Call us

03 6868 0679

Frequently Asked Questions

Anybody who lives outside of their home country and their indigenous spouses and children and applies before age 74 for all plans. Children can be covered immediately from birth.

Unfortunately, we do not offer short term insurance. Our minimum contract is 1 year.

Quote from Policy Wording updated in January 2022
No cover is available for coronavirus or any variant thereof or any other pandemic or epidemic, if you have not received the recommended vaccinations for your country of residence. We reserve the right to ask for proof of your vaccination status. In addition, no cover is available for fit to fly certificates or any testing when you are not displaying any symptoms and a test has not been medically recommended for you. No cover shall be payable for any non-medical costs, including but not limited to isolation or quarantine costs.

Yes, so long as it is within the geographical area you have paid for.

If you have two nationalities, sign up as a national of the country that you are least likely to stay or want to return to for medical treatment. Then you’ll have no home country restriction in the other country for which you hold a passport.

The primary applicant must be an expatriate, if you have a foreign spouse they can be covered and have no home country limitation. (eg. Japanese in Japan). If you want to return to your home country and keep the insurance going, then switch your spouse to be the primary applicant who will then be an expatriate. Then you can be the indigenous spouse with no home country limitation.

Not at all. You can carry on with MPIH Japan even though you are sent to work in another country. You will still be an expatriate. All you will have to do is inform us about your new residence address change and we will handle the rest. You will still receive our full support.

Yes, we don’t have an approved list. You can go to any hospital or clinic you like. You may want to check our resources page for reference.

Yes, we can arrange Direct Billing (DB) for you when you are about to be admitted to the hospital (in-patient treatment). Also, sometimes when an out-patient procedure is expensive.
You must inform us at least 48h before your admission. It will allows us to arrange everything for you.
Pre-approval is not necessary in case of emergency admission. However, we must be informed about hospitalization within 48h. The best is to contact your agent asap.

You may change your level of cover at your next renewal date and area of cover at any time. Obviously, if you upgrade, the waiting period for benefits such as routine pregnancy still apply. If you have a medical condition under treatment and want to change your geographical area to be treated in the US, then this will be at our discretion.

It takes about 3-5 working days to process your claims.

Yes, cover limit restriction apply. Please refer to the table of benefits.

Routine dental covers annual check-ups, cleaning, x-rays, drilling, filling, root canals, extractions etc. Basically, it covers any treatment to sound natural teeth. There is a waiting period of 6 months.

A pre-existing medical condition or related medical condition means any disease, illness or injury you had before the date on which your international health insurance plan starts, whether the condition has been diagnosed or not, that has one or more of the following characteristics:
  • was foreseeable;
  • clearly showed itself;
  • you had signs or symptoms of;
  • you asked for advice about;
  • you received treatment for;
  • to the best of your knowledge, you were aware you had.
We cover pre-existing conditions for Group Plan with min. 10 employees.In 2020 we introduced MHD5, which allows smaller groups with 5-9 employees to potentially access MHD underwriting (pre-existing covered)While most group employer plans will cover pre-existing conditions, all individual health plans require individual underwriting and the condition will either be covered, covered with a premium loading or that condition may be declined. The application is reviewed on individual basis.
All Policies are underwritten by General Reinsurance AG, based in Cologne, Germany. General Reinsurance AGholds the following outstanding financial strength ratings:
by A.M. Best: A++ (Superior)
Moody’s Financial Strength Rating: Aa1
Standard & Poor’s Claims Paying Ability Rating: AA+
For Morgan Price policyholders GenRe provides 100% reinsurance cover to EICML.

You can pay by credit card/debit card or bank transfer. 

Scroll to Top