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PremierLife

PremierLife is an exclusive international health plan designed with just you in mind. A PremierLife Health Plan from us gives you the most complete and benefit rich health protection imaginable.

Fully portable

PremierLife is fully portable within your region of cover. Allowing you to stay fully protected and seek care when and where you need it.

Comprehensive cover

Our core protection is second to none precisely because we offer so much protection from the very start.

Exclusive benefits

PremierLife just doesn't give you excellent lifestyle benefits, such as Wellness and Vision. You also have Advanced Health Screening benefits that allow you to take even better care of yourself. And Our Best Possible Outcome Programme and Blood Care Programme give you access to important benefits in critical life threatening circumstances.

24/7 Emergency medical assistance and evacuation

Essential to all of our international health plans is our 24/7 emergency medical assistance hotline and medical evacuation. Because as an expat you never know where you might end up and what help you need.

General exclusions

Some of the main general exclusions for the PremierLife health plan include:

  • Maternity benefits
  • Over-the-counter medications and supplies which do not require a physician prescription
  • Treatments or services that exclusions deem to be experimental or investigational
  • Charges for or related to services, treatments, education testing or training related to learning disabilities or development delays including but not limited to Attention Deficit/Hyperactivity Disorder (ADD/ADHD)
  • Participation in a professional sports or any hazardous sport or activity
  • Dental implants of any type
  • Plastic surgery, reconstructive surgery, cosmetic surgery or other services and supplies which improve, alter or enhance appearance

There is a 24 month waiting period for organ transplants.

Feeling at home while abroad

We always try to make you feel at home wherever you may be. Our plans are set up for your convenience in mind. We offer direct settlement for hospitalisation around the globe. And we have local convenient direct billing networks in many countries for instant cash-less access to out-patient services such as doctor visits, exams, lab fees and prescription drugs. Ask about our direct billing arrangements in your area.

Getting started with a PremierLife health plan

It is easy to enrol into one of our health plans. Just follow the link on the below and enrol online. It's easy, fully secure and just takes a few minutes. You will receive an instant email confirmation once you have completed the form. Or feel free to browse more information online with our plan highlights and Table of Benefits. You can download our brochure or get an instant online quote, all at the touch of a button. And we are always eager to help you out. Get in touch with us at one of the many contact options on this page.

Currency:

Annual Maximum Benefit

$2,000,000£1,250,000€1,500,000

Maximum Lifetime Benefit

$5,000,000£3,000,000€3,750,000
Accomodation
Accomodation
Private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
100%
Intensive care unit
Intensive care unit
100%
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
100%
Surgeons' and anaesthetists' fees
Surgeons' and anaesthetists' fees
100%
Inpatient consultation by specialist
Inpatient consultation by specialist
100%
Emergency room
Emergency room
100%
Pathology, radiology, and diagnostic tests
Pathology, radiology, and diagnostic tests
100%
MRI, CT and PET scans
MRI, CT and PET scans
100%
Private duty nursing (Lifetime maximum)
Private duty nursing (Lifetime maximum)
$15,000 £10,000 €12,500
Skilled nursing facility (Lifetime maximum)
Skilled nursing facility (Lifetime maximum)
$15,000 £10,000 €12,500
Home health care (Lifetime maximum)
Home health care (Lifetime maximum)
$15,000 £10,000 €12,500
Hospice care services (Lifetime maximum)
Hospice care services (Lifetime maximum)
$20,000 £13,000 €15,000
Emergency dental treatment (as a result of accident)
Emergency dental treatment (as a result of accident)
100%
Cancer treatment
Cancer treatment
100%
Child accompaniment
If the Insured Person is a child under 16 who requires Hospitalisation, 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.
Child accompaniment
Managed transplant programme
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.
Managed transplant programme
Organ transplants maximum lifetime
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.
Organ transplants maximum lifetime
$500,000 £300,000 €400,000
Tissue transplants (as part of the overall Organ max.)
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.
Tissue transplants (as part of the overall Organ max.)
$250,000 £150,000 €200,000
Surgery as outpatient
Surgery as outpatient
100%
Physician office visits and specialist fees
Physician office visits and specialist fees
100%
Diagnostic and therapeutic services (as outpatient)
Diagnostic and therapeutic services (as outpatient)
100%
Physical therapy (as outpatient)
Physical therapy (as outpatient)
$75 £50 €60 100%, policy year max 50 visits
Occupational therapy (as outpatient)
Occupational therapy (as outpatient)
$75 £50 €60 100%, policy year max 50 visits
Chiropractic services
Referral letter required from medical physician
Chiropractic services
$1,500 £1,000 €1,250 100%, policy year maximum for chiropractic services
Complementary medicine
Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy
Complementary medicine
$1,500 £1,000 €1,250 100%
Prescription programme
Prescription programme
In US (no deductible applies): 100% generic, 90% brand. All other countries (ded. applies): 100%
Routine dental
Routine dental
$1,500 £1,000 €1,250
Diagnostic and preventive dental
Diagnostic and preventive dental
100%
Dental plan option available
Dental plan option available
✔ See Dental Options
Adults
Adults
$750 £500 €600 per policy year
Routine physical exams in connection with overall health and wellbeing
Routine physical exams in connection with overall health and wellbeing
100%
Pap smear
Pap smear
100%
Mammograms
Ages 35-39 one baseline exam; ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline; Age 50 & over one exam annually; any age whenever prescribed by a physician
Mammograms
100%
Prostate cancer screening
Prostate cancer screening
100%, one test per policy year for males age 50 or over
Immunisations and vaccinations
Immunisations and vaccinations
100%
Children: Maximum per policy year - birth to age 12 months
Children: Maximum per policy year - birth to age 12 months
N/A
Children: Maximum per policy year - 13 months and over
Children: Maximum per policy year - 13 months and over
N/A
Children: Routine medical exams and immunisations and vaccinations
Children: Routine medical exams and immunisations and vaccinations
N/A
Children: Child preventive care services
Children: Child preventive care services
N/A
Children: Hearing tests
Children: Hearing tests
N/A
Maximum per 24 month period
Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. Not subject to deductible.
Maximum per 24 month period
$300 £225 €275 100%
Medical evacuation & assistance
Medical evacuation & assistance
100%
24/7 Emergency medical assistance hotline
24/7 Emergency medical assistance hotline
YES
Repatriation of mortal remains
Repatriation of mortal remains
100%
Family emergency travel
Family emergency travel
$5,000 £3,000 €3,500 100%
Repatriation accompaniment
Repatriation accompaniment
$5,000 £3,000 €3,500 100%
Repatriation family accompaniment
Repatriation family accompaniment
N/A
Security and Natural Disaster
Access to SAND protection provides you with international emergency response in situations such as political unrest and natural disasters, anywhere in the world. Specifically, the protection can help all our members by offering emergency services, including evacuations, contingency planning, remote medical abilities, crisis management and tracking services. Members can contact the service and receive advice and help from the 24/7 operations centre.
Security and Natural Disaster
Access only
Best possible outcome programme
A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.
Best possible outcome programme
YES
Advanced health screening programme
Advanced health screening programme
100%
Ages 40-50 one high level physical examination every three years
Ages 40-50 one high level physical examination every three years
$1,000 £650 €750
Ages 50+ one high level physical examination every three years
Ages 50+ one high level physical examination every three years
$1,500 £1,000 €1,250
Blood care programme
A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world.
Blood care programme
YES
eHealth records account
eHealth records account
YES
Lifetime maximum for mental health benefits (inpatient and outpatient)
Lifetime maximum for mental health benefits (inpatient and outpatient)
$25,000 £15,000 €20,000
Policy year mental illness, maximum (out-of-hospital) 15 visits
Policy year mental illness, maximum (out-of-hospital) 15 visits
$2,500 £1,500 €2,000 per policy year
Lifetime mental illness, maximum per insured (in-hospital)
Lifetime mental illness, maximum per insured (in-hospital)
60 days
Lifetime maximum for mental health benefits (out-of-hospital)
Lifetime maximum for mental health benefits (out-of-hospital)
80 visits
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
YES
AD&D
Higher options available on request.
AD&D
$100,000 £70,000 €80,000
Lifetime maximum
Lifetime maximum
$25,000 £15,000 €20,000
Lifetime maximum
Lifetime maximum
$20,000 £13,000 €15,000
Chronic conditions are treated like any other condition under the policy
Chronic conditions are treated like any other condition under the policy
YES
Lump sum in case of death (all causes)
Lump sum in case of death (all causes)
$10,000 £10,000 €10,000
Individual deductible
Individual deductible
YES
Family deductible
Family deductible
NO
Deductible options are:
Deductible options are:
$0 £0 €0
$100 £65 €75
$200 £125 €150
$500 £300 €400
$1,000 £650 €750
$5,000 £3,000 €4,000
YES
An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$1,000 £650 €750
Cover Region 1 – Worldwide including US and Canada and their territories.
Please note that Cover Region 1 is limited to 180 days in the US in any 12-month period. If you are returning to the US 12-month Bridge Cover is available for Cover Region 1 members only and request must be made prior to returning to the US Bridge Cover premiums are 185% of standard published rates.
Cover Region 1 – Worldwide including US and Canada and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our UnitedHealthcare (UHC) Preferred Provider Network. The UHC Network is one of the largest in the US with over 650,000 medical providers. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – does not include any cover for US and Canada and their territories.
Individual deductible
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
Individual deductible
$50 £30 €40
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
Included under your Premier medical plan.
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
90%
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
60%
Policy year maximum (per insured person)
Policy year maximum (per insured person)
$3,000 £2,000 €2,250
Orthodontic lifetime maximum
Orthodontic lifetime maximum
$2,500 £1,500 €2,000
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
N.B. Benefits cannot exceed two times annual salary.
Loss of life
Loss of life
100%
Loss of sight of both eyes
Loss of sight of both eyes
100%
Loss of both hands or arms
Loss of both hands or arms
100%
Loss of both feet or both legs
Loss of both feet or both legs
100%
Loss of one arm and one leg
Loss of one arm and one leg
100%
Loss of sight of one eye
Loss of sight of one eye
50%
Loss of one foot or one leg
Loss of one foot or one leg
50%
Loss of one hand or arm
Loss of one hand or arm
50%

This summary does not describe all the terms and conditions of this policy, so please take time to read the policy wording document, as well as the table of the benefits, to ensure you understand the cover it provides.

It’s important that you review and update your cover periodically to ensure it remains adequate.

About this policy

This policy has been issued by Integra Global Health Limited, and MGEN. Integra Global Health Limited is registered in England and Wales (no. 10928913), registered office: 29/30 Fitzroy Square, London W1T 6LQ. Integra Global Health Limited is an appointed representative of Compass Underwriting Limited, which is authorised and regulated by the Financial Conduct Authority, FCA registration no. 304908. Integra Global is a trading name of Integra Global Health Limited.

This policy is underwritten by MGEN, SIREN number 775 685 399, regulated by the provisions of Tome II of the French mutual insurance companies code: 3 – 7 square Max Hymans, 75748 Paris Cedex 15, France; and MGEN Vie, 3 – 7 square Max Hymans, 75748 Paris Cedex 15, France, registered under number Siren 441 922 002.

The policy duration is one year starting from your commencement date listed on the Certificate of Insurance. And your cover is renewed by tacit agreement on each anniversary date for a period of one year, unless cancelled by you by means of a registered letter sent to Integra Global Health Limited at the latest two months before the anniversary date, which is the effective date of termination.

Significant features and benefits

Cover

The purpose of this insurance policy is to provide cover to individuals and their eligible dependents. Individuals who meet all of the following criteria are eligible for cover as an insured person:

  • the individual has completed an enrolment form for cover;
  • the individual has signed and returned an enrolment form to us;
  • the individual resides outside of the United States of America, or any of its territories;
  • the individual and/or his or her eligible dependents will not attain 69 years of age during the period of insurance; and we accept the individual for cover.

The cover which will be provided to each insured person will be in accordance with the selected plan, as shown in the certificate issued to the insured person and with the table of benefits, each of which form part of this policy. Any benefits not included in the cover selected and the table of benefits do not apply.

Your eligible expenses shall be the reasonable charges for the services and supplies listed below, actually made to the insured person and, unless otherwise shown, will be considered eligible only if the expenses are:

1. given for the diagnosis or treatment of illness, pregnancy or accidental injury
2. ordered or performed by a physician
3. medically necessary; and
4. usual, reasonable and customary.

You and your physician decide which services and supplies are given, but the plan only pays for covered medical expenses, which we deem to be medically necessary.

Depending on the chosen region, this plan will cover you worldwide including or excluding USA and Canada. For region 1 cover – worldwide including USA and Canada the benefits listed in in the table of the benefits are only applicable when using UnitedHealthcare – our chosen PPO.

For region 2 cover – access to healthcare providers as well as the treatments and services in USA and Canada is excluded.

After your chosen deductible on the plan, meaning the amount of covered expenses which you are required to pay before benefits are payable under this policy, are paid, we will start paying the benefits for covered medical expenses as per table of the benefits at the percentage rates shown.

The significant benefits on your plan

  • Inpatient charges made by a hospital for giving accommodation and other hospital services and supplies to you when you are confined as a fulltime inpatient.
  • Outpatient charges for medically necessary diagnostic and therapeutic services rendered to you as an outpatient of a hospital, provider’s office or approved independent facility.
  • Mental health benefits – the policy will pay up to the policy limits in the table of benefits for allowable charges in respect of psychotherapeutic treatment and psychiatric counselling and treatment for approved psychiatric diagnosis.
  • Wellness benefits – we will pay the costs up to the policy limits as per the table of benefits for your cost of examinations (having regard to your age) to ascertain the potential presence of illness or disease; these may include, (but not limited to): vital signs, including blood pressure, cholesterol, cardiovascular, cancer screening including mammogram, pap smear, colon, prostate.
  • Emergency medical assistance and evacuation – a 24-hour dedicated emergency telephone and assistance service, in the event of a medical emergency.
  • Expatriate Assistance Programme – assistance with the following (but not limited to) issues: adapt across cultures, work towards life goals, find solution for work related issues, access for crisis and trauma support while on assignment.
  • Life cover – a lump sum is paid in case of death (al causes) of an adult insured person depending on the plan chosen and as listed in your table of benefits.
  • Maternity benefits – applicable to Your Family and Premier Family plans only.

Support team

You can connect our member care via:
member-care@integraglobal.com
or +44 333 405 3003
UK: 0808 101 3483 (freephone)
US: +1888 753 1377 (toll-free)

In case of emergency, please call our 24/7 medical assistance
INT +44 (0)20 7183 8910
BACKUP +44 (0)7785 627 433

The policy does not cover:

  • No benefits are payable for health expense incurred before cover has commenced or when a cover has terminated
  • Exams in any way related to employment or premarital exams
  • Services and supplies which we deem to be unnecessary for the diagnosis, care or treatment of the physical or mental condition involved.
  • Over-the-counter medications and supplies which do not require a physician prescription
  • Treatments or services that exclusions deem to be experimental or investigational
  • Charges for or related to services, treatments, education testing or training related to learning disabilities or development delays including but not limited to attention deficit/hyperactivity disorder (ADD/ADHD)
  • Participation in a professional sports or any hazardous sport or activity
  • Dental implants of any type
  • Plastic surgery, reconstructive surgery, cosmetic surgery or other services and supplies which improve, alter or enhance appearance
  • 12 months waiting period applies to all maternity and newborn care benefits – applicable to YourFamily and PremierFamily plans only
  • 24 months period applies to organ transplant benefits

Significant exclusions or limitations

Cancellation right

If you cancel within the first 14 days after receiving your policy documents, within the first year of insurance, we will refund your full premium, providing no claims have been made on your policy.

We reserve the right to deduct an administrative charge of US$30 for the costs of production and despatch of documentation.

Integra Global Health Limited is covered by the Financial Services Compensation Scheme (FSCS) You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Making a claim

Members can pay for treatment and seek reimbursement for all eligible expenses. Claims should be submitted within 180 days of treatment.

The form can be obtained via our website:
integraglobal.com/members-area/submit-a-claim Please complete the form in its entirety (front and back) including:

1. For foreign language claims please fill out Section B in English
2. Attach itemised invoices along with your claim
3. Make copies of all invoices and claim form

Submit the claim form and supporting documents to: integra@medical-administrators.com or via the yourHealth app.

How to make a complaint

The most important thing for us is to help resolve your concerns as quickly as possible. Upon receipt of your complaint, we will do all we can to resolve your complaint by the end of the next business day. However, if we can’t do this, we will contact you within five working days to acknowledge your complaint and explain the next steps. Letting us know when you are unhappy with our service gives us the opportunity to put things right for you and improve our overall service.

You can contact our claims administrators via the details below:
Tel: +(33) 184 780 368
Email: integra@medical-administrators.com
or write to:
Medical Administrators International, 37, rue Anatole France, 92532 Levallois Perret, France

If the insured persons are not satisfied by MAI’s response, they can send a standard letter to:
MGEN International Benefits, 7, square Max Hymans, 75748 Paris Cedex 15, France
or email clients@mgen-ib.com

In the event of disagreement with a decision by the insurer, and having exhausted all means of appeal offered by the insurer, the insured person may contact the MGEN ombudsman at:

MGEN, Monsieur le Médiateur, 3, square Max Hymans, 75748 Paris Cedex 1
or email mediation@mgen.fr

The ombudsman’s opinion is not binding on the parties in dispute and they retain the right to bring proceedings before the competent court. The ombudsman is not authorised to give an opinion on insurance admissibility conditions. The terms and conditions of the ombudsman’s intervention can be consulted on the website www.mgen.fr (mediation section) or obtained on request from the postal address above.

To help us resolve your complaint, please supply the following information:

  • your name and membership details
  • a contact telephone number
  • a description of your complaint
  • any relevant information relating to your complaint that we may not have already seen.