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New insurance for expats?


SallyValley

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For those needing affordable quality health insurance please contact me at roger@protexplan.com. We have a new program designed for expats that are are budget conscious, have Medicare or a Canadian Plan. This is our New One Rate Plan, age 50-69 pay only $1,500 for year one, this is a full medical plan with worldwide coverage and renewable for life. If you're over age 70, no worries, issuance is up to age 85. NO PHYSICAL REQUIRED! If you have been insured one year prior on an international plan, all wait periods are waived.

For details, contact me Roger Anthony directly, U.S. Toll Free, from a U.S. line 1-800-608-5743 Mexican Toll Free, from your Mexican land line or cell, 01-800-681-6730

Here are Ten Outstanding Points of the One Rate Plan.

1. Issuance up to 85 years of age and guaranteed renewal

2. Insured by Certain Underwriters at Lloyd's of London

3. Worldwide Coverage

4. $2,000,000 coverage for life

5. $100,000 annual coverage per Assured

6. Optional coverage of $150,000 to increase the annual maximum amount to $250,000 for a minimal cost of $300 per person

7. Worldwide air ambulance at no extra cost up to $10,000 per person. Unlimited ground ambulance benefit

8. Up to 50% discount in Super Special hospitals and clinics for pre-existing conditions excluded by the policy

9. Access to the best physicians hospitals and clinics in the world

10. Coverage for declared pre-existing conditions after one year.

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Let's see: You can't buy fire insurance if your house is already on fire. You can't buy flood insurance if a hurricane has entered the Gulf of Mexico. Why should it be any different for health insurance?

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Let's see: You can't buy fire insurance if your house is already on fire. You can't buy flood insurance if a hurricane has entered the Gulf of Mexico. Why should it be any different for health insurance?

The comparison breaks down when you consider that we can choose to live in a fire prone house (i.e. with faulty wiring or in a pine forest): we can choose to live in a hurricane zone. We don't get to choose cancer. Granted, there are many lifestyle choices that are unhealthy, but other than that...no choices.

About that proposed insurance: Read the fine print very, very carefully.

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When an insurance plan offers a low sign on fee and offers to pay huge sums of money out for claims for a group that contains mostly senior citizens and offers easy entry...doesn't that bring up the "no free lunch theory?" How can a $1000 a year plan pay out huge sums and continue to survive? How can they build up a "bank" for future claims?

If this plan goes under...your out of pocket cost for joining will be small but the years that have gone by will make it tougher for you to find another plan. Remember, most plans stop accepting folks after 70 yrs old.

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The comparison breaks down when you consider that we can choose to live in a fire prone house (i.e. with faulty wiring or in a pine forest): we can choose to live in a hurricane zone. We don't get to choose cancer. Granted, there are many lifestyle choices that are unhealthy, but other than that...no choices.

About that proposed insurance: Read the fine print very, very carefully.

Very valid points all. But a wise insurance agent will not write a policy on that fire prone house or a house in a hurricane zone unless the premium that can be charged for all such homes is sufficiently large to ensure that payment of claims can be made as well as an expected profit.

If it seems too good to be true it often is.

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