FAQ

  1. Am I eligible to apply for the ARCIS Expatriate Health Insurance plan?
  2. Will my occupation affect my eligibility to enroll in the insurance plan?
  3. How do I qualify for the No-claims Rebate? Is it all or nothing?
  4. What happens if I decide not to renew, or otherwise quit the insurance plan, do I still get the No-Claims Rebate?
  5. Is there a Money-back Guarantee?
  6. Will I be required to complete a medical questionnaire to be considered for enrollment?
  7. Will my insurance coverage be affected if I move to a different country or repatriate to my home country?
  8. What is the maximum amount I am covered for per year?
  9. How do I qualify for Dental Coverage?
  10. Are there any deductibles or co-payments I have to pay when I make a claim?
  11. If I incur expenses out-of-pocket for an eligible claim, how quickly would I be reimbursed?
  12. Am I insured when I travel overseas?
  13. Will my premiums increase with age?
  14. What kinds of payment options are available?
  15. What do I need to do in the event of a medical emergency?
  16. Which Insurance Company underwrites the ARCIS Expatriate Health Insurance Plan?
1. Am I eligible to apply for the ARCIS Expatriate Health Insurance plan?

You are eligible to apply for the ARCIS Expatriate Health Insurance Plan if:

  • you are an expatriate; defined as a person residing outside his or her country of citizenship, and;
  • you are under the age of 60, and;
  • you are not resident in the US, Canada, or the Caribbean.
2. Will my occupation affect my eligibility to enroll in the insurance plan?

Yes, your occupation can affect your eligibility to enroll in the Arcis Expat Health Insurance Plan. You must be employed in a non-manual labor occupation to be eligible to enroll.

3. How do I qualify for the No-claims Rebate? Is it all or nothing?

With the ARCIS Optima Plan, you automatically qualify for the No-Claims Rebate if you do not file any claims during the plan year. If no claims are filed, it reduces claims administration costs. These savings are shared in part with our clients.

The No-claims Rebate is all or nothing. Therefore, if you file no claims, you will receive the full rebate. If you file any claims at all during the plan year, then you will not be eligible to receive the rebate during that plan year.

4. What happens if I decide not to renew, or otherwise quit the insurance plan, will I still receive my No-Claims Rebate?

With the ARCIS Optima Plan, quitting or not renewing the insurance plan does not affect your eligibility to receive the No-Claims Rebate. As long as you have paid your full annual premium and you have not filed any claims, then you will receive the full No-Claims Rebate.

5. Is there a Money-back Guarantee?

Yes. Should you decide to cancel insurance plan within fifteen days of application, you will receive a full refund, subject to having filed no claims and returning all of the membership materials.

6. Will I be required to complete a medical questionnaire to be considered for enrollment?

Yes, you must disclose any pre-existing medical conditions at application so that you can be properly assessed and advised up-front as to whether our health insurance plan will be suitable for you. Companies that advertise "no medical questions" are doing you a disservice. The lack of a disclosure and an assessment does not eliminate the pre-existing conditions exclusion in those policies. It's best to know exactly where you stand from the beginning, rather than to be unpleasantly surprised later when your claim for a pre-existing condition is declined.

In addition, by properly assessing your medical background the insurer may advise that whilst normal rates do not apply due to certain medical conditions, they are still able to offer you protection under different terms and conditions.

7. Will my insurance coverage be affected if I move to a different country or repatriate to my home country?

If you move to a different country as an expatriate, you can continue your health insurance plan subject to notifying us and paying any difference in the rates, if any, in the new residence country. If you repatriate to your home country, by law in most countries, you are no longer eligible for expatriate health insurance, and you must quit the health insurance plan immediately. As laws and regulations are subject to change, please contact us for advice should you decide to move to a different country.

8. What is the maximum amount I am covered for per year?

You are covered up to an overall annual limit of US$1,000,000.00.

When you travel outside the Geographical Area of Cover specified on your insurance certificate, you are covered for emergency treatment only, up to an overall annual limit of US$60,000.00.

Please note that some of the benefits have an individual annual limit. Please see your Table of Benefits for further details or contact us with any questions.

9. How do I qualify for Dental Coverage?

To qualify for dental cover, you are required get a self-funded dental check-up, have any pre-existing problems repaired, and report the results to us on the form provided by the insurer. Proof of a self-funded dental check-up is required at least once every 12 months thereafter in order to maintain your dental coverage. Please contact us to obtain a copy of the form prior to seeing your dentist.

10. Are there any deductibles, excesses, or co-payments I have to pay when I make a claim?

There are no deductibles, excesses or co-payments, unless specified in your Table of Benefits. Please note, however, that filing small claims will eliminate your eligibility for a No-Claims Rebate in the year that the claim is filed, if you have the ARCIS Optima Insurance Plan, which includes the No-claims Rebate benefit in the table of benefits,. (See #3 above).

11. If I incur expenses out-of-pocket for an eligible claim, how quickly would I be reimbursed?

Inpatient medical claims are always paid direct to the hospital.

For outpatient claims, eligible claims will be settled within 10 working days after receipt of all required documentation. Original receipts must be submitted along with a completed claim form. Please contact your Client Manager for assistance.

12. Am I insured when I travel overseas?

If you have chosen the ARCIS Optima Health Insurance Plan, you are covered for overseas travel up to a maximum of 90 days per 12-month annual insurance plan. These trips can be to any country, for leisure or business. If you intend to travel for more than 90 days in a given annual Insurance Plan Year, then please contact your Client Manager.

Please note that when traveling to the US, Canada, and the Caribbean, you are only covered for emergency medical costs, to a maximum overall limit of $60,000, unless you have paid the premium for Area 3.

13. Will my premiums increase with age?

Your premium is based amongst other factors on age, so your premium will increase with age.

14. What kinds of payment options are available?

You can pay annually by Visa, MasterCard, cheque, or wire transfer. Quarterly payments are available only if you pay by Visa or MasterCard. Quarterly payments are subject to a 6% surcharge.

15. What do I need to do in the event of a medical emergency?

Immediately seek medical treatment at the nearest hospital or medical practitioner. Subsequently, you must contact us or have someone contact us on your behalf on our 24-hour emergency assistance number as soon as possible, or within 24 hours.

If any non-emergency procedures, such as surgery, are planned that will result in a claim exceeding $500, you must contact us prior to undergoing the procedure.

16. Which Insurance Company underwrites the ARCIS Expatriate Health Insurance Plan?

LAMP Insurance Company Limited fully underwrites the ARCIS Expat Health Insurance Plan and provides all insurance administration and claims handling services.

LAMP Insurance Company Limited is licensed in Gibraltar by the Chief Executive of the Financial Services Commission. LAMP is a member of the Association of British Insurers; and is an authorized EEA insurer, permitted under the relevant EU Directives to write insurance business on a services basis in the United Kingdom.

Established in 2005 by former key executives, directors, managers, and underwriters from a broad range of industry leaders, including Aetna, Cigna, Generali, PruHealth, and AIG, the highly experienced LAMP management team came together with a common vision to create a new kind of insurer; capable of offering flexible, competitively-priced alternative insurance solutions for clients.

LAMP Insurance Company Limited is reinsured into the Lloyd's of London market, which enjoys a global A+ rating from Fitch Ratings and Standard & Poor's.

Please see the Plan Wording and the Table of Benefits for full details of the terms and conditions.

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