Hazardous Location Health Insurance

[BKK]

Does any IC have a good company that they are using for global health insurance which does not have a "War" exclusion clause, and who cover you in places like Iraq and Afghanistan? Any Tip is appreciated by PM or posted here. Thanks

[Maximus]

I would recommend searching this site. I know I have seen it here before. Prior-service does well with SGLI. Good luck to you

[BKK]

Thanks...I should have used the search first. I did not find anything about Med Insurance. There is one post on Life Insurance.

Even if your company does give you Med Insurance for you and your Family, all that works fine if you are a REMF and never leave the states. Even the best Stateside plans will only pay a percentage of treatment that you get in a foriegn country.

Then there is the whole issue of getting wounded in a country that is at war, or the fact that your business is to work in a "War" area. There are also Terrorism clauses in a lot of these Med policies. So you could be on some R and R in a place where a bomb goes off, and you are not covered.

[zdfg]

You should be covered under DBA.

http://www.defensebaseact.com/defensebaseactlaw.asp

[BKK]

Thanks. That explains a lot. No worries if you are on a US GOV contract in a $hithole.

There would still be other situations where I might need other coverage ie. on a foreign contract, or getting blown up by a muslim terrorist while visiting my favorite Bangkok Go-Go. You can't always be covered on everything, all the time.

[GracieLou]

Try this company...

It won't help you in Iraq or Afghanistan, but has converage in other parts of the world (for those R&R needs).

http://www.bupa-intl.com/

HTH

[yojinbukai]

Lloyds of London. I have friends with extraction policies and other types so it stands to reason that they'd do health insurance as well. It's going to be expensive no matter where you go. I've heard some horror stories about DBA, but I think it's mostly on the side of the contracting company.

[RAT]

DBA is ONLY workers comp. Just like if you got hurt on a job here in the states it does not cover much.

The insurace Crawfish (GracieLou) gave is dman good.

As well as what Yojinbukai said about Lloyds. We have some insurance pro's here that will be along shortly. Either way you go it is going to cost a pretty good penny. Trust me on that. if you go with the DBA you are running your luck. Just as you would be running your luck if you were at your regular job and get hurt with NO company provided insurance.


RAT OUT!!!

[soup82]

I live outside the states, and use IMG for coverage outside of the sandbox. 1700 a year covers pretty much everything but only emergency dental. I also get either 3 or 6 months coverage from that for the states, which is nice for the rare times I visit the folks.

Cheers,

Patrick LaRocque

[RAT]

I live outside the states, and use IMG for coverage outside of the sandbox. 1700 a year covers pretty much everything but only emergency dental. I also get either 3 or 6 months coverage from that for the states, which is nice for the rare times I visit the folks.

Cheers,

Patrick LaRocque

I don't know what coverage you have I just did a quote with IMG:

The only plan that would come close to working in a hostile enviroment would be their :

Patriot Extreme Plan.

Patriot Extreme International provides coverage for US citizens traveling abroad for a minimum of 30 days up to a maximum of three months. Although the Patriot Extreme International plan is not renewable, it can be rewritten for succeeding or subsequent coverage periods. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application also must be completed.

Maximum Benefit $50,000

Deductible $250

Per Month $192.00

I don't know about you but a 50,000 pay out will not cover much in the states.

Plus, 192 a month is 2304 a yr which is cheaper than my Co-pay. My co-pay does not cover shit except a shot for the flu.

I have requested what all they cover.

RAT OUT!!!

[BKK]

Based on some "research", the way I understand it is if you are a guy that is working a US GOV contract, working in a hostile area ie Iraq, AFG, there is no need to carry any personal civilian hazard insurance for working in a war zone. The whole time you are in country, you are "working". If you get shot, or blown up, under the DBA insurance that your company has to have, in order to operate in contract with the US GOV, you are covered for all medical, disability, rehab, and evac.
So the bottom line is that you are covered when working in a warzone, and there appears to be no reason to carry your own extra policy for working in a warzone.

Now of course we are not always going to spend "ALL" of our time at work, or in a war zone, so we need something to cover us if we get hit crossing a street in the States, or some other overseas location. All of these Global policies have their pro and cons.

The Patriot Extreme Policy is really only good for "Some" sports, and is pretty weak. That would not be the right policy if you were a non-contractor, working in a warzone. They do have those kind of policies, but I am sure they are quite pricey.

The IMG Patriot Plus policy looks to be what might suit my needs. Coverage in the USA, and Global, as long as I am out of the states for more then 6 months. I don't plan on going back to the USA, but at least it is an option if seriously injured, or visiting.

[RAT]

Based on some "research", the way I understand it is if you are a guy that is working a US GOV contract, working in a hostile area ie Iraq, AFG, there is no need to carry any personal civilian hazard insurance for working in a war zone. The whole time you are in country, you are "working". If you get shot, or blown up, under the DBA insurance that your company has to have, in order to operate in contract with the US GOV, you are covered for all medical, disability, rehab, and evac.
So the bottom line is that you are covered when working in a warzone, and there appears to be no reason to carry your own extra policy for working in a warzone.

As I stated before. DBA is WORKERS COMP insurance. Just as if you were working for my company and you got hurt on the job. If you are an employee. If you are 1099, IC. Then the compay is not all the way responsable for you. The company, if they are smart which many are, has pass the DBA on the the IC.

If you don't think you need extra good on you and good luck.


RAT OUT!!!

[yojinbukai]

That's what I read too, Rat. DBA is more of a death / dismemberment benefit and is not health insurance. SOC took care of a guy with a pre-existing condition out of kindness while I was there with them. Other companies wouldn't have done so and certainly are not obligated.

That's the great thing about being an employee instead of an IC. I've tried most of the stateside agencies and had ZERO luck with insurance in a hostile area. You have to go big, go international, and be willing to pay. If you're an IC, its probably worth it. If you're an employee, you just have to check.

On the upside, we had medics who were contracted to provide onsight medical care. That doesn't do much for a stroke or other ailment, but the SOS guys with us were great about treating the day to day junk that drags you down into the shitters.

[soup82]

Patriot Plus. 5 mill max cover, repatriation, remains, hospitalization, etc.

Cheers,

Patrick LaRocque

[BKK]

Thanks for all the input guys.

I have read what DBA will cover, and as long as it will cover my medical, disability, and rehab from being Shot, Blown up, or in a crash while "On the Job" in a war zone, I am satisfied with that coverage. If I were to get sick of something else which would keep me from doing my job, it would be time to send me on a plane elsewhere to get medical treatment.

I will get a separate Global policy for my off duty adventures elsewhere in the world. I am leaning toward that Patriot plus plan.

[soup82]

Outside of the sandbox, if you're into sports or other "hazardous" activities, I believe that BUPA has better coverage than IMG. Not sure, but that is what a lot of the guys I played rugby with in the emirates were using.

Cheers,

Patrick LaRocque

[BKK]

I don't see how Rugby could be hazardous...lol Just kidding.

[Old_Starlight]

I don't see how Rugby could be hazardous...lol Just kidding.

Spoken like someone who has only ever seen it in TV :p:biggrin:

Cheers,

AJ

[tangodown]

Check these guys out I have not used them but they may be able to answer some ? for you.

http://www.clements.com/

D

[ram man]

Bro pm inbound, stay safe Ram out.