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.

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.

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.

You can make a claim via our new Members portal.

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.

No, there is no action to take – this policy has been transferred with no impact to you.

Any questions should be directed to Ian Wood, CEO of HealthCare International Group.

HealthCare International Group (HCI Group) 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.

We would like to take this opportunity to make you aware of some useful updated information. With effect from 26th August 2022 a new privacy notice applies to you as our customer, which contains some important changes about the way we handle your personal information. The privacy notice can be found using the following link: https://www.healthcareinternational.com/privacypolicy It is important to note that we will not being handling the more sensitive types of information about you (such as medical information) without your consent, and we will be in touch to discuss this with you in due course. Those types of data will continue to be managed in line with Integra Global’s existing privacy policy.

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.

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.

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, reimbursements can be expected within five to seven days through a bank transfer.

Applying for cover just got a lot easier. Our streamlined enrolment only asks a maximum of 6 medical questions. And we let you know quickly 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.

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.

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.

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.

All hospital stays (inpatient), outpatient surgery, medical transportation (except for local emergency transportation) or any medical procedure over $500 must be pre-authorised.All hospital stays (inpatient), outpatient surgery, medical transportation (except for local emergency transportation) or any medical procedure over $500 must be pre-authorised.

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).

• 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.

All of the Integra Global policies are annual policies. Having said this, we do offer annual, semi-annual and quarterly payment methods.

If you need a policy for up to three months HealthCare International has a Short Term Plan.

If you need a policy for between three and six months you can purchase and Short Term Plus Plan. 

Please select the Quote button in the navigation. Our online quotes are on your screen in an instant and give an indication of your policy premium.

You then have the option to enrol online from your quote results page.

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 HCI Group App nearly instantly.

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.

We are reachable via telephone, email or WhatsApp. Visit our Contact page for details. 

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.

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.

Yes, we cover for Covid vaccinations in countries where the state does not pick up the cost of the vaccination.

Yes, you can pay in quarterly, semi annual or annual payments because we understand people need flexible payment approaches in these times.