Worldwide Health Coverage for Expatriates
We can insure just about anyone from anywhere going anywhere.
You may need a comprehensive health plan because you are moving to a new country where you do not have access to public health coverage or you may being on an extended trip (perhaps sailing around the world) and want better coverage than standard travel health insurance.
The sub-pages in this section for expatriates are being developed to provide useful information, plan options, comparisons, and recommendations that suit each type of scenario. In the meantime the plan information below is relevant to people working and retiring away from home, and for international travellers who want more than standard travel health insurance.
The DCIS Expatriate Health Insurance Plan
As more and more people are living outside their home countries, the need for personal Expatriate health insurance continues to grow. With the cost of health care services and medical evacuation, it is important to be insured with a reputable company that writes their guarantees directly into your policy.
Working with our Underwriters, we developed the DCIS Expatriate Health Insurance Plan to meet the needs of our expatriate clientele who demand top quality, comprehensive coverage that offers a renewability guarantee, and that is competitively priced.
Applications effective April 1 2008 though March 31 2009:
- Application #1 (
PDF, 73 KB )
For people whose primary location of foreign residency will be any country other than Canada - Rates for clients residing in Flordia (PDF, 74 KB )
For people whose primary location of foreign residency will be Flordia, USA - Application #2 (PDF, 97 KB )
For people whose primary location of foreign residency will be Canada. - Application #3 (PDF, 74 KB )
For Airline personnel and their families whose primary residence is outside Canada.
Summary of Benefits and Features of the Plan
Portability/ Worldwide Coverage
Living outside your home country your coverage will follow you as you travel the world, including extended trips back to your home country.
Guaranteed Ability to Renew & Premium Stability
Once you have been accepted onto the policy, you are eligible to renew to age 65 without the need for new medical evidence. Any medical condition that you develop after the policy is effective will be covered from that point on, provided you renew your policy with no lapses in coverage. Also, once you have been accepted onto the policy, your premium will not change based on any medical condition that you might develop. Provided you do not allow your coverage to expire, you will pay the same premium as everyone else in your age group.
Amount of Insurance
The policy has a lifetime maximum limit of $3 Million (CAD or USD depending on your selection).
Medical Benefits
This is a summary of coverage only. For complete policy details, please refer to the complete Policy Wording below.
- Hospital costs, including diagnostic testing, all medications and required treatment
- Prescription medication
- Private rooms
- Ground or Air ambulance as required to the nearest appropriate hospital
- Nursing at home is covered for up to 12 weeks per Injury or Sickness
- Dental injuries caused by an accidental blow to the face are covered up to $5,000
- Routine examinations are covered up to $300 after 6 months of continuous coverage
- Life Saving organ transplants are covered up to $200,000
General Provisions - April, 2008 to March, 2009
Major Medical Benefits - April, 2008 to March, 2009
Optional Benefits
Depending on your needs, the following optional benefits can be added to your medical policy:
- Maternity & Newborn coverage
- Dental coverage
- Accidental Death & Disablement coverage
- Life Insurance—available to working expatriates with medical coverage or as a stand alone policy.
- Long Term Disability Insurance—available to working expatriates with medical coverage or as a stand alone policy.
Claims Service
The most important aspect of any insurance policy is the claims service. Claims are handled by Norfolk Mobility Benefits Inc., an internationally recognized claims service that specializes in dealing with medical claims. The staff at Norfolk Mobility Benefits are committed to handling your claim in a prompt and caring manner. Through the services of medical assistance provider MEDEX, you also have access to a live call centre 24/7 to report a medical emergency, and to receive emergency assistance and medical evacuation.
- Claim Form (PDF, 65 KB )
Read about the Hygeia / First Health Network (PDF, 58 KB ) which is the Preferred Provider Organization (PPO) for receiving medical treatment in the U.S.A.
The DCIS Expatriate Insurance Plan is among the most comprehensive and valuable private health plans available in the world, especially in the market of plans offering worldwide coverage including the USA and Canada; should it not meet all of your needs, we will gladly take the time to determine the most appropriate plan for you. We are always willing to serve individual needs. Should you have a particular situation for which you require customized coverage, please contact us.