Healthcare International
HealthCare International (HCI) is a managing agent based in London, UK, with more than 35 years experience in the International Insurance sector.
HCI's insurance programmes cover:
- Health insurance
- Worldwide travel Insurance
- Life insurance, Critical Illness and Income Protection Insurance
to expatriates around the globe.
The company has sales offices in London & Dubai with the UK office also handling claims.
HCI clients can call a dediciated HCI staff who will verbally confirm authorisations and help make arrangement to pay most providers, physicians and specialists directly in most currencies. This helps ensure you are seldom goingto have to pay a bil,l as HCI will settle directly with the doctor, clinic or hospital.
Clients will have a specific point of contact within Navigator to assist in negotiating any claim issues that may arrise.
HealthCare International is authorized and regulated by the Financial Conduct Authority in London (you can confirm this on the FSA website www.fca.org.ukunder the FCA Register section)
HCI complies with the Financial Ombudsman Service and we is a Founder Member of The Association of International Medical Insurance Providers (AIMIP). http://www.aimip.org.uk/
As a company that is offshore in Hong Kong, all our clients need to complete and sign a 'Notice to Client' form.
The benefits of HCI's international health insurance include:
- access to more than 7,000 worldwide medical centres and 350,000 physicians and nursing staff in more than 160 countries
- its own 24-hour, 365-day medical emergency assistance service centre, staffed by Case Managers, doctors & nurses with access to global healthcare network of medical professionals and centres.
- providing emergency transport to the nearest appropriate medical centre, or repatriation 'home'. (Note: Members can choose where they have treatment in any country of their choice, even the US if you have chosen the worldwide option, PROVDING HCI pre-authorises the treatment.)
Membership is open to virtually everyone, provided they join before the age of 75.
Even after age 75 you may find HCI willing to accept you, though in this case they will need to ask a additional medical questions.
Individual Medical Insurance
"Emprean" Highend Healthcare
EMPYREAN is HCI's concierge level plan designed for the international executive and his/ her familiy.
There are 3 tiers available
- Prestige
- Ultra
- Elite
EMPREAN provides benefits and services dependent upon a tier plan, to include:.
- Personal Dedicated Health Manager •& Team Personal Health Optimisation Manager
- & Medical Team World leading bespoke Health
- Optimisation Program Fully comprehensive International
- Medical Insurance Cover • Medical Evacuation Services
- 24/7 On call Medical Advice Line 24/7 Translation Service (by • arrangement) Dedicated Lifestyle and Concierge
- Services Personal Security, Tracking and Risk
- Consultancy Services
- Travel Tracking and Feedback Service Travel Insurance
- Portable Electronic Medical Passport
- Guaranteed Renewal Discount
HCI - Empyrean Global Health Insurance Plan - Brochure - 2014
HCI - Empyrean Global Health Insurance Plan - Table of Benefits - Ultra - 2014
HCI - Empyrean Global Health Insurance Plan - Table of Benefits -Prestige - 2014
HCI standard individual cover
Group Medical Insurance
For employers, HCI offers Group Programmes that may be tailor made if its standard plans don’t quite fit company health care requirements.
Frequently Asked Questions ~ FAQ's HCI Worldwide Protector Medical Plans
The following information is a general guide to HCI Protector plans, and do not constitute provision of advice or indicate that a particular product is right for you.
1. Who is eligible to apply for cover?
Almost any expatirate can purchase an HCI medical policy. An expatriate is anyone who is away from their Horne Counwy for at least six months, of the year. To apply you need to be over 18 and under 75.
2. To what extent are HCI plans guaranteed renewable?
HCI plans are anually renewable for the whole of life; the only proviso being that you must he aged under 75 when first applying.
3. When can cover begin?
You can apply up to 30 days prior to when you want cover to begin.
Underwriting is normally completed within 5 days, assuming you have provided all medical information requested!
4. What about pre-existing medical conditions?
According to HCI's definition a pre-existing condition could be an injury, illness, condition, or symptom for which treatment, or medication, advice or diagnosis has bean sought, or was received or was forseeable by you, in the last five years prior to you joining the policy.
Any illness. or condition occurring between the time you submit your application and the agreed start date of the policy will also be considered a pre-existing medical condition. In this regard HCI takes a view that is mirrored by all individual medical insurers we know.
5. What is a moratorium?
A moratorium is a two year period prior to you joining the HCI scheme, when:
- treatment,
- medication,
- advice, or
- diagnosis
was
- sought,
- received, or
- was foreseeable
by you that will not be covemd by HCI for the next two years..
This it subject to you not receiving any further:
- treatment,
- medication, or
- advice
for these pre-existing conditions in the next two years or five years for Cardiac or Cancer conditions.
5. Are there any occupations that are not eligible to take our cover?
YES! There are some professors, such as police, the armed forces, and sports prolestionals that require underwritng evaluations and are subject to plan conditions and restrictions. For further information please contact us at crew@navigator-insurance.com
6. In which countries can I have my treatment?
You can choose to have your treatment anywhere in the world, subject In the plan you choose, your area of cover. and pre-autholisation.
Treatment in the USA and Hong Kong however, is only available if you opt for 'Worldwide including USA and Hong Kong, which is necessary for any member residing in the USA or Hong Kong. unless you are a USA or Hong Kong citizen who spends part of the year back home and is covered under a domestic/local plan or entitled to state benefits.
Selecting HCI's 'Worldwide excluding USA and Hong Kong' cover option does not prevent you from travelling there HCI we will cover eligible emergency medical treatmentt up to:
- 30 days (Ernergency Plus, Standard and Plus Plans)
- 60 clays (Premium and Executive Plans)
per policy year.
7. Does eveyone in the same family have to have the same of cover?
Yes - you and your dependents will be covered on the same plan with the same chosen deductible / excess and Co-Pay. An age-rated premium applies for each insured member.
8.What isn't covered by HealthCare International?
HCI does not cover pre-existing medical conditicms during the moratorium period and a list al general exclusions that you will find in most medical International Private Medical Insurance (IPMI) policies,
9. How does the Zero, USD250 adn USD1000 deductibe / excess work?
After you have met the respective deductible, which is applied per condition (not per year), your benefits will be come available.
The benefits of HCI's Worldwide Travel insurance include:
- an annual multi-trip travel plan for the most frequent global travellers, which will cover as many trips abroad, to any destination, that you wish to make each year, up to a maximum of 90 days per trip
- a single trip travel plan, to cover trips abroad of up to 90 days.
- All travel insurance plans cover:
- cancellation of flights
- curtailment of travel arrangements,
- medical expenses,
- accidental loss, damage or theft or your possessions
- lost baggage, personal possessions, money and documents, such as lost passport or tickets.
HCI offers these international travel insurance plans on an individual or family basis.
In the case of children, however, any child traveling under 18 must be accompanied by an insured adult.
In the case of businesses or organisations needing cover, or even associations and other groups with a shared interest, speak to us at Navigator and we will design a plan that suits your purpose!
The benefits of HCI's Life Plans are:
- a choice of cover options and premiums appropriate for your particular circumstances
- flexibility to reflect your new circumstances - for example, new-borns or a house purchase
- 24-hour claims line, 365 days a year, for immediate emergency assistance and advice
The benefits of HCI's Critical Illness Plans are:
- a choice of cover options and premiums appropriate for your particular circumstances
- flexibility to reflect your new circumstances - for example, new-borns or a house purchase
- 24-hour claims line, 365 days a year, for immediate emergency assistance and advice
HCI's critical illness plan provides you with a lump sum cash payment if you are diagnosed with a critical illness. And for extra security, their income protection plan covers your ongoing financial obligations if you suffered an accident or injury, serious enough to keep you away from work for an extended period.
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How to make a Claim
Whenever you visit a general practitioner, dentist, physician or specialist on an out-patient basis, please make sure you take the HCI Claim Form with you.
Fill in the section that is assigned to you, then date and sign the Claim Form.
Make sure that your doctor provides all relevant medical information, including diagnosis, in the specified section and then dates, signs and stamps the Claim Form.
Attach all original supporting documentation, invoices and receipts (e.g. general practitioner/physician invoices, pharmacy receipts with related prescriptions, if available), and post to Navigator's claims department using the FREEPOST address:
HCI CLAIMS
NAVIGATOR INSURANCE
FREEPOST 10
GPO HONG KONG
Remember, a separate Claim Form will be required for each person claiming and for each medical condition being claimed for.
Specify on the Claim Form how you would like to be reimbursed and also the currency in which you wish to be paid. Otherwise the benefit due to you will be paid in the currency of the invoicPlease note that the incurred costs will be reimbursed within the limits of your policy, after taking into consideration any required Pre-Authorisation and will be net of any deductibles or co-payments mentioned in the Table of Benefits or your Certificate.
What is Pre-Authorisation?
Pre-Authorisation is a process whereby HCI'S claims department guarantees cover for certain in-patient or outpatient treatments and costs.
The process requires that a Treatment Guarantee Form is completed by your physician and emailed (claims@navigator-insurance.co) or faxed (852 2530 2530) to Navigator's claims department for approval prior to treatment.
When is Pre-Authorisation required?
Pre-Authorisation is required for the following:
- All in-patient benefits as listed,
- MRI (Magnetic Resonance Imaging) scans,
- Convalescent facility and home nursing care,
- Psychiatric, mental, nervous, disorders, alcohol, drug abuse and speech therapy,
- Pregnancy and childbirth (in-patient treatment only),
- Eye surgery,
- Chronic disease/dread disease/AIDS (in-patient and daycare treatment only),
- Medical evacuation or repatriation,
- Expenses for one person accompanying an evacuated/ repatriated person,
- Repatriation of mortal remains.
Why is Pre-Authorisation required?
Pre-Authorisation is necessary in order to ensure that all costs are fully covered within your plan.
As with all health insurance policies, your plan with us will only cover treatment that is medically necessary and charges that are usual and customary.
Therefore, it is vital that you contact us prior to treatment so that we can confirm with HCI the medical necessity of your treatment, as well as the appropriateness of costs.
By following the Pre-Authorisation process, we can ensure that your treatment will be free from financial worries, allowing you to concentrate on getting better.
In addition, Pre-Authorisation will help us to provide you with a better service:
- In the case of planned treatment, we will have time to communicate with the hospital to facilitate smooth admission and guarantee direct payment.
- In the case of an evacuation/repatriation, we will be able to organise and co-ordinate the evacuation on your behalf.
What happens if I don’t obtain Pre-Authorisation?
Unless agreed otherwise between your employer and HCI, the following will apply.
- HCI reserve the right to decline a claim should Pre- Authorisation not be obtained for the benefits for which it was required.
- If it subsequently transpires that such treatment is proven medically necessary, HCI may only pay 50% of the eligible benefits.
- In the case of hospital charges guaranteed by HCI prior to the Insured Person receiving treatment, the Policyholder agrees to reimburse HCI with the amount of the deductible and any co-insurance specified in the Certificate, at the time, if HCI are required to guarantee such hospital charges.
What exchange rate will be used to settle my claim?
HCI will settle your claim / invoices in the currency of your policy unless it is specifically requested to do otherwise. HCI is not responsible for any loss you may incur due to fluctuations in exchange rates, or for any bank charges you may suffer when you receive a bank transfer, foreign bank draft or when you cash a cheque from HCI. 
If you are not completely satisfied with the level of service received or the outcome of a claim from HCI then please initially contact our Customer Care Team by email, crew@navigator-insurance.com or telephone +852 2530 2530.
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