FREQUENTLY ASKED QUESTIONS
I have received an email saying that Integra Global has been sold, why has this change happened?
This change has come about due to a commercial transaction under which HealthCare International Europe GmbH has purchased the policy book of Integra Global Health Deutschland GmbH and taken on responsibility for administering your policy.
Will I still receive communications from Integra Global?
You will notice that the Integra brand remains in use by us, as such future communications from us will continue to be branded Integra Global certainly for the foreseeable future.
How does this effect my health cover?
There is no impact whatsoever, your plan continues with the same great benefits that you have right now, all that is changing is the company that is administering the policy and owning the brand.
Has the insurance company behind this policy changed?
No, not at all, MGEN (Mutuelle Générale de l'Education Nationale) will remain the insurer on this policy, HealthCare International Europe GmbH already has a relationship with the insurer which makes this a completely seamless process.
How do I make a claim?
You can use the same details as you have right now, the claims management process will remain the same as it is today.
Does my renewal process change as a result of this change?
No, not at all. The process will the same as it is now. We will write to you at your point of renewal in normal practice.
Do I need to take any action right now?
No, there is no action to take – this policy will be transferred with no impact to you.
What should I do if I have any questions?
Any questions should be directed to Ian Wood, CEO of the HealthCare group of companies.
Who are HealthCare International?
HealthCare International Europe GmbH is an insurance intermediary, looking after the needs of ex-patriates around the world. Our group has many years of experience in the International Private Medical Insurance market, having been established in 2004. HealthCare International Europe GmbH is an independent insurance intermediary and is registered with the Dortmund Chamber of Industry and Commerce under registration no. D-IVZX-JTLRH-97 in the insurance intermediary register in accordance with § 34 d para.1 Gewerbeordnung.
How will my data be protected?
What hospitals and doctors can I use with an Integra Global plan?
With our plans you are free to choose any hospital or doctor you want. We work with all hospitals, doctors, clinics, and laboratories as long as they are properly licensed and qualified to treat the condition. We treat all hospitals the same and work with all of them worldwide.
Do you have a network of medical facilities that work with Integra Global?
We provide our members a Direct Billing Network in a number of countries. Access is arranged via our third party administrators, Medical Administrators International, subject to prior approval and they will issue a Guarantee of Payment to the provider.
What happens if I get suddenly hospitalised and am saddled with a large hospital bill?
We arrange direct settlement and guarantee of payments to nearly all hospitals in all corners of the globe. And that is our prefered method of handling any hospitalisation. Even if it takes someone personally delivering cash to a far flung hospital in the outback we can, in extreme circumstances, do that too.
After submitting a claim, how long does it take to get reimbursed?
After submitting a claim, reimbursements can be expected within five to seven days through a bank transfer.
How do I enrol in an Integra Global plan?
Applying for cover just got a lot easier. Our streamlined enrolment only asks a maximum of 6 medical questions. And we let you know immediately if you qualify for instant medical approval. In many circumstances we can get you covered and your policy documents delivered to you the same day. And even if your responses require further medical underwriting our streamlined processes make this a breeze.
How do you treat pre-existing conditions?
If you qualify for cover, pre-existing conditions are covered as any other medical condition. We do not exclude pre-existing conditions. However, if you are required to fill out an enrolment form as a pre-condition for cover pre-existing conditions must be declared.
What is a deductible, co-pay and out of pocket limit?
Deductible – this is the amount that you are required to pay before your benefits kick in. The deductible is applicable to the annual year of your policy, not to each claim, so once its paid that’s all for the rest of the policy year.
**Note: some of our cover is actually exempt from the deductible (such as Wellness and Vision Care Benefits), giving you even more value for your money.
Co-pay – after the Deductible is met we will pay the percentage level specified in the Schedule of Benefits. Most benefits are covered at 100%. Our plans cover a few benefits at 90%, with the member covering the remaining 10%. The 10% the member covers is called the co-pay.
Out of Pocket Maximum – the Out-of-Pocket Maximum improves your benefits by limiting the portion of co-pay you would have to pay in any policy year.The insured member has the peace of mind that his covered total medical expenses after the annual deductible will never exceed $1,000 individual/$3,000 family in any plan year.
What is a Family Deductible?
The family deductible is a shared deductible. This means that instead of every family member having to satisfy an individual deductible your family has to satisfy just one deductible as a whole. The Family deductible enables your entire family quicker access to their benefits.
When do I need a pre-authorisation?
All hospital stays (inpatient), outpatient surgery, medical transportation (except for local emergency transportation) or any medical procedure over $500 must be pre-authorised.
Do I have to use a provider within the Direct Billing Networks?
The Direct Billing Network is provided to you for your convenience but you are not restricted to use the in-network providers only. You can choose any recognised healthcare provider who is not part of the Direct Billing Network, and pay for the treatment initially yourself, then submit a claim to us for reimbursement of the eligible charges.
Please note that when going outside the PPO Network in the United States (out-of-network) your benefits are different than when utilising the PPO Network (in-network).
Does Integra Global provide worldwide coverage?
We offer two geographic cover options:
- Cover 1: Worldwide coverage including the US and Canada
- Cover 2: Worldwide coverage excluding the US and Canada
Because medical costs are higher in the United States and Canada we offer two geographic coverage options so that members who do not need coverage in the US and Canada do not have to pay extra for it.
Can I buy a policy for less than a year?
All of the Integra Global policies are annual policies. Having said this, we do offer annual, semi-annual and quarterly payment methods.
How do I get a quote?
Please select the Quote button in the navigation. Our online quotes are on your screen in an instant. And you can compare the different benefits of the plans immediately. You can even enrol online from your quote results page.
When does my insurance policy start?
Your policy can start as quickly as the same day as long as you have paid your premium. We then send your policy documents and you can download these through the handy yourHealth App nearly instantly.
Is there a waiting period on Maternity Benefits?
Yes, there is a 12 month waiting period for Maternity Benefits on our plans with Maternity. Maternity benefits include prenatal care, normal delivery or Caesarean section, complications of pregnancy, routine nursery (as any other treatment including room and board), physician charges and circumcision for males prior to discharge up to the limit specified in the Schedule of Benefits.
For Group Plans with Maternity Benefits, an optional waiver of Maternity Benefits waiting period can be arranged for a surcharge.
Who do I contact in case I have any questions?
We are reachable via telephone or email. Or through our online chat function. You can even arrange an appointment where we call you back at a pre-arranged time.
I am a digital nomad, why do you need my country of assignment for my International health insurance if I am moving countries regularly?
We are only able to offer global medical insurance to people who spend majority of their time outside of their home country.
We therefore require you to provide your main country of assignment. If you are moving country regularly you can give us the country you are travelling to first or the country where you intend to stay the longest within your insured period.
Your plan will cover you worldwide depending on the region you have chosen (including or excluding the USA and Canada). Please contact us if you need to change your cover region.
If you are a digital nomad and require International Health Insurance please call us we are happy to answer any questions you have about your travels and the comprehensive medical cover we can provide for you.
If I buy cover now will I be covered for Covid-19?
Yes, we do not have any restrictions on pandemic diseases or outbreaks. You will be covered as a member with us from receipt of payment. We will provide benefits and coverage as per all the terms and conditions of the policy you have chosen.
Do you pay for a Covid vaccination
Yes, we cover for Covid vaccinations in countries where the state does not pick up the cost of the vaccination.
Is there a flexible payment structure?
Yes, you can pay in quarterly, semi annual or annual payments because we understand people need flexible payment approaches in these times.