I am pleased to show the rate tables that will show an 8% increase to the premiums this year.

2018 Rates

 

This includes the following benefit changes

Table of Benefits

  • Chronic condition benefits are no longer identified separately. This means that:

Eligible In-patient and day-patient claims are covered to full refund instead of the existing chronic benefit limit if 2,500, 5000, 7500 and 10,000.

Out-patient claims will fall within the out-patient treatment benefits.

This provides more clarity for our clients who will not need to worry about whether their medical condition is defined as chronic or whether different limits apply depending on the type of medical condition.

  • The 10% co-insurance has been removed from the maternity benefit.
  • The Standard Plan now includes out-patient treatment following an eligible in-patient stay. This is covered up to 1,000, within 6 weeks of discharge.
  • The out-patient limit on standard plus has been increased from 1,000 to 2,500.
  • MRI, CT and PET scans are now covered up to full refund on the Standard Plus plan.
  • Emergency Out of Area cover is now available on every level of cover.
  • Organ implantation benefit now also includes stem cell and bone marrow
  • The dental benefits have been simplified. There are no longer sub limits for treatments – just an overall benefit amount per annum.
  • Congenital benefit is now offered on Premium Plan in addition to the Elite Plan.
  • Rehabilitation treatment as an in-patient is now covered on Standard Plan.

 

We have changed the Areas of cover available on the Evolution plan to:

Area 1                                   Europe

Area 2                                   Worldwide excluding USA, China, Hong Kong and Singapore

Area 3                                   Worldwide excluding USA

Area 4                                   Worldwide

 

This plan is still not available to residents of Asia but will now cater for those members that happen to travel through Asia and need treatment.

Moratorium plans are now only available to members up to age 65, anyone 65 and above must apply on a FMU basis.

CPME applications are no longer available w.e.f. 1st January 2018.

In addition to this Morgan Price are very excited to tell you that from 1st January 2018 we will have our own in house claims team. This allows us to deal with the full scope of the policies from administering to the processing of claims.

We will be processing the reimbursement claims and answering any queries you may have. There remains a 24/7 provision so in an emergency outside of UK hours the client’s needs will still be taken care of by our chose assistance company.