A health plan your staff deserve
Integra Global health plans offer a comprehensive range of benefits (see our schedule of benefits). From a complete range of in-patient care to out-patient services including prescription drugs health plans from Integra Global are comprehensive in scope to fit the needs of your staff now and into the future.
All of our plans offer the same high level of benefits. The difference is in the region of cover and deductible.
Choice of Deductibles
a. $100 b. $200 c. $500 d. $1,000 e.$5,000 (other deductibles upon request are available)
Deductible Explained
A deductible is actually very easy to understand. If you chose the $200 deductible, then the first $200 of the calendar year of covered medical expenses is met by you. Thereafter, all covered medical expenses are paid out according to our schedule of benefits, i.e., usually at 90% or 100%. Each member on the policy has a deductible. That's all there is to it.
Family Deductible
A family deductible is actually not a deductible at all. It is a limit on how many deductibles you need to meet in the same family. Our group policies typically have a limit of two deductibles per covered family members. If 2 covered members in the same family have met their deductible, the third family member's deductible is waived.
Region of Cover
We offer two choices of geographical cover:
- Worldwide including access to US and Canada medical care
- Worldwide but excluding access to US and Canada medical care
Plans can be designed to have two classes of members, one class with access to US medical care and the other class not having access to US medical care. This technique reduces premium by restricting geographical cover for those who would not normally need it, i.e., non US or Canadian expat staff and those expat staff not usually travelling to North America.
Other than the geographical distinctions mentionded above, the plan does not limit where you receive your medical care.
Quality Cover
What makes our plans special? We like to think it is the quality range of benefits and our caring service.
All our plans for instance cover chronic conditions. Furthermore, you won't find any specific limits on physician office visits or prescription drugs. No one wants to develop a serious chronic medical condition but if you do, you want your health cover to be there for you.
But it is not only chronic conditions cover that sets ourselves from the pack. All our plans include maternity cover, medical evacuation, prescription drugs and a full range of in-patient and out-patient services. Rounding it all off we offer sensational wellness benefits.