· Top plans for those in groups wanting the best are either in packaged form or can be built
· Non-Medical insurance group plans are made conveniently available as optional covers
· Use of a Broker is most helpful when negotiating group terms for optional covers or policies

Most International Medical Insurance and HealthCare Plan companies offer group plans with an ability to add optional coverage, thus creating their "Best" or Top-Of-The-Line plan. Many plans do not automatically include maternity, dental, optometric, medical evacuation, waiver of deductible, personal accident, travel insurance, broad sporting risks coverage, private room hospital accommodation, chronic and/or pre-existing condition cover. They tend to offer a series of two or three levels of "Standard" plans. Their top-level plan often includes many of the items noted earlier. However, additional items or modules can be added by paying additional premiums. This additional premium is quite attractively low when building such optional coverage onto a standard top level plan offered. Employers may have multiple plans in a group policy. This allows Top plans for senior Execs separate from other group members.

A few plan companies also offer personal liability, term life and income protection. Always remember companies expect and assume group applicant's occupations are a low or an average risk class of "one" or "two". More hazardous occupations are classified higher in number rating and higher in premium cost as well. To be certain members will be covered on and off the job, describe their work in some detail plus request confirmation of occupational cover as being part of the group plan quoted. Keep copy of your original applications submitted and correspondence between you, the plan company and your Broker.

A Top-Of-The-Line plan will include both In and Out-Patient cover. Commonly no deductible or co-insurance will apply. Maternity, dental and medical evacuation will be included, too. The disability limit will always exceed $1M in the top plans and often private hospital room cover is granted. Other benefit options can be endorsed onto the group policy or written as additional policies from the same Plan Company. You can always add or delete optional covers but usually plan companies require you to do so only at renewal dates. Detail your initial "TOP" plan requirements with your Broker. Once set up it is easy for the Broker to handle future plan changes for your group and the service is rendered FREE.