checkups, mental health appointments, prescription costs, vaccinations, and preventative care. The yourLife plan is perfect for an individual expatriate looking to save money while abroad.
The PremierLife international medical insurance plan was designed for expats seeking enhanced coverage and access to the world's best healthcare providers. Integra's PremierLife plan is a more extensive medical plan than yourLife because of the added benefits and comprehensive coverage. Individuals who decide to purchase the PremierLife plan will receive exclusive benefits, such as, wellness and vision, advanced health screening, Integra's Our Best Possible Outcome program, and their Blood Care program. 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. Integra Global guarantees that the PremierLife plan allows its members to receive excellent medical care from any coverage region. Overall, the PremierLife plan is perfect for an expatriate seeking comprehensive medical coverage while abroad.
Plans for Families
The yourFamily plan from Integra Global is its standard international health plan for families. It has the same core elements and benefits of the yourLife plan, but with a few extra perks. They offer generous maternity and newborn care after the first 12 months of your plan. They also offer wellness and wellbeing care for you and your family, which includes vaccinations and immunizations. The best part of the yourFamily plan from Integra is the family discount. Integra offers a 15% discount for 2 or more members in a family plan. If you have a larger family, your 4th child and thereafter is free. Integra also has a family deductible, which means members of a family only need to satisfy one deductible, rather than satisfying individual deductibles. Overall, the yourFamily plan offers great benefits for families looking to live abroad on a budget.
The Integra Global PremierFamily plan has the same core elements of the PremierLife plan, but with extra, optimal benefits. Integra provides its members of the PremierFamily plan with superlative maternity benefits. These benefits will be 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, repatriations 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.
Plan Benefits for Individuals and Families
When enrolling for a policy with Integra Global, there are some requirements that must be met. First, age limits will restrict eligibility. At the time of your enrollment, you are required to meet the minimum age of 18 years old and/or less than 70 years old. Integra Global will not accept individuals who are younger than 18 or older than 70 years of age. If you are including a spouse in your policy, your spouse must also meet the age requirements. Children must also be less than the age of 70, but they do not need to meet a minimum age. If you are pregnant at the start of your policy, you will not receive maternity coverage. However, you may add a dependant to your policy after the child is born.
Second, Integra Global requires each insured person to complete a medical questionnaire, which will inform them of any pre-existing conditions and any other health information. If you answer yes to any of the medical questions, you must provide details of the date and diagnosis, past/current and known future treatments, and details of the frequency and severity of symptoms, including the date of the last episode. If you are currently receiving treatment for any medical condition, Integra has the ability to refuse coverage because of its pre-existing nature.