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Question: I am a WorleyParsons employee residing in Libya and would like to have health insurance for myself and my family(seven people altogether). Do you have coverage in Libya and if so what information you need to provide me with a quote?
Answer:
Pacific Prime can provide international medical insurance
plans to expatriates around the world, including individuals, families, and
groups located in Libya. For areas of the world which are currently
experiencing high levels of conflict (including war and terrorism activities)
we can offer specially created War and Terrorism Health Insurance plans to give
you the extra protection you need.
Historically many global medical insurance plans would
exclude acts of war and terrorism from coverage under the policy, mainly due to
the wide scope of acts which may be potentially undertaken, or which the
policyholder may find themselves involved in while overseas. Pacific Prime can
offer plans which will cover these acts, giving you the assurance that while
you are in a location with a high threat level, that you will be medically
protected in the event of a severe injury.
War and Terrorism Health Insurance plans which we work with
will typically provide an in-patient coverage benefit as a standard component
of the policy. This type of coverage will protect you in the event that you
need medical treatment requiring hospitalization (and overnight stay in a
medical facility). In addition to this, the plans we work with will often allow
you to choose from a range of extended coverage benefits, including protection
for:
·Out-patient treatment
·Dental Treatment
·Maternity Treatment
·Vaccinations
·Alternative therapies and complementary medicine
·Emergency Evacuations.
In addition to the wide range of coverage options available
under these types of policies, we also have the ability to provide flexible
customization options for families. Family health insurance plans which provide
War and Terrorism coverage will typically include protection for issues like
chronic conditions, and preventative medicine. Additionally, it may be
possible, in some cases, to include coverage for certain pre-existing
conditions which would normally be excluded from the policy. However, coverage
of pre-existing conditions will depend on the insurance company you choose to
work with, and is not available from all providers. Click here for more
information.
Libya health insurance plans for expatriates will have the
policy premium calculated based on the age of the policyholder and the plan’s
geographical area of coverage.The
reason that the intended geographical area of coverage is so important when
calculating a premium is due to the fact that medical costs in some countries
are much higher than in others. This is the reason why many international
health insurance plans will offer a choice between two areas of coverage. These
are:
·Worldwide
·Worldwide excluding the USA
This is because the medical costs in the USA are the highest
in the world, and by electing to not have coverage in America you can
significantly reduce your overall plan premium. Additionally, we are able to
provide you with a range of deductible and co-pay options which can also help
to lower the policy premium depending on what you choose to contribute towards
the cost of your healthcare.
If you would like to receive a free quote for the available
Libya health insurance options available from Pacific Prime, simply complete
the short form at the top of this page.
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