Thread: global health insurance

What is the cheapest global health insurance coverage or is it better to go through auc?

If you do a search this is covered numerous times, do a search. IMG is the cheapest that i found, the school's is not too bad, but not the best. also, only need to be concerned with the emergency evacuation, b/c the doctor visit on the island are cheaper that your co-pay.

Slaol put on a previous thread that we can use our current US insurance as long as we're allowed to file overseas incidents, God forbid something happen but....

Anyway on that same thread one student had, HTH Worldwise
(HTH Worldwide). You can use it to waiver insurance at school, don't know what the coverage is like but it's $400 for the entire year (US Citizen + below the age of 25 i think)

Echo

The reason why my wife and I will be using our existing US coverage is due to the fact that most Global Health Plans have unreliable or tricky wording when it comes to coverage in the US. If my wife gets pregnant, I want to make sure we get the coverage we need (I have read that AUC's insurance is great about prenatal coverage...).

Healthcare costs overseas are generally much cheaper than care in the US. Most students will want to fly home for any major operations, so why not get some good in-country US coverage?

If you are truly worried about "accidental death and dismemberment" overseas, which will most likely not happen to you *knock on wood*, or if you really just want to pay a lot of money for assurance that your dismembered corpse gets a free ride home to the states, these global plans are a good investment.

From my reading, I think that the "Patriot" plans through IMG do NOT provide good coverage in the U.S. The reason they are so cheap is that they are supposed to be a supplement for domestic coverage. The IMG "global" coverage is a complete plan that covers everything within the PPO network in the U.S., as long as you plan on being OUT of the U.S. 6 months out of the year.
For a 25yr old single male on the highest IMG global Platinum plan w/ 500 annual deductible - the premiums are roughly 210/month... significantly higher than AUC's insurance ~ 80/month?
Personally, I think I will be going with an IMG global plan for the next two years and then switch to domestic coverage when I am back in the states for good.

My parents used their insurance agent to research global insurance plans and he came back with a plan sponsored by Lloyds of London, underwritten by Peterson international. The starting annual premium for a 500 deductible is around 450 and if approved it covers pre-existing conditions disclosed on application... I'm currently awaiting application and quote - curious if anyone has experience with lloyds of london, thanks

Link : Petersen International Underwriters | Worldwide Medical Insurance

The insurance that AUC offers is really pretty terrible. If you read through the second page, you won't believe how many things they do not cover. Probably my favorite exclusion is routine check ups and preventative care. This is a perfect example of what is wrong with the US healthcare system...silly insurance people who would rather pay out a ton of money when something really goes wrong, then a little money to make sure it doesn't.

If you are planning a child, I'd definitely steer clear, since there are a lot of family planning related exclusions. I only get the AUC insurance because it's convenient and I'm lazy. However, I'm really hoping that I never have to use it!

not to mention preexisting conditions....ditto on the "i hope i never have to use it" part

All AUC students are required to buy the Aetna health insurance once on the island. Does anyone know what exactly is covered with this insurance?

Originally Posted by dnoel075

All AUC students are required to buy the Aetna health insurance once on the island. Does anyone know what exactly is covered with this insurance?

Looks like St. Maarten is looking to tap into the student market and is requiring all students purchase NAGICO insurance locally on the island. LINK: http://www.aucmed.edu/pdf/core-rotat...-Insurance.pdf


From the AUC website:

"The government of St. Maarten requires all students to have a local health insurance coverage while on the island. AUC has arranged for a student health insurance policy through NAGICO(National General Insurance Company N.V.). Students have the opportunity to enroll dependents with the insurance company during registration. Clinical students are required to have health insurance, provided through AETNA, in order to rotate. These requirements are strictly enforced by AUC. Please contact AUC for further information at 305-446-0600."