I’d like to inquire about global medical insurance for me and my family. We are a family of four: ages 42, 41, 7 and 5. My children and I are U.S. citizens and my husband is an Australian citizen. We currently reside in Hong Kong with no set time period to return to the U.S.
I was looking at your coverage online and have a few questions:
Is the annual deductible calculated per person or for the whole family?
What does ‘50% reduction within PPO’ mean?
Does our health insurance carry with us when we travel to other countries or would we need travel insurance if we were to travel outside of Hong Kong? Do you offer a combination of health and travel insurance on an annual basis?
Are there any countries in the world excluded from coverage?
Many thanks for your assistance.