IntegraGlobal Group Health Options Our Life is Your Life. IntegraGlobal
Group Health Plans Group Health Options from Integra Global offers your company, Flexibility, core Protection, unequaled Service, and all at an outstanding Value. We give your organisation the Flexibility to meet your international employee benefits needs through our five flexible s. Each gives not just essential but superlative benefits to your staff. Our health plans offer your staff excellent Protection no matter what (s) you choose. Each plan has at its core a strong foundation of cover. All plans include Inpatient & Hospitalisation Outpatient & Specialist Fees Prescription Drugs Emergency Medical Evacuation 2/ Medical Emergency Assistance Hotline Your staff will always feel fully protected with an Integra Global Health Plan. Both your staff and organisaton require a specialised international health plan for your expat staff. Our unequaled Service means happier staff members and less involvement with your HR department. We offer direct billing in many countries which of course gives tremendous convenience to your staff. Yet, through our local arrangements with country based direct bill providers we also manage to keep costs down and abuse low. Always important to your bottom line is the cost of your employee benefits. We recognise how important this can be. With this in mind, the lowest cost policy is not always the best deal for your organisation. Likewise, the most expensive health plan doesn't necessarily guarantee you and your organisation receiving the most value from your health plan. Integra Global Health Plans have the rare ability of offering you Flexibilty and choice, outstanding Protection, unequaled Service at a cost that is un-paralleled in Value to your organisation.
Full Comprehensive Cover in all of our Global s Integra Global Group Health Options offers superlative benefits and is naturally comprehensive in scope. It covers your everyday needs as well as serious medical issues. Quality health protection when and where you need it the most - 2/. Hospitalisation/Inpatient Services/Emergency Room Full cover for hospitalisation, surgery, inpatient services, intensive care, emergency room and out-patient surgery. Organ Transplants Excellent organ transplant benefits through our Managed Transplant Program. Outpatient No specific limits on outpatient services such as G.P. office visits and specialist fees. Prescription Drugs Plan provides complete cover for prescription drugs with no specific annual or lifetime limits. Chronic Conditions Cover If you develop a chronic condition once under our plan you have the peace of mind to know that we treat a chronic condition as any other illness. You need not worry about specific limitations that can effect your well-being and lifestyle.
Diagnostic and Therapeutic Services All types of imaging and lab services as well as full therapeutic services. Physical Therapy Generous physical and occupational therapy benefits. Simplified Geographical Cover We keep things simple for you by having only two different regions of Cover: Cover 1 - Worldwide including US/ Cover 2 - Worldwide but excluding US/ Medical Evacuation and Emergency Assistance 2/ protection and assistance around the clock. E-health Records and Storage Each staff member will receive a completely private and secure e-health Records Acccount. Allowing your staff to store all their health records in one secure location accessible 2/. Each account holder chooses what records are public for an emergency situation. All insurance documentation including ID card, Table of Benefits and Claim Forms are stored there as well for your convenience. *For a complete listing of benefits, please consult the Table of Benefits.
Worldwide Access to your Health Benefits The Integra Global Member ID Card is a powerful tool for your staff to access benefits in a time of need. It contains all the necessary information for both the medical provider and staff member to guarantee medical care is received and medical costs are guaranteed. The Member ID card provides for 2/ Medical Assistance Hotline and can provide for payment guarantees worldwide in case of hospitalisation. All the staff member or medical provider needs to do is call the number on the back of the card. Integra Global also has select local networks in many countries of the world. For these countries we give your staff an extra local network card that gives them access to a large network with top rated medical providers. Local convenience with international protection and service. Your staff member couldn t ask for more convenience. And for Cover 1 members who need access to U.S. medical care Integra Global gives your staff access to over 650,000 medical providers in the United States through our network provider UnitedHealthcare (UHC). By presenting your Integra Global Member ID Card to a medical provider or hospital in the UHC Network all your claim filings, pre-authorisations and payments are done for you. You only need to pay your deductible and co-insurance (if any). All relevant policy information that verifies your cover to medical providers is included here. On the right side of your Member ID Card you will find the logos of our network partners. These logos "steer" trained medical providers to submit claims through the network. Important contact numbers both for emergencies and preauthorizations. These numbers are listed both for your use and medical providers. Contact numbers for medical providers only in the U.S. who will need to contact our network in the States.
A Word About Our Flexible Plan Design Integra Global offers 5 choices. You have the flexibility to choose one of the 5 s for your staff. Or, set up different choices for various staff categories. This gives you the opportunity to offer various plan options to meet different levels of your organisation at a cost that is easy on your bottom line. To discuss how to set up different s for different staff categories contact Integra Global or your Insurance Consultant. Integra Global Group Health Options Benefits Plan BA Plan BM Plan BW Plan BC Premier Inpatient/Daypatient Outpatient Evacuation/Repatriation Maternity Wellness Dental Vision Care Best Possible Outcome Programme Advanced Health Screening Complimentary Medicine AD&D Benefit $100k
IntegraGlobal Group Health Options BA BM BW BC Premier Group Maximum Lifetime Plan Benefit $USD $2,500,000 $2,500,000 $2,500,000 $2,500,000 $3,000,000 Annual Maximum Plan Benefit $USD $1,500,000 $1,500,000 $1,500,000 $1,500,000 $2,000,000 Hospitalisation Benefits Accommodation Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment Intensive Care Unit Inpatient Ancillary Services including Physical and Occupational Therapy as day-or inpatient Surgeons and anaesthetists fees Inpatient consultation by Specialist Emergency Room Pathology, radiology, and diagnostic tests MRI, CT and PET scans Private Duty Nursing (Lifetime maximum) Skilled Nursing Facility (Lifetime maximum) Home Health Care (Lifetime maximum) Hospice Care Services (Lifetime maximum) Emergency Dental Treatment as a result of accident Cancer Treatment Semi-Private Room Semi-Private Room Semi-Private Room Semi-Private Room Private Room $,500 $,500 $,500 $,500 $15,000 $,500 $,500 $,500 $,500 $15,000 $,500 $,500 $,500 $,500 $15,000 $10,000 $10,000 $10,000 $10,000 $20,000
IntegraGlobal Group Health Options BA BM BW BC Premier Group 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. Managed Transplant Program Organ Transplants Maximum Lifetime,000,000,000,000,000 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. $250,000 $250,000 $250,000 $250,000 $250,000 Outpatient Benefits Surgery as Outpatient Physician Office Visits & Specialist Fees Diagnostic & Therapeutic Services (as outpatient) Physical Therapy (as outpatient) Occupational Therapy (as outpatient) Chiropractic Services Policy Year Maximum for Chiropractic Services Referral letter required from medical physician Prescription Program In US (no deductible applies) $5 $5 $5 $5 $5 $5 $5 $5 $5 max 50 visits $5 max 50 visits $50 $50 $50 $50 $1500 90% generic 80% brand 90% generic 80% brand 90% generic 80% brand 90% generic 80% brand generic 90% brand All other countries (ded. applies) Complimentary Medicine Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy available at benefits below) available at benefits below) available at benefits below) available at benefits below) $1,500
IntegraGlobal Group Health Options BA BM BW BC Premier Group Maternity & Newborn Cover Pregnancy Normal Delivery Complicated Pregnancy Routine Nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. New Born Cover Included in New Born Cover are Premature Births, Congenital Conditions and Birth Anomalies. New Born Cover is only available for a covered pregnancy. A 12-month waiting period applies to all Maternity & Newborn Care Benefits unless Maternity Waiting Period Waiver Option is chosen. $10,000 $12,000 $10,000 $12,000 $20,000 $30,000 $25,000 $25,000 $30,000 Wellness & Routine Services Adults $50 Routine physical exams in connection with overall health and wellbeing. 90% 90% Pap Smear 90% 90% Mammograms Ages 35-39 one baseline exam Ages 0-9 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 Prostate Cancer Screening One test per for males age 50 or over 90% 90% 90% 90% Immunizations & Vaccinations 90% 90% Child(ren) Maximum per birth to age 12 months Maximum per 13 months and over Routine medical exams and immunizations & vaccinations $300 $300 $200 $200 $300 Child Preventive Care Services Hearing Tests 6 month waiting period applies to all Wellness Benefits but waits are waved for policies that are paid annually. Overall Wellness Benefit Maximums apply to all routine and wellness benefits for Adults and Children.
IntegraGlobal Group Health Options BA BM BW BC Premier Group Vision Care Cover Maximum per 2 month period 6 month waiting period applies to Vision Care Cover but waits are waved for policies that are paid annually. $300 $300 $300 Dental Plan Individual Deductible $50 $50 $50 Family Deductible $150 $150 $150 Class I Expenses no deductible applies Diagnostic General Preventive Class II Expenses Restorative (Basic); Endodontics; Periodontics; Prosthodontics Removable (Maintenance; Fixed Bridge (Maintenance); Oral Surgery 80% 80% 90% Class III Expenses Restorative (Major); Endodontics; Prosthodontics Removable (Installation); Fixed Bridge (Installation) Orthodontic and Class III services are available after 6 months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age. 50% 50% 60% Policy Year Maximum (per Insured Person) $1,500 $1,500 $3,000 Orthodontic Lifetime Maximum $1,500 $1,500 $2,500 Emergency Evacuation, Repatriation and Ambulance Services Medical Evacuation & Assistance 2/ Emergency Medical Assistance Hotline Repatriation of Mortal Remains Family Emergency Travel $5,000 Repatriation Accompaniment $2,500 $2,500 $2,500 $2,500 $5,000 Repatriation Family Accompaniment $3,000 Medical Concierge Services 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 from a top rated US hospital 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. Advanced Health Screening Programme Ages 0-50 one high level physical examination every 3 years $1,000 Ages 50+ one high level physical examination every 3 years $1,500
IntegraGlobal Group Health Options BA BM BW BC Premier Group Blood Care Programme A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world. ehealth Records Account Mental Health Benefits Lifetime Maximum for Mental Health Benefits (inpatient & outpatient) Policy Year Mental Illness, Maximum (Out-of-Hospital)* 15 visits Lifetime Mental Illness, Maximum Per Insured (In-Hospital) Lifetime Maximum for Mental Health Benefits (Out-of-Hospital) Mental Health Benefits do not count towards Out-of-Pocket Maximum $25,000 $25,000 $25,000 $25,000 $25,000 $2,500 per $2,500 per $2,500 per $2,500 per $2,500 per 60 days 60 days 60 days 60 days 60 days 80 visits 80 visits 80 visits 80 visits 80 visits Accidental Death & Dismemberment Also available as an optional benefit on all plans $100,000 HIV/AIDS Treatment Lifetime Maximum $25,000 $25,000 $25,000 $25,000 $25,000 Durable Medical Equipment Lifetime Maximum $15,000 $15,000 $15,000 $15,000 $20,000 Chronic Conditions Chronic conditions are treated like any other condition under the Policy. Pre-Existing Conditions Annual Maximum Plan Benefit Lifetime Maximum Pre-existing Conditions are covered after a 12-month waiting period and subject to maximums above unless otherwise stated on your Certificate of Insurance. $5,000 $5,000 $5,000 $5,000 $5,000 Deductible Options Individual Deductible Deductible per claim options also available upon request $0, $50, $100, $200,, $1,000, $5,000 $0, $50, $100, $200,, $1,000, $5,000 $0, $50, $100, $200,, $1,000, $5,000 $0, $50, $100, $200,, $1,000, $5,000 $0, $50, $100, $200,, $1,000, $5,000
IntegraGlobal Group Health Options BA BM BW BC Premier Group Out of Pocket Maximum Individual $1,000 $1,000 $1,000 $1,000 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 for the remainder of the (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the. 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. Out of Pocket Maximum Family $3,000 $3,000 $3,000 $3,000 Functions just like the individual out of pocket except this is protection for the entire family. If the family out of pocket maximum is reached regardless of whether the individual out of pocket limit is reached the entire family under cover has their 90% benefits switched to for the remainder of the (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the. 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. Optional Add-Ons Blood Care Programme A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world. included in cover Complimentary Medicine Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy included in cover No Wait on Maternity Benefits 12-month wait on maternity benefits waived and maternity benefit immediately available to staff and eligible dependents. Private Room Upgrade included in cover Emergency Cover for US/ Emergency non-elective treatment only Accidental Death & Dismemberment $100,000 included in cover Geographical Cover Region Options Cover Region 1 Worldwide including U.S. and and their territories For Cover Region 1 please note that benefits listed above are only applicable when using our Preferred Provider Network UHC. The UHC Network is one of the largest in the U.S. with over 650,000 medical providers. Benefits outside of network are reduced to 0% and co-insurance does not count toward out of pocket max. Please note that Cover Region 1 is limited to 180 days in the U.S. in any 12 month period. Cover Region 2 Worldwide but excluding U.S. and and their territories Cover Region 2 does not include any cover for U.S. and and their territories.
IntegraGlobal Group Health Options BA BM BW BC Premier Group Accidental Death and Dismemberment (AD&D) Option 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. loss of life loss of sight of both eyes loss of both hands or arms loss of both feet or both legs loss of one arm and one leg loss of sight of one eye 50% 50% 50% 50% 50% loss of one foot or one leg 50% 50% 50% 50% 50% loss of one hand or arm 50% 50% 50% 50% 50% N.B. Benefits cannot exceed 2 times annual salary.
About Integra Global Integra Global is an international health plan provider since 1999. Integra Global is a UK company that has service offices strategically placed worldwide in Europe, North America and Asia. We specialise in providing health plans to organisations and individuals with unique heath protection needs, such as expatriates, marine professionals and specialised risks. In creating our health plans, we consider the unique needs of our members and design health plans to suit these requirements. Providing extraordinary health plans to unique markets is our specialty. Our approach enables us to offer outstanding protection, excellent value and a superlative level of personal service to all of our members worldwide. Our Life is Your Life.
For further questions and information, contact one of our numbers below: UK: 0 808 101 383 (free phone UK) + 333 05 3003 US: +1 888 53 13 (toll-free US) Our Insurance Partner Your Integra Global Group Health Option Plan is underwritten by LAMP Insurance Company Limited. LAMP is an independent insurance group, specializing in International Private Medical Insurance. LAMP Insurance Company Limited, is authorized and regulated by the Financial Services Commission, Gibraltar. Gibraltar is a wellregulated onshore European Union financial services center. It complies with EU law and standards of supervision of financial services, and applies EU solvency margins. Its regulatory standards match those required by legislation and practice in the UK. This english-speaking, FCO monitored environment is highly accessible, occupied by many leaders in the UK motor and legal insurance markets. LAMP Insurance Company Limited is reinsured into the Lloyd's of London market which enjoys a global A+ rating from Fitch Ratings and Standard & Poor's. Email: ig-contact@integraglobal.com www.integraglobal.com IntegraGlobal