Comprehensive Plans for Individuals and Families
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.
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
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Request a free quote today and our insurance specialists will help you.
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)
| 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 |
| 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. | ||
| 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. |
| 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. | |||
| 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 | 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 | N/A | N/A |
| Repatriation Accompaniment | N/A | 100% |
| Repatriation Family Accompaniment | N/A | N/A |
| 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
| 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 |
| 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.
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.
Integra yourLife and yourFamily FAQs
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.
These policies are underwritten by MGEN (Mutuelle Générale de l’Education Nationale).
If you opt for Worldwide Including US and Canada, then your plan will cover you for 180 days inside the US or its territories.
