Most plans have premium bands of 5 years with coverage available up to age 100. Premiums for people over 65 are often priced on the basis of the application. Another factor in the price can be whether the expatriate wants worldwide coverage excluding or including USA and Canada. Because of the high price of healthcare in the United States or while not insured under a government plan in Canada, the price for expatriate coverage including these two countries can be as much as three times the cost. Such a plan is recommended for offshore residents who travel back to the USA or Canada for extended periods that would not be covered in the optional medical evacuation plan.
Some plans even cover children under age nine for free with newborns covered from birth.
The applications always have medical questions to be answered. Administration and service after the expatriate has taken out a plan are crucial elements. The plans can be paid for using a credit card, cheque, wire or bank debit. Most plan's premiums are payable in either UK Pounds Sterling or US Dollars either yearly or monthly. A four-month waiting period may apply if you were not covered under another plan, except in the case of an accident or an emergency.