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Good Health Discounts |
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Discounted premiums for those with "Good Health" currently and in
recent years · Families & Individuals allowed to join group discounted policies for those in good health · Benefits & coverage retained at same levels for special "Good Health" master policy enrollees · Save 5 to 10% for No or Low-claims discount awarded to those with good claims history Some International Medical Insurance Companies handled by Omni offer discounted Premium Rates to applicants that qualify entry into their special "Good Health" group master policy. This was created for those people considered to be in "Standard" good health who have a No or Low-claims history over most recent years. It is similar to a No-Claims discount that we are familiar with when buying other insurance policies. This particular offer is only made to individuals and families. Thus the little guy can get a similar benefit as a formal group commonly can. It is not available to group applicants at all. The discount ranges from 5 to 10% depending on plans and premiums chosen. No difference in coverage exists between being a member of this group plan versus that in the Plan Company's regular policy. Policy wordings are the same. The policy was simply set-up to award deserving people in good health with a special plan price and thus gathers more business from such a niche market segment. The determination of entry qualification is based on applicant's declarations made on the "Request for Quotation" form, answers to which must also be reflected identically in their actual plan company application to be completed at enrollment. The form asks medical history questions dating back two to five years. On certain medical conditions it will ask even further back. If the applicant basically does not honestly have any history of major medical care or a current condition then Good Health status may be granted. If granted the applicant is allowed to enroll into the special group master policy at a discount and will be issued an individual ID Card per person insured along with a plan certificate per family. A group member may ask to review the Master policy at any time. Copy is kept with the Omni Medical Plan Bureau, which is Broker and Designer, as well as with the Plan Company. Certificates contain in writing all major terms and conditions of the Master policy that describes coverage and answers more commonly asked questions. |
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OMNI is an active member of: American Chamber, Canadian Chamber, European
Chamber, Australian-New Zealand Chamber, Lighthouse Club, Le Club, British Business Association. |
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