The real-time insurance revolution

PassportCard
Health Insurance

Summary

PassportCard Health Insurance

PassportCard allows clients to bypass the normal direct billing and claims processes with its PassportCard, a credit or debit card that allows you to pre-load your coverage funds before any visit, giving you direct billing worldwide anywhere that accepts cards. The PassportCard is available to expat individuals and families. PassportCard is based in London and affiliated with insurance giant Allianz.

imageedit 24 8231820872
PassportCard Health Insurance

Key Features

Available to expats and locals up to age 64
Worldwide or Southeast Asia coverage
Pre-existing conditions generally excluded but coverage for some may be available for a fee
COVID inpatient treatment covered
Community rating means any annual premium increases will be reasonable and renewal is guaranteed
No direct billing per se but pre-load process makes it unnecessary
Bank transfers and credit card payments available
Employer group plans available with significant discounts
Popular

Direct Billing Partners

Any hospital or clinic in your coverage area that accepts cards!!!!

Sample Pricing for a 35-year old

Essential

$ 109 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • Annual Health Checks
  • Maternity

Preferred

$ 182 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • $750 Annual Health Checks
  • Maternity
Popular

Elite

$ 202 Monthly
  • $1,000,000 Limit
  • Inpatient + Evacuation
  • Outpatient
  • $750 Health Checks
  • $2,200 Dental

Similar Providers

Personal Discounts

4-person family
5%
5-person family
10%
6+ person family
15%
$1,000 deductible
15%
From $30/month

    Get Health Insurance Quotes
    Phone Number

    Residence Country



    Your health.
    Your budget.
    Your choice.

    Speak to an advisor and get a side-by-side quote of suitable providers, including:

    • Coverage Area
    • Benefits
    • Price
    • Video explainer

    Or simply call us to get started

    PassportCard Health Insurance

    Frequency Asked Questions

    The PassportCard is available to expats who reside outside their country of citizenship, up to age 64.

    The PassportCard’s unique payment process supports a range of premium coverage options.

    All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

    The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

    Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

    The PassportCard has a broad range of coverage limits.

    • Inpatient only limits: $1,200,000 to $5,000,000
    • Outpatient limits: vary from $500 to Inpatient limit
    • Maternity limits: $10,000 to $20,000
    • Dental limits: $750 to $1,500

    PassportCard plans offer a range of coverage areas, including:

    • Southeast Asia (Vietnam, Bangladesh, India, Cambodia, Laos, Myanmar)
    • Asia (Thailand, Africa, SEA, Asia)
    • Worldwide excluding USA
    • Worldwide

    Outside this area, you are covered for unforeseen emergencies and illnesses up to the annual coverage limit, so long as your trip away from your residence country doesn’t exceed 60 days.

    It’s important to understand that private health insurance is a for-profit business. People with pre-existing medical conditions represent a risk to profitability, since they are far more likely to make claims than people who are entirely healthy, which affects the bottom line. Insurers manage this risk in a number of ways.

    Most insurers use medical underwriting to assess a potential customer’s risk based on medical history. Then they decide whether to:

    • Exclude certain conditions from the coverage of a policy
    • Impose a fee for covering specific conditions (called loading)
    • Cover certain conditions despite the risk, or offer to reassess a condition at a later date

    Some insurers offer a moratorium policy: people with conditions that aren’t chronic (persistent, recurring, incurable) can take advantage of this special type of policy, which excludes non-chronic conditions from coverage for typically 2 years before covering them.

    Employer groups of certain sizes can qualify for a policy that disregards participants’ medical history. This is the only way to cover certain conditions.

    All PassportCard policies are based on the full medical underwriting model. Applicants with significant pre-existing conditions, particularly chronic conditions, are sometimes denied coverage. Typically, PassportCard will either exclude milder conditions rather than loading.

    PassportCard, like all legitimate international insurers, will cover COVID-19 treatment, subject to the policy rules. This means that inpatient treatment (typically at least an overnight stay) is covered up to the policy’s annual limits. However, if you don’t have outpatient coverage, any outpatient treatment will not be covered.

    COVID-19 testing and vaccinations may be covered under outpatient health check or vaccination coverage.

    Generally, COVID-19 quarantine expenses are not covered by any health insurance policy.

    Tenzing can assist in obtaining a certificate that shows your COVID coverage, for travel or other purposes.

    Your insurance is managed on an annual basis. Like most products, health insurance is subject to price changes, usually in the form of premium increases based on a number of factors.

    Since this is a for-profit business, changes are based in part on past-year performance (generally premiums minus claims plus overhead) and medical inflation.

    All of Tenzing’s international health insurance offerings operate on what is called a community rating basis, which takes into account all the covered individuals in a geographic insurance plan — if the plan did well, premium increases will be low, and vice versa. Any premium or benefit changes apply to everyone in the plan.

    Some insurers use an experience rating approach, which looks at whether each individual’s premiums exceeded their claims and makes adjustments accordingly. This approach can result in wildly differing changes.

    Your age is also a significant factor in determining your premium — as you grow older, your health generally declines and your risk increases. So annual premium changes also reflect your age. The increase can be larger if the insurer uses age bands: imposing a larger increase at 5-year intervals rather than a smaller increase each year.

    The PassportCard operates very differently from most insurance payment schemes, but the result is that payment for all your treatment — inpatient and outpatient — will be managed between PassportCard and the hospital or clinic, so you don’t need to pay directly.

    Although some insurers do allow you to make periodic payments, PassportCard requires that the entire annual premium be paid up front.

    PassportCard offers group health insurance plans that allow employers to provide peace of mind to valued employees.

    There are generally two types of employer plans:

    Full medical underwriting (FMU) requires covered individuals to provide medical history, which the insurer uses to assess risk and assign premiums.

    Employer groups that are sufficiently large can qualify for a policy that disregards participants’ medical history (MHD). This is the only way to cover certain conditions.

    PassportCard allows employers to establish plans with as few as 2 employees for FMU, 6 for MHD.

    Documents

    Patrik Shore Tenzing Pacific Services

    Patrik Shore

    Senior Advisor
    From Sweden & New Zealand
    7 years' insurance experience
    Joined Tenzing in 2019
    Crim Science
    Speaks English and Swedish

    Speciality:
    - Savings Plans
    - Health Insurance
    - Life Insurance