There are actually 5 major points that sets us apart from the Standard Mexican policies:
1. If you have no pre-existing conditions (that may provide for an exclusion for a certain time period) your policy coverage is effective on the start date of the policy. In Mexico specifically, regardless of any pre-existing conditions, coverage is often phased-in over a period of two to three years, as is the case with IMSS. During that phase-in period, should you receive a diagnosis of Cancer -- you will have a permanent exclusion from anything cancer-related for the life of your policy -- even though in the interim you were, in effect, paying for the cancer coverage all along.
Unlike most Mexican policies, if you have a pre-existing condition with the Best Doctors policy, if you have no claims arising from the pre-existing condition within one full year of having the policy, the pre-existing condition is automatically lifted after the one year time frame, without petitioning the insurance company and providing test results to that effect.
With our Affinity Expat Plan pre-existing conditions are treated differently since it is a comprehensive medical policy. This policy's exclusions take into account your lifetime medical history, blood test results (and other tests depending on your age) and the Medical Examiner's report that accompanies your WEA Insurance application.
2. Unlike most Mexican policies, PAGroup accepts new enrollees up to age 74 yrs., 8 mos. Best Doctors will accept new enrollees up to age 70 yrs., 8 mos. With both programs, once a member has been accepted into either plan, they will enjoy lifetime renewal privileges as long as their premiums remains paid in a timely manner, and they still qualify as far as any residency requirements are concerned.
3. There are no insurance application fees associated with our Best Doctors Catastrophic policy. PAGrpup requires a $40.00 application fee for each applicant since their application process is more complicated. The $40.00 USD fee is half of their normal application fee of $80.00 USD.
A routine Blood test/urinalysis is the only test required for the Best Doctors policy if you have no pre-existing conditions. If you have a pre-existing conditions, then you may be requested to submit further documentation in that regard.
The WEA policy requires the Blood Test/Urinalysis (dated within the last 6 months) AND if a new member is over age 65, the member must have submit a WEA Attending Physician's Statement completed by a licensed physician as well as an EKG, Mammograms and pap tests are also required for females. Depending on the results of the Attending Physician's Report, other tests or reports may be required. If the applicant ever smoked, then a chest x-ray is also required.
4. Unlike Mexican policies, your policy is written in English, not Spanish, for both the Best Doctors and WEA policies.
5. You have worldwide coverage with the Best Doctors policy.
Our WEA policy provides worldwide coverage excluding the U.S. Our rationale for this is quite sound. Our membership is roughly 2/3 American, and 1/3 Canadian. Of our U.S. expat membership approximately 90% already have Medicare coverage when they are in the U.S. Medical care in the U.S. ranks among the most expensive in the world. By excluding the U.S., we have been able to trim the cost of our health insurance premium by almost one-half. That is substantial when you consider that 1/3 of our membership is Canadian and not concerned with travel to the U.S. The vast majority of our U.S. members already have coverage there, so this coverage would be duplicative.
If a member is travelling to or through the U.S., it is far cheaper to obtain travel insurance for the relatively short time spent in the U.S. as opposed to having a policy that covers us there -- when we live here! Our agent will be happy to provide you with travel insurance information!