IntegraGlobal (Integra) is a UK company, based in Haywards Heath, West Sussex, that acts as a managing agent of LAMP Insurance Company Limited which has a Branch office in Gibraltar.
LAMP is a specialist insurer focusing on International Healthcare, Legal and Special Lines insurance in niche markets worldwide.
Integra has been in business since 1999, making it one of the most long established managing agents in the market.
The company sees itself as a specialist in providing medical cover to organisations and individuals with unique health protection needs, such as :
- marine professionals
To Integra's way of looking at things, their specialty is the uncommon.
They like to apply our understanding and experience to such unique groups.
By doing so, they are confident of developing unique international health plans that offer:
- outstanding protection,
- excellent value and
- hands-on unbeatable personal service.
We feel that one of the hallmarks of Integra's way of operating is that they understand the need to provide a well designed plan that provides adequate protection for the long-term risk issues, while at the same time, having useful benefits for the day to day issues and yet, be at an affordable price.
Since 1999, Integra Global has grown organically expanding its operations based on direct demand and member support. The company is far more driven by quality and member satisfaction than sales.
The Integraglobal health plans offer excellent value for money, achieved in part by:
- Containing cost:
- Integra's overheads are far below the levels the major multi-line insurers.
- It maintains a decentralized corporate structure - regional operations in Asia, Europe, Gulf and the US.
- Rather than extensive advertising budgets, or highly inflated staffing levels that the major insurers must absorb, Integra concentrates on partnering with select brokers in key markets with a view of expanding our business mutually.
- Requiring all applications to be made on line; thereby significantly streamlining policy production and reducing misspellings of names and addresses, thus ensuring name cards are correct and members hospital admissions are not unnecessarily joepardized.
- Direct Bill Networks
- Integra has extensive Direct Billing Networks in Asia, the Gulf and US. The network's credential providers and check the accuracy of claims. Networks offer providers volume in turn they can negotiate more favorable rates for services and treatment reducing costs. Single payments the networks multiple providers reduces administration and direct costs of paying individual claims directly. Moreover, direct billing offers our members the convenience of seamless access to providers and not having to pay and claim.
- Well designed plans
Integra's plans are well thought out with the best long-term interests of members in mind.
- Full Chronic condition cover
- Excellent wellness benefits
- Fully transparent underwriting so you know exactly where you stand, ahead of a claim.
- No limits on:
- outpatient cover,
- specialist care,
- prescription drugs,
- chronic conditions
- Option of lifetime cover after age 69
- Innovative options of
- deductibles and
- co-pays whereby 90% of the cost is reimbursed, but with an out-of-pocket limit that means your financial hardship is capped..
(Even BUPA Global's new 'Elite' plan or Henner's Care & Health plans do not offer this cap.. )
- Doing what it does best
By focusing on sales and servicing, and delegating claims handling to Lamp Insurance specialist claims division, Integra stays within its core competence
Integra has 4 plans available to suit your budget and lifestyle
Personal Health (Budget)
- your Life
- your Family
- Premier Life
- Premier Family
Continuous Protection until the Age of 100
“HealthCare 100” Critical Illness Protector is available to those aged between 15 days and 65 years, and provides protection against Critical Illnesses up to the age of 100 of the insured.
Comprehensive Protection for Contingencies
In addition to covering the most common Critical Illnesses such as cancer, heart attack and stroke, this plan offers comprehensive protection against other conditions such as Systemic Lupus Erythematosus with Lupus Nephritis and Kawasaki disease. The insured will receive up to 100% of the sum insured plus Terminal Dividend (less the total Living Benefits already paid (if applicable)) if diagnosed with a Critical Illness covered by the plan.
Varying Compensations According to Differing Severity Levels Grant Peace of Mind
The illnesses covered by the plan are classified into Severity Level 1, 2 or 3 (with Severity Level 3 representing the most severe group). The insured will receive Living Benefit amounts to 20%, 50% and 100% of the sum insured respectively, to settle corresponding medical expenses upon diagnosed with any of the Critical Illnesses covered by the plan. Less severe critical illnesses can become severe if proper treatment is not given, therefore some less severe critical illnesses or operations – such as Carcinoma in Situ, Less Severe Heart Attack, Minimally-Invasive Direct Coronary Artery by-pass and Early Stage Dementia – are covered by this plan. This protects the insured against a variety of conditions and allows him or her to receive treatment without having to worry about any financial burden. For details, please refer to the List of Critical Illnesses Covered under “HealthCare 100” Critical Illness Protector.
In the unfortunate event of the Insured, 100% of the sum insured of the plan plus Terminal Dividend (less the total amount of Living Benefit already paid) will be offered to the designated beneficiary.
Wealth Accumulation and Protection Rolled into One
In addition to coverage for Critical Illnesses and life protection, this plan will help to build up your wealth. Its Guaranteed Cash Value together with the Terminal Dividend (less total amount of Living Benefit previously paid) will be paid when you surrender the policy or when the policy matures. Apart from enjoying protection up to the age of 100, you will also enjoy enhanced financial security while in good health.
Extra Compassionate Death Benefit
If Living Benefit has been paid for a Critical Illness of Severity Level 3 (except Terminal Illness and Total and Permanent Disability) and “Multi-Care Premier Protector” remains inforce, the premium of “HealthCare 100” Critical Illness Protector will be waived thereafter, and a Compassionate Death Benefit of US$1,000 will be paid in the unfortunate event that the insured passes away. The Compassionate Death Benefit is only applicable to the insured with additional protection under the rider “Multi-Care Premier Protector”.
Free Value-added Services Amount to 360-degree care
Patients always need continuous extensive care after discharge, “HealthCare 100” Critical Illness Protector specially offers you the Family Protection for free. This provides additional support such as physiotherapy and occupational therapy referral, free post-treatment transportation, diet consultation referral, as well as temporary tutorials for dependent children. Such benefits serve to dispel most common worries during recuperation. Please contact the service provider for details.
Global Advance Care
When sickness occurs, patients always want to seek various professional medical opinions to find out the most suitable treatment. That’s why “Global Advance Care” – which covers over 200 specified illnesses – has been built into the “HealthCare 100” Critical Illness Protector. When a specified illness is suspected, the insured can seek a medical second opinion from a world-leading medical centre for free, without having to wait for a Critical Illness claim to be approved. Please contact the service provider for details.
“Family Protection” is provided by Inter Partner Assistance Hong Kong Limited; “Global Advance Care” is provided by MediGuide America. Ageas reserves the right to switch service provider(s) without any prior notice and is also not liable for the service provided by the service provider(s).
Level Premiums and Flexible Premium Payment Period for Individual Needs
“HealthCare 100” Critical Illness Protector offers level premiums payment and flexible premium payment period including the payment term of 5, 10, 15, 20 and 25 years. It allows you to command full control over your financial planning.
Extend Your Protection with Optional Benefits
You can choose to build even greater protection by combining a wide range of optional benefits, such as hospitalization, accident protection, or term life insurance – and this can be done during or after enrolling in the “HealthCare 100” Critical Illness Protector.
Free Worldwide Emergency Assistance Services
After enrolling in the “HealthCare 100” Critical Illness Protector, you become entitled to 24-hour worldwide emergency assistance wherever in the world you may be.