Optimum Global’s international health insurance plans are specifically designed for expats, individuals, and families living or working abroad. New applicants can join for full medical underwriting up to 79 years of age, and groups of 5 or more employees may also be eligible for Medical History Disregarded (MHD) underwriting.

Optimum Global offers comprehensive international health insurance with a wide range of benefits designed to cover various medical needs for expats. These typically include Hospital and Related Services (such as in-patient accommodation, surgery, intensive care, cancer treatment, and kidney dialysis), Emergency Medical Evacuation and Repatriation, and various Out-patient Benefits (like GP and specialist consultations, prescribed drugs, diagnostic tests, physiotherapy, and alternative medicine). Depending on the specific plan chosen, benefits can also extend to Maternity, Dental, and Optical coverage, along with a Well-being benefit.
There are 5 tier plans: Sapphire, Ruby, Jade, Emerald, and Diamond

Coverage for pre-existing medical conditions may be available with Optimum Global, though it depends on the type of underwriting applied to your policy. Generally, pre-existing conditions are excluded; however, for individual policies under Full Medical Underwriting (FMU), you declare your medical history during application, and Optimum Global may agree to cover certain pre-existing conditions, potentially with specific terms or a premium adjustment. For corporate policies, if your group qualifies for Medical History Disregarded (MHD) underwriting (typically for groups of 5 or more employees), pre-existing conditions are covered without individual exclusions or medical questionnaires, offering comprehensive protection for all eligible members.

Yes, your premiums with Optimum Global may increase upon renewal. Several factors typically influence premium adjustments, including:

• Age: As you get older, the risk of requiring medical care generally increases, which can lead to higher premiums.
• Medical Inflation: The overall cost of healthcare services and new medical advancements tends to rise globally, affecting insurance premiums.
• Claims Experience of the “Community”: As Optimum Global operates on a Community-Rated basis, the overall claims experience of the entire pool of insured members can influence general premium adjustments across policies. This means your individual claims in the past year typically won’t directly increase your premium, but broader trends within the insured community might.
• Changes to Your Plan: If you choose to upgrade your coverage (e.g., move to a higher tier plan like Diamond, reduce your deductible/excess, or add benefits), your premium will increase accordingly. Conversely, downgrading your plan may lower it.
• Geographical Location: If you move to a country with higher healthcare costs, your premium may increase to reflect the new cost of care in that region.
• Changes in Taxes or Levies: Any changes to insurance premium taxes, VAT, or stamp duty imposed by governments can also affect your premium.
• Changes in Policy Terms & Rates: Optimum Global reserves the right to review and adjust premium rates for groups of policies due to various reasons, such as unanticipated increases in overall claims or changing economic conditions. You would typically receive advance notice (e.g., 30 days) of such changes.

Yes, you can spread out your premium payments with Optimum Global. Options include semi-annual payments, which incur a 3% surcharge, or quarterly payments, which have a 5% surcharge.

Yes, Optimum Global allows companies to set up group health insurance plans. They specialize in providing international medical insurance for companies, including expatriate workforces.

A key feature for these group plans is the availability of Medical History Disregarded (MHD) underwriting, which can simplify enrollment by covering employees’ pre-existing conditions without individual medical questionnaires. This MHD option is typically available for groups of 5 or more employees.