Healthcare International Europe
Healthcare International Europe GmbH offers international health insurance plans under the trading name Integra Global. The insurance is underwritten by MGEN, a French insurance company regulated by the provisions of Tome II of the French mutual insurance companies code.
Coverage Tiers & Benefits
Core Components
| Benefit | yourLife | yourFamily | PremierLife | PremierFamily |
|---|---|---|---|---|
| Maximum Annual Medical Coverage | Subject to table of benefits | Subject to table of benefits | Subject to table of benefits | Subject to table of benefits |
| Inpatient Coverage | Semi-private room accommodation, intensive care, inpatient ancillary services, surgical procedures, physician visits | Semi-private room accommodation, intensive care, inpatient ancillary services, surgical procedures, physician visits | Private room accommodation, intensive care, inpatient ancillary services, surgical procedures, physician visits | Private room accommodation, intensive care, inpatient ancillary services, surgical procedures, physician visits |
| Emergency Room Coverage | Covered; nonemergency care in emergency room paid at standard office visit rate | Covered; nonemergency care in emergency room paid at standard office visit rate | Covered; nonemergency care in emergency room paid at standard office visit rate | Covered; nonemergency care in emergency room paid at standard office visit rate |
| Maternity Coverage | Not covered | Covered after 12month waiting period (mother only); hospital services, obstetrical services, prenatal and postnatal care | Not covered | Covered after 12month waiting period (mother only); hospital services, obstetrical services, prenatal and postnatal care |
Optional Components
| Component | yourLife | yourFamily | PremierLife | PremierFamily |
|---|---|---|---|---|
| Outpatient Coverage | Covered; includes diagnostic services, therapeutic services, physician visits | Covered; includes diagnostic services, therapeutic services, physician visits | Covered; includes diagnostic services, therapeutic services, physician visits | Covered; includes diagnostic services, therapeutic services, physician visits |
| Emergency & Crisis Evacuations | Covered based on medical necessity; pre-authorization required | Covered based on medical necessity; pre-authorization required | Covered based on medical necessity; pre-authorization required | Covered based on medical necessity; pre-authorization required |
| Routine Physical Examinations | Covered after 6 months of waiting period (waived if premium paid annually) | Covered after 6 months of waiting period (waived if premium paid annually) | Covered after 6 months waiting period (waived if premium paid annually) | Covered after 6 months of waiting period (waived if premium paid annually) |
| Preventive Screening Examinations | Covered after 6month waiting period; includes cancer screening | Covered after 6month waiting period; includes cancer screening | Covered after 6month waiting period; includes cancer screening | Covered after 6month waiting period; includes cancer screening |
| Telehealth Consultations | Not specifically mentioned | Not specifically mentioned | Not specifically mentioned | Not specifically mentioned |
| Extreme Sports | Uncovered; excludes professional sports and hazardous activities | Uncovered; excludes professional sports and hazardous activities | Uncovered; excludes professional sports and hazardous activities | Uncovered; excludes professional sports and hazardous activities |
| Dental Coverage | Optional; Class I, II, III dental services (Class III has 6month waiting period) | Optional; Class I, II, III dental services (Class III has 6month waiting period) | Optional; Class I, II, III dental services (Class III has 6month waiting period) | Optional; Class I, II, III dental services (Class III has 6month waiting period) |
| Vision Coverage | Covered after 6month waiting period (waived if premium paid annually); includes eye exams, eyeglasses, contacts | Covered after 6month waiting period (waived if premium paid annually); includes eye exams, eyeglasses, contacts | Covered after 6month waiting period (waived if premium paid annually); includes eye exams, eyeglasses, contacts | Covered after 6month waiting period (waived if premium paid annually); includes eye exams, eyeglasses, contacts |
| Mental Support Coverage | Covered for inpatient and outpatient care; psychotherapeutic treatment and psychiatric counseling | Covered for inpatient and outpatient care; psychotherapeutic treatment and psychiatric counseling | Covered for inpatient and outpatient care; psychotherapeutic treatment and psychiatric counseling | Covered for inpatient and outpatient care; psychotherapeutic treatment and psychiatric counseling |
| Vaccinations | Covered as part of wellness benefits; includes immunizations for infectious diseases | Covered as part of wellness benefits; includes immunizations for infectious diseases | Covered as part of wellness benefits; includes immunizations for infectious diseases | Covered as part of wellness benefits; includes immunizations for infectious diseases |
Unique and Special Plan Features
24/7 Customer Service
A 24-hour dedicated emergency telephone and assistance service is provided in the event of a medical emergency. The service includes communication with the insured person and/or close relatives to keep them informed about their condition.
Prepaid payment card provided by the insurer
Not mentioned in the policy documents.
Mobile App
Not specifically mentioned in the policy documents
Medical Case Management Service
PremierLife and PremierFamily members have access to medical concierge services, including
diagnosis verification and treatment program. This service provides access to specialists from
top-rated hospitals who can review medical reports to confirm diagnoses and advise on
treatment options.
Other unique features
The plan provides access to an eHealth records account in partnership with Medelinked,
allowing insured persons to store their health records securely and access them 24 hours a day
from anywhere. Additionally, PremierLife and PremierFamily plans include a “Travel for family
emergency” benefit covering travel costs if the insured needs to return home due to a close
relative’s illness or death.
Plan Rules
Minimum and Maximum Acceptance Age
There is no explicitly stated minimum age, but coverage extends to dependent children under 19
years of age (or under 23 if in school full-time). The maximum age limit is 69, as coverage
terminates at the end of the insurance period in which the insured person turns 69.
Plan is for individuals who live away from their home country for how long
The plan requires the insured person to reside outside the United States of America, with no
specific minimum duration mentioned. However, spending 180 or more consecutive days, or
more than 180 total days in any 12-month period in the USA may result in termination of
coverage.
Geographic Zones of Coverage
The policy covers treatment outside the insured person’s home country and within the selected
region of coverage. For medical treatment in the USA (Region 1 coverage only), the policy
provides access to a Preferred Provider Organisation (PPO) network.
Coverage in my home country
The policy is designed for those residing outside their home country, but specific details about
home country coverage are not explicitly stated in the provided documents.
Minimum duration of policy
The policy covers a 12-month period, with renewal by tacit agreement on each anniversary date
for another year.
Plan cancellation policy
The insured person can cancel within the first 14 days after receiving the policy documents
(within the first year of insurance) and receive a full premium refund, provided no claims have
been made. The insurer reserves the right to deduct an administrative charge of US$30. The
policy can also be terminated with a two-month notice before the renewal date.
Can they exclude my new health conditions at renewal time?
This information is not explicitly mentioned in the provided policy documents.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-authorization is required for hospitalization, outpatient surgery, medical transportation
(except local emergency transportation), and high-cost claims such as MRI, CT, and PET scans.
The insurer must be contacted at least two weeks before scheduled procedures. For emergency
hospitalizations, notification within 48 hours of admission is required. Failure to obtain preauthorization may result in a 25% reduction in benefits payable.
Deductible and Cost-Share Options
The policy includes a deductible, which is the amount the insured person must pay before
benefits become payable. After meeting the deductible, the insurer pays at the percentage
specified in the table of benefits until the out-of-pocket maximum is reached, after which
benefits are payable at 100% of allowable charges.
Pros & Cons
Insurer Details
Plan Name: yourLife, yourFamily, PremierLife, and PremierFamily
Who is the insurer? MGEN
Insurer’s Country: France
Insurance Plan main website: http://www.integraglobal.com/
Insured Nomads
