Group plans generally provide better coverage than individual plans. This is because your High End Medical insurance group policy can include pre-existing conditions whereas individual policies generally exclude pre-existing conditions. These policies are known as MHD (medical history disregarded) policies. Insurers are happy to cover pre-existing conditions in group policies because they receive good premiums from the entire group. We can also offer supplementary insurance for local nationals in China.
Covering Your Group
Your group may be among others a company, sports club or social club. We can offer premium discounts on medical insurance and customize your coverage for whichever group you fit into.
For your Business Insurance needs, such as Product Liability, Employer's Liability, Machinery breakdown cover etc, visit our Business Insurance page to learn more.
The group health insurance plans can include deductibles (excess) to keep your premiums low and minimize the plan administration. Our advisors can tailor your group plan to allow employees of different levels to receive alternative benefits and coverage. Your group plan can be customized to include benefits such as dental, maternity, personal accident, medical evacuation and many others.
If a member leaves the group, many insurers will allow them to change to an individual plan and allow all pre-existing conditions coverage to remain the same. This is a significant advantage for the policy-holder. Group health insurance policies are not country specific so if a member was to relocate to another country the coverage would go with them.