Best Healthcare International Insurance Group
Global healthcare for your lifestyle We offer a variety of international healthcare plans covering expatriates, digital nomads, seafarers and more.
Coverage
- Our clients are cared for in the best private medical facilities.
24/7 on-call
- We provide global emergency assistance 365 days a year.
Worldwide
- From expatriates to seafarers, we cover most people living abroad.
Security
- We are backed by the largest insurance companies, giving you peace of mind.
Competitiveness
- Because we are a small business, we do not have the overheads of a large agency.
Personalized Service
- Our dedicated team will help you find the best insurance coverage for your needs.
Pilot Care
- Specialized international private medical insurance for commercial pilots.
New Healthcare
HCI Group specializes in international healthcare for people living abroad and at sea. HCI Group’s flexible pilot insurance is designed for captains, first officers, and cabin crew members working for commercial airlines.
Our pilot insurance PilotCare is completely flexible and can be tailored to each individual’s medical needs. In addition to four levels of major benefit limits, you can add optional Routine Dental Care,
Outpatient Care, and Assistance & Evacuation, each of which has different coverage levels. If keeping premiums low is a priority, deductibles are also available. With a worldwide network of private hospitals, choosing PilotCare pilot insurance gives pilots and flight attendants the peace of mind they need to enjoy their flights.
PilotCare Modules
Clear Coverage Medical Insurance for Pilots
What are the Core Benefits of Pilot Insurance?
All pilot insurance policies have Core Benefits. It covers 100% of your expenses up to the maximum Core Benefit you select. Core Benefits include
- Hospitalization
- Cancer benefits
- Emergency dental care
What are the Core Benefit maximums?
You can choose from the following Core Benefit limits: $250,000｜$1,000,000｜$2,000,000｜$3,000,000.
What are the deductibles available?
The deductibles available under the Core Benefit are: $0｜$500｜$1｜$5｜$10,000
What inpatient care is covered?
- Lodging, operating room and recovery room expenses
- Congenital diseases
- Nursing care
- Prescription drugs and medications
- Physician, specialist, surgeon and anesthesiologist fees
- Medical second opinions
- Hospital cash benefits
- Ophthalmic surgery
- Organ transplants
- Parental lodging expenses
- Day treatment
- Hospice or terminal care
- Elective treatment in home country
- Medical care outside the covered area
- Transport by road ambulance
What cancer treatments are covered?
We will pay for cancer treatment from the date the insured is diagnosed with cancer. Covered Payments
- Chemotherapy
- Radiation therapy
- Oncological treatment
- Diagnostic tests
Prescription drugs and medications These may be covered for inpatient, day patient, or outpatient.
What does emergency dental care include?
We will pay for treatment required as a result of an extra-oral impact if the treatment is received within 48 hours of the date of the physical injury or accident and is intended to provide immediate pain relief.
What is the annual limit?
Lodging, Operating Room, and Recovery Room Expenses｜100% of expenses up to the selected Core Benefit Limit.
- Congenital Defects｜100% of expenses up to the selected Core Benefit Maximum
- Nursing｜100% of cost up to the selected Core Benefit Maximum
- Prescription Drugs and Medications: 100% of cost up to the selected Core Benefit Maximum
- Physician, specialist, surgeon and anesthesiologist fees – 100% of charges up to the selected Core Benefit Maximum
- Medical second opinion｜100% of expenses up to the selected Core Benefit limit
- Hospital Cash Benefit｜$250 per day for up to 45 days.
- Eye Surgery｜100% of expenses up to the selected Core Benefit limit
- Organ Transplantation｜100% of expenses up to a lifetime limit of $500,000.
- Accommodation for parents｜$150 per day, up to 45 days.
- Day Treatment｜100% of expenses up to the selected Core Benefit limit.
- Hospice or Terminal Care｜100% of expenses up to a lifetime limit of $200,000.
- Elective In-Country Care: 100% of charges up to the selected Core Benefit Maximum
- Out-of-Coverage Care/Up to 60 days per Period of Coverage, subject to the selected Core Benefit maximum.
- Road Ambulance Transport｜100% of expenses up to the selected Core Benefit limit
- Cancer treatment: 100% of expenses up to the selected Core Benefit limit
- Emergency dental care｜100% coverage up to $10,000
Get a PilotCare Quote
Get a free quote on how PilotCare can be customized to fit you and your crew.
Group Policy
For those of you who are in a position to lead large numbers of employees overseas, nothing is more important than protecting the health and safety of your employees. We understand that your business needs are unique, and we work closely with you and your employee benefits consultant to develop tailor-made solutions.
We offer International Private Medical Insurance to companies worldwide with a variety of options for companies with 3 or more employees. For companies with 10 or more employees, we offer private medical insurance packages to suit all situations and budgets. Please contact us if you
- You frequently travel abroad
- Want to improve employee benefits
- You are looking for private health care for international visas
Insurance Coverage: jerome.newman@healthcareinternational.com
Flexible Medical Insurance
We offer competitive group rates for companies with 3 or more employees, and no medical history is required for companies with 6 or more employees. This allows you to choose from the following benefits
- Inpatient care
- Accommodations, operating room, recovery room
- Day surgery/treatment
- Diagnostic procedures
- Nursing care
- Prescription drugs and medications
- Physician, specialist, surgeon and anesthesiologist fees
- Ophthalmic surgery (illness and accidents only)
- Cancer treatment
- Chemotherapy
- Radiation therapy
- Oncology
- Diagnostic drugs
- Prescription drugs for inpatient, day or outpatient treatment
- Outpatient and preventive treatments
Alternative medicine: up to $400 / €340 / £280
- Physician and paramedic fees
Physical therapy: up to 12 sessions per condition
Prescription drugs: up to $1,000 / €860 / £710
- Diagnostic tests/treatment
Medical examinations: up to $1,500 / €1,300 / £1,000
- Immunization
Well-being: up to $450 / €390 / £320
Well-child care (up to age 7): up to $1,000 / €860 / £710
- Childbirth
Normal pregnancy and delivery: up to $17,500
Complications of pregnancy and childbirth: up to $1,000,000
Dental care: (up to $4,000 combined maximum)
Emergency dental care: up to $2,000
Crowns/bridges/dentures/implants: 50% up to $500
Routine dental care: up to $700
Restorative dental care: up to $2,000
Orthodontia (children under 18): 50%, up to $2,000
Transportation
- Emergency medical transport and repatriation
Road ambulance
- Repatriation of remains
Other Benefits
- Eye examinations/glasses/contact lenses: up to $400
- Home health care for up to 60 days
- Accident insurance: $25,000
- Prescribed medical aids: 50% of up to $6,000
- Psychiatric, drug or alcohol dependency: 50% of up to $5,000
- Rehabilitation/recovery: up to 60 days
- Optional Benefits (if selected and premium paid)
- Increased Personal Accident Limit
- International Medical Insurance for Overseas Workers
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NIMBL Health
Your flexible health plan. Because life isn’t always as scripted.
What is NIMBL Health?
NIMBL Health allows you to create a plan tailored to your individual needs by selecting your coverage and level of coverage. NIMBL Health allows you to choose from four levels of coverage to create a plan that fits your budget.
You can also choose additional benefits for Routine Dental Coverage, Outpatient Coverage, and Assistance & Evacuation, and select different levels of coverage for each of these options. We also offer deductibles that reduce your annual premium.
NIMBL Health Module
Flexible Health Plans. Because life doesn’t always go according to a script.
What are the core benefits of NIMBL Health?
All NIMBL Health policies have Core Benefits. It covers 100% of your expenses up to the selected Core Benefit limit. Core Benefits include
- Hospitalization
- Cancer coverage
- Emergency dental care
What are the Core Benefit Caps?
You can choose from the following Core Benefit limits: $250,000, $1,000,000, $2,000,000, or $3,000,000.
What are the deductibles available?
The deductibles available under the Core Benefit are: $0｜$500｜$1｜$5｜$10,000
What inpatient care is covered?
- Lodging, operating room and recovery room expenses
- Congenital diseases
- Nursing care
- Prescription drugs and medications
- Physician, specialist, surgeon and anesthesiologist fees
- Medical second opinions
- Hospital cash benefits
- Ophthalmic surgery
- Organ transplants
- Parental lodging expenses
- Day treatment
- Hospice or terminal care
- Elective treatment in home country
- Medical care outside the covered area
- Transport by road ambulance
What cancer treatments are covered?
We will pay for cancer treatment from the date the insured is diagnosed with cancer. Covered Payments
- Chemotherapy
- Radiation therapy
- Oncological treatment
- Diagnostic tests
Prescription drugs and medications These may be covered for inpatient, day patient, or outpatient.
What does emergency dental care include?
We will pay for necessary treatment due to an impact outside the oral cavity, as long as the treatment is received within 48 hours of the date of bodily injury or accident and is necessary to provide immediate relief of pain.
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What is the annual limit?
- Lodging, operating room and recovery room expenses｜100% of expenses up to the selected Core Benefit limit
- Birth defects｜100% of expenses up to the selected Core Benefit maximum amount
- Nursing｜100% of cost up to the selected Core Benefit Maximum
- Prescription Drugs and Medications: 100% of cost up to the selected Core Benefit Maximum
- Physician, specialist, surgeon and anesthesiologist fees – 100% of charges up to the selected Core Benefit Maximum
- Medical second opinion｜100% of expenses up to the selected Core Benefit limit
- Hospital Cash Benefit｜$250 per day for up to 45 days.
- Eye Surgery｜100% of expenses up to the selected Core Benefit limit
- Organ Transplantation｜100% of expenses up to a lifetime limit of $500,000.
- Accommodation for parents｜$150 per day, up to 45 days.
- Day Treatment/100% of expenses up to the selected Core Benefit limit.
- Hospice or Terminal Care｜100% of expenses up to a lifetime limit of $200,000.
- Elective In-Country Care: 100% of charges up to the selected Core Benefit Maximum
- Out-of-Coverage Care/Up to 60 days per Period of Coverage, subject to the selected Core Benefit maximum.
- Road Ambulance Transport｜100% of expenses up to the selected Core Benefit limit
- Cancer treatment: 100% of expenses up to the selected Core Benefit limit
- Emergency dental care｜100% coverage up to a maximum of $10,000
- Get a free quote to see how NIMBL Health can be customized for you and your family.
- Are all policyholders under age 65 and looking for out-of-country medical coverage?
Unique Health Plans for Unique Occupations
- Marine Sure Health
- About Marinshua Health
- Offshore/Onshore Benefits
- Maintain a healthy body and enjoy the things you love to do to the fullest.
- Simplified coverage regions.
- Switch mid-career depending on your work needs.
- Specialized Medical Assistance and Evacuation
- We’ll keep you safe.
- Watertight Protection
- Comprehensive coverage at a premium
- Get coverage for
- Individual
- Groups
Health Insurance for Life on the Water
About us
We understand the unique medical needs of seafarers. Whether you live on a cruise ship, yacht, or oil rig, we can provide you with medical coverage.
For Our Members
MarineSure Health Insurance can be managed online through our new member portal.
Payment of premiums
Individuals, couples and families
Whether you are a family planning to re-locate to Spain or a digital nomad working on the beach in Thailand, we have the international private medical insurance you need to keep you safe and healthy while living abroad.
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Best Healthcare International Insurance
Billing Method
- Outpatient/Dental Claims
- Payment for all outpatient and dental treatment expenses is
- arranged by the policyholder at the time of treatment.
- treatment. However, if the cost of treatment is
- treatment costs are within the plan limits and the policy deductible
- If the treatment costs are within the policy deductible, the expenses incurred will be reimbursed by Health Care
- Healthcare International will reimburse you.
- We recommend the following procedure
- 2
- Whenever you visit a general practitioner, dentist, physician or specialist on an outpatient basis, we recommend that you follow these steps
- Whenever you visit a general practitioner, dentist, physician, or specialist on an outpatient basis, be sure to bring your claim form with you.
- Bring the claim form with you.
- Fill out and sign the claim form.
- Date and sign the form.
- Make sure your physician provides all relevant medical information, including the following information
- Your physician has provided all relevant medical information including the name of the diagnosis in the
- Complete all relevant medical information, including the name of the diagnosis, in the space provided, and Date, sign, and seal the Claim Form.
- Attach all supporting documents, invoices, and receipts with the Claim Form.
- Please attach all supporting documents, invoices and receipts along with the Claim Form.
- (e.g., practitioner/physician bills,
- pharmacy receipts with associated prescriptions,
- and send via email to
- Please email to.
- claims@healthcareinternational.com.
- Please note that each claimant
- Each person filing a claim and each medical condition being claimed must have a claim form.
- A claim form is required for each person and each medical condition for which a claim is being made.
- The claim form must include the method of reimbursement and the currency.
- Please specify the method of reimbursement and currency.
- Please specify the Otherwise
- Otherwise, you will be paid in the currency of the invoice.
- otherwise, you will be paid in the currency of the invoice.
- In addition, medical expenses
- Medical expenses incurred will be reimbursed or reimbursed in accordance with your policy’s benefit limits.
- Reimbursement or reimbursement will be made in accordance with your policy’s benefit limits,
- The amount paid will be subject to the associated deductible and/or
- The amount paid will be less any associated deductibles and/or co-payments.
- Hospitalization Claims
- Where conceivable and with adequate notification, we will In case of hospitalization, we will arrange direct settlement with the insurance company.
- In case of hospitalization payment will be subject to the following conditions
- paid according to deductibles, copayments and benefit limits.
- Prior authorization is required for direct billing of medical facilities.
- Also required when using other insurance benefits.
- Also required when using other insurance benefits.
- (Please refer to the policy conditions). In addition, your doctor will
- required to fill out a Treatment Guarantee Form. We will
- Contact us at least 5 days prior to your scheduled hospitalization.
- Please contact us at least 5 days prior to your scheduled hospitalization.
- Please contact us at least 5 days prior to your scheduled hospitalization.
- In case of emergency
- As soon as you know you need inpatient care
- Please contact the Emergency Medical Assistance Helpline.
- Please contact the Helpline. In the unlikely event
- You need urgent medical treatment
- If the urgent care you need is not available locally or if you are in a situation where you cannot get to the phone
- If your phone is disconnected
- 24-Hour Emergency Assistance Center
- Call the 24-Hour Emergency Assistance Center at +44 (0)20 7590 8816 within 48 hours.
- The 24-Hour Emergency Assistance Center is staffed by
- operated by a team of multilingual specialists.
- We will make the essential game plans for your benefit.We will make the necessary arrangements on your behalf.
- We will answer all your medical questions and advise you on what to do next.
We will advise you on what to do next.
What is prior authorization?
Prior authorization is required if
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- – All hospitalization benefits listed
- – MRI (magnetic resonance imaging) scans
- – Treatment facilities and home health care,
- – Psychiatric, Mental, Neurological, Disability, Alcohol, Substance Abuse, and Speech Therapy
- Substance abuse, speech therapy,
- – Pregnancy and childbirth (inpatient care only
- (only),
- – Ophthalmic surgery
- – Chronic Illness/Impracticable Disease/AIDS (inpatient and day care treatment only),
- – Medical evacuation or repatriation,
- – Expenses for one companion
- Evacuation or repatriation, cost of one companion
- – Repatriation of remains
Why is prior authorization required?
Preauthorization is required for the following reasons
Necessary to ensure that all expenses are fully covered under the plan. As with all health insurance policies
- As with all health insurance policies, our plan
- covers only medically necessary treatment.
- covers only necessary treatment and reasonable and customary charges.
- Only charges will be covered. Therefore, before treatment
- You must contact us prior to treatment to
- To ensure that the treatment is medically necessary and that the cost is reasonable
- We will verify the reasonableness of the cost.
- Following the prior authorization process will allow us to
- Your treatment will be free from financial concerns and
- free from financial concerns and
- you can focus on your treatment. In addition, prior authorization helps
- you to provide better service:
- For planned treatment, there is time to contact the hospital.
- There is time to stay in touch with the hospital.
- We guarantee smooth hospitalization and direct payment.
- In case of evacuation and repatriation
- In case of evacuation and repatriation, we can arrange and coordinate the evacuation on your behalf.
- We can arrange and coordinate the evacuation on your behalf.
- What occurs assuming I neglect to get earlier approval?We reserve the right to deny a claim if prior authorization is not obtained for benefits that require prior authorization.
- We reserve the right to deny the claim. If it is subsequently determined
- If the treatment proves to be medically necessary
- We may pay only 50% of covered benefits.
In the case of hospital expenses insured by the Company
The policyholder agrees to reimburse the Company for any Hospital Expenses guaranteed by the Company prior to the Insured Person receiving treatment.
In the case of hospital charges guaranteed by the Company prior to the Insured Person receiving treatment, the Policyholder agrees to reimburse the Company for the deductible and co
The policyholder agrees to reimburse the Company for any hospital charges guaranteed by the Company prior to the insured undergoing treatment.
The policyholder agrees to reimburse the Company for any hospital charges guaranteed by the Company prior to the insured’s receipt of treatment.
The insured agrees to reimburse the Company for any hospital charges guaranteed by the Company before the insured receives treatment.
- We will settle claims/invoices in the policy currency unless otherwise requested.
- However, this does not apply if specifically requested.
- We will do the following. We shall not settle claims/claims in the currency
- We are not responsible for any losses that may occur due to fluctuations in exchange rates, or bank charges that may occur due to fluctuations in exchange rates or bank charges incurred in receiving bank transfers or foreign bank drafts.
- We are not responsible for any bank charges that may be incurred in receiving bank transfers, foreign bank drafts, or
We are not responsible for any bank charges you may incur when you cash a check from us.
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