Integra – Medical Insurance for Uncommon People
Integra Global is a different breed of international health insurance plan. They work to create plans that strike the right balance of protection and value. Integra Global works with its customers to tailor a suitable plan for the individual’s requirements, rather than the customer building a plan from predefined modules that may not provide precisely the coverage they want. The company treats every customer as an individual and prides itself on its deep-rooted understanding of people’s needs.
Integra Global Insurance, a business built by expats, has your well-being at heart. They have a simple and seamless insurance buying process because they understand the extensive journey expats take while moving abroad, whether it’s for work or for other reasons. Purchasing a plan from Integra means working together to create a bespoke plan that includes everything you and your family need.
Why Choose Integra Global Insurance?
Expatriate Assistance Program
The Expatriate Assistance Program helps expatriates overcome issues, such as culture shock, loneliness and adapt to their new home.
Security and Natual Disaster Assistance
Integra members have access to our specialist representatives who provide a 24/7 international emergency response in events such as security crises, political unrest and natural disasters.
Direct Billing
Integra Global works with many hospitals worldwide to provide direct billing arrangements for members, so you don’t have to pay out of pocket upfront.
Coverage Areas
Integra Global’s two coverage areas are Worldwide and Worldwide Excluding the U.S., Canada and their territories. Please note that coverage in the U.S. is limited to 180 days in any 12 month period.
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Integra Global Health Insurance
Integra – Medical Insurance for Uncommon People
Integra Global is a different breed of international health insurance plan. They work to create plans that strike the right balance of protection and value. Integra Global works with its customers to tailor a suitable plan for the individual’s requirements, rather than the customer building a plan from predefined modules that may not provide precisely the coverage they want. The company treats every customer as an individual and prides itself on its deep-rooted understanding of people’s needs.
Integra Global Insurance, a business built by expats, has your well-being at heart. They have a simple and seamless insurance buying process because they understand the extensive journey expats take while moving abroad, whether it’s for work or for other reasons. Purchasing a plan from Integra means working together to create a bespoke plan that includes everything you and your family need.
Why Choose Integra Global Insurance?
Expatriate Assistance Program
The Expatriate Assistance Program helps expatriates overcome issues, such as culture shock, loneliness and adapt to their new home.
Security and Natual Disaster Assistance
Integra members have access to our specialist representatives who provide a 24/7 international emergency response in events such as security crises, political unrest and natural disasters.
Direct Billing
Integra Global works with many hospitals worldwide to provide direct billing arrangements for members, so you don’t have to pay out of pocket upfront.
Coverage Areas
Integra Global’s two coverage areas are Worldwide and Worldwide Excluding the U.S., Canada and their territories. Please note that coverage in the U.S. is limited to 180 days in any 12 month period.
Integra Global Medical Insurance Plans
Integra Global insurance plans offer a broad array of benefits. Subscribers choose a foundational plan, which is then tailored to their needs. All Integra medical insurance plans include inpatient cover; 24/7 emergency assistance; emergency evacuation, repatriation and ambulance services; life cover (life insurance); security and natural disaster (SAND) services; secure eHealth records; and the yourHealth app, which includes all your plan information, your medical records, your plan ID card and much more.
Individual Plans from Integra Global
Integra Global yourLife Plan
The yourLife plan is Integra’s comprehensive health insurance plan for individuals living internationally. It provides wellness and preventative benefits, 24/7 emergency medical assistance, vision care coverage, mental health benefits, and even an expatriate assistance program to help you adjust to your new home. (Integra also offers a family version of this plan – see below.)
Integra’s Global Provider Network
International Network of Hospitals and Doctors
Integra healthcare gives you the freedom to choose any hospital or doctor you wish to receive treatment from. They will work together with any doctor and hospital around the world, provided that they are properly licensed and qualified to treat the medical condition. Two of the coverage area options, China/Hong Kong/Singapore and the UAE, have elected network tier options (see below for further details). Subscribers who opt for coverage in the USA will see much higher benefits when using the Integra Preferred Provider Network (see below).
Expats in China or Singapore
Integra has elected network tier options for residents in China, Hong Kong, Macau, and Singapore. They offer Platinum, Gold, and Silver network provider plans. These are based on the accommodation and the level of charges made, and not the standard of medical treatment or the level of the medical facility. Each tier group is provided with an extensive list of healthcare providers, and members are able to choose any provider within their network. Members are allowed to seek treatment from a doctor outside of their network, but co-insurance will apply. There is a possibility you could pay up to 50% of your medical treatment charges yourself if you go out of network. If these expats travel outside China, Hong Kong, Macau and Singapore, they are not restricted to the tier network.
Expats in the United Arab Emirates (UAE)
Expats moving abroad to the UAE and GCC area will also have a tiered healthcare network. Integra Global has partnered with MedNet to supply its customers of the UAE with an extensive network of hospitals, clinics, and pharmacies. The UAE network is structured based on the quality and price of healthcare physicians and hospitals. The Gold tier network provides members with access to the greatest healthcare providers, along with access to more expensive international private clinics. The Silver Premium and Silver Classic network tiers are less expensive and members are provided with access to over 1,000 excellent medical providers. All services are direct-billed to Integra. Members that go outside of their network in the UAE will need to pay and then claim, and may only have a portion of their claim reimbursed to them. Integra urges members to take advantage of substantial discounts if they do not need extensive care while abroad in the UAE. Use the MedNet provider network to locate healthcare professionals available to you in the UAE and GCC.
USA and Canada Preferred Provider Network
Choosing a plan that includes international health insurance coverage in the USA and Canada will cause your premium rate to go up because of the higher cost of healthcare in the USA. The plan provides up to 180 days of cover in the US in any 12-month period. Subscribers will receive all the benefits of their plan if they use the Preferred Provider Network (currently UnitedHealthcare), but their benefits will be reduced to 70% if they see an out-of-network provider.
Expats who are U.S. citizens or that regularly spend time in the USA should consider including U.S. coverage if they plan to return to the United States during their period of time abroad. Including U.S. coverage is overall beneficial for expats and their families who spend time in the United States because if an accident occurs and medical attention is required, you may seek care in the USA. It also allows subscribers to travel to the USA for medical care if they wish to have a higher quality of care than is available in the country they reside in.
Integra Healthcare Services
Claims Service
There are three different ways in which you can settle your claim with Integra Global. (Please note that the UAE has its own claim rules – see below.) The first option is pre-authorization and direct billing, which is managed by Integra’s partner, Medical Administrators International (MAI). You must contact MAI seven working days before your planned treatment and submit your claim form via the yourHealth app or email it directly. The second option is paying your provider for your treatment in full and then seeking reimbursement from Integra. All claim forms must be submitted via the yourHealth app or by email 180 days prior to your treatment. Lastly, if you received emergency medical assistance, Integra’s partner, NorthcottGlobal Solutions (NGS), will settle costs directly with your provider.
Claims for UAE subscribers differ from the other two coverage areas. The UAE area uses the MedNet International Network to track direct billing, pre-authorization, and claim reimbursement. To claim for treatment inside your provider network you must submit a reimbursement form online within 180 days of your treatment. To claim for treatment above $500 outside of your provider network you must call MedNet for pre-authorization and submit a claim via the MedNet portal. Direct billing is only available for treatment provided by doctors in your tier network.
yourHealth Smartphone App
Integra Global has developed an app for its members, which provides them with safe and convenient access to their insurance policy plan anywhere in the world. If you have an iPhone, the yourHealth app integrates with the Apple Health app, so you can build up a better picture of your health over time. Medelinked, a leading digital health records company, has partnered with Integra to provide members with access to their online health records and share them with healthcare providers through the yourHealth app. Within the app, members can also:
- Access ID card and personal information
- Pre-authorize treatment
- Submit a claim
- View policy documents
- Contact the Member Care team
Integra Health Expat Assistance Program
Integra Global Insurance Group created the Expat Assistance Program to provide care for every aspect of a member’s well-being. The EAP is provided through one of Integra’s partners, Morneau Shepell, and includes confidential professional consultation and information services. The program also includes a database of online resources to help expats manage their work-life balance and personal wellbeing while working abroad. The service is of no cost and is included in every plan offered by Integra. To access the service you can call one of the regional contact numbers or visit the Morneau Shepell site directly. The EAP service can help members:
- Cope with isolation and loneliness
- Adapt to a new country and lifestyle
- Identify and deal with culture shock
- Deal with stress, anxiety, and depression
- Address alcohol and drug misuse
- Resolve marital and relationship difficulties
- Find solutions for work-related issues
- Access crisis and trauma support while on assignment
