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Home > Global Insurance Companies > Integra Health insurance > Integra Global yourLife and yourFamily

Integra Global yourLife and yourFamily

integra global

Comprehensive Plans for Individuals and Families

integra globalThe comprehensive international insurance plan yourLife from Integra Global offers a full range of benefits, wherever you happen to be. The yourLife plan is fully portable everywhere within your chosen region. For example, if you have purchased a plan in the UAE and opted for the Worldwide coverage region, your plan will cover you in every country around the globe, so there is no need to worry while traveling outside of your home country. The yourLife plan doesn't just cover you in an emergency. It also includes many everyday benefits, 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 Integra yourFamily plan 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. The plan offers generous maternity and newborn care benefits after subscribers have been with the plan for 12 months. The plan also offers 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 any additional children are free (there may be a small surcharge for 8 or more children). 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 comprehensive international insurance plan yourLife from Integra Global offers a full range of benefits, wherever you happen to be. The yourLife plan is fully portable everywhere within your chosen region. For example, if you have purchased a plan in the UAE and opted for the Worldwide coverage region, your plan will cover you in every country around the globe, so there is no need to worry while traveling outside of your home country. The yourLife plan doesn't just cover you in an emergency. It also includes many everyday benefits, 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 Integra yourFamily plan 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. The plan offers generous maternity and newborn care benefits after subscribers have been with the plan for 12 months. The plan also offers 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 any additional children are free (there may be a small surcharge for 8 or more children). 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.

Integra yourLife and yourFamily Highlights

Fully Portable

Your Integra plan covers you everywhere within the region you choose (Worldwide or Worldwide Excluding USA/Canada), so you and your family can stay fully protected and seek care when and where you need it.

Comprehensive Cover

Integra Global provides its members with the comprehensive medical benefits that they need now and coverage they might need later.

24/7 Emergency Medical Assistance and Evacuation

Integra Global is ready to provide emergency medical and evacuation assistance to its members no matter what the problem is.

Expatriate Assistance

Integra plans include assistance with adapting to the culture in your new home, workplace issues, as well as other challenges that arise for expats transitioning to a new home.

Interested in learning more about yourLife or yourFamily?

Request a free quote today and our insurance specialists will help you.

Get a Free Quote

Integra yourLife and yourFamily Benefits

Integra yourLife and yourFamily plans offer comprehensive cover for expatriates that will give you peace of mind no matter where you are in the world. Benefits include preventive care, outpatient and inpatient coverage, mental health care, vision coverage and emergency evacuation and ambulance services. The yourFamily plan also includes an extensive suite of maternity benefits for expats.

yourLife and yourFamily Schedule of Benefits (Worldwide)

Plan Limits
Maximum Lifetime Plan Benefit $2,500,000 $2,500,000
Annual Maximum Plan Benefit $1,500,000 $1,500,000
Deductible Options $200, $500, $1,000, $5,000
Out of Pocket Max. $1,000 $3,000
Hospitalization Benefits
Accommodation Semi-private room Semi-private room
Inpatient and Day-Patient Treatment 100%
(90% US/Canada)
100%
(90% US/Canada)
Intensive Care Unit 100%
(90% US/Canada)
100%
(90% US/Canada)
Inpatient Ancillary Services 100%
(90% US/Canada)
100%
(90% US/Canada)
Surgeons’ and Anesthetists’ Fees 100%
(90% US/Canada)
100%
(90% US/Canada)
Inpatient Consultation by Specialist 100%
(90% US/Canada)
100%
(90% US/Canada)
Emergency room 100%
(90% US/Canada)
100%
(90% US/Canada)
Pathology, Radiology, and Diagnostic Tests 100%
(90% US/Canada)
100%
(90% US/Canada)
MRI, CT and PET Scans 100%
(90% US/Canada)
100%
(90% US/Canada)
Private Duty Nursing
(Lifetime maximum)
$7,500 $7,500
Skilled Nursing Facility
(Lifetime maximum)
$7,500 $7,500
Home Health Care
(Lifetime maximum)
$7,500 $7,500
Hospice Care Services
(Lifetime maximum)
$10,000 $10,000
Emergency Dental Treatment
(As a Result of Accident)
100%
(90% US/Canada)
100%
(90% US/Canada)
Cancer Treatment 100%
(90% US/Canada)
100%
(90% US/Canada)
Child Accompaniment N/A N/A
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.
Outpatient Benefits
Surgery as Outpatient 100%
(90% US/Canada)
100%
(90% US/Canada)
Physician Office Visits and Specialist Fees 90% 90%
Diagnostic and Therapeutic Services
(As Outpatient, per Visit)
90% 90%
Physical Therapy
(As Outpatient, per Visit)
90%
$75

Policy Year Maximum: 30 visits
90%
$75

Policy Year Maximum: 30 visits
Ocupational Therapy
(As Outpatient, per Visit)
90%
$75

Policy Year Maximum: 30 visits
90%
$75

Policy Year Maximum: 30 visits
Chiropractic Services
Policy Year Maximum for Chiropractic Services
Referral letter required from medical physician.
90%
$750
90%
$750
Complementary Medicine
Including TCM, bone-setting, acupuncture,
herbal medicine, homeopathy and osteopathy.
90%
$500
90%
$500
Prescription Program
In US
(No Deductible Applies)
90% generic
80% brand
90% generic
80% brand
All Other Countries
(Deductible Applies)
90% 90%
Dental
Routine Dental N/A N/A
Diagnostic and Preventive Dental N/A N/A
Dental Plan Option Available Yes, see dental options. Yes, see dental options.
Maternity and Newborn Cover
Pregnancy, Normal Delivery N/A 90%
$10,000
Complicated Pregnancy and Cesarean Section
(Non-Elective)
N/A 90%
$12,000
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 $25,000
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.
Wellness and Routine Services
Adults
Per Policy Year $500 $500
Routine Physical Exams 90% 90%
Pap Smear 90% 90%
Mammograms 90% 90%
Prostate Cancer Screening 90% 90%
Immunizations and Vaccinations 90% 90%
Children
Per Policy Year
(Birth to 12 Months)
N/A $300
Per Policy Year
(13 Months and Over)
N/A $200
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
Vision Care 100% 100%
Max. per 24-Month Period
Six month waiting period.
$300 $300
Emergency Evacuation, Repatriation and Ambulance Services
Medical Evacuation and Assistance 100% 100%
24/7 Emergency Medical Assistance Yes Yes
Repatriation of Mortal Remains 100% 100%
Family Emergency Travel N/A N/A
Repatriation Accompaniment N/A 100%
Repatriation Family Accompaniment N/A N/A
Mental Health
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 yourLife and yourFamily Worldwide brochure with the full schedule of benefits.

Click here to view the yourLife and yourFamily China and Singapore brochure with the full schedule of benefits.

Click here to view the yourLife and yourFamily UAE brochure with the full schedule of benefits.

Optional Benefits

Dental Plan
Individual Deductible $50 N/A
Family Deductible N/A $150
Class I Expenses
No deductible applies;
Diagnostic - general preventive.
100% 100%
Class II Expenses
Restorative (basic); endodontics; periodontics;
prosthodontics - removable (maintenance);
fixed bridge (installation); oral surgery
80% 80%
Class III Expenses
Restorative (major); endodontics;
prosthodontics - removable (installation);
fixed bridge (installation)
50% 50%
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)
$1,500 $1,500
Orthodontic Lifetime Max. $1,500 $1,500
Accidental Death and Dismemberment
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 yourLife or yourFamily?

Request a free quote today and our insurance specialists will help you.

Get a Free Quote

How Much Do Integra yourLife and yourFamily Plans Cost?

Integra 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.

Integra yourLife and yourFamily Eligibility

In order to become a new member of Integra yourLife or yourFamily:

  • 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 yourLife or yourFamily?

Request a free quote today and our insurance specialists will help you.

Get a Free Quote

Integra yourLife and yourFamily FAQs

Does Integra yourLife offer maternity coverage?

If you would like maternity coverage, then sign up for the Integra yourFamily plan, which includes maternity coverage. After 12 months of coverage through the yourFamily plan you will be eligible for maternity coverage.

Who is the underwriter for yourLife and yourFamily?

These policies are underwritten by MGEN (Mutuelle Générale de l’Education Nationale).

I am visiting the USA. For how long will yourLife or yourFamily cover me?

If you opt for Worldwide Including US and Canada, then your plan will cover you for 180 days inside the US or its territories.

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