Frequently Asked Questions
For emergency claims and assistance there is a 24 hour assistance helpline. For non-emergency claims and pre-authorisation the claims team is available from 9am – 5.30pm (UK time), Monday – Friday. For sales, administration and queries on your policy the opening hours are 9am – 5.30pm (UK time), Monday – Friday.
Whilst we try to ensure that our policies are as comprehensive as possible, we cannot provide cover for everything. The following is a list of the major exclusions from our policies: Pre-existing conditions (unless declared and accepted by us) – generally we do not pay for treatment for any condition that you experienced or had treatment or advice for prior to the start of your cover with us. However, we may pay for such a condition provided that you have no further treatment, advice, medication, tests or symptoms for that condition in a consecutive 2-year period immediately after the date that your cover starts with us. Chronic conditions – these are conditions that are not curable and which are generally maintained or managed by ongoing treatment or medication. Examples are asthma and diabetes. We will pay for routine maintenance and treatment of acute episodes on some levels of cover subject to it being a newly diagnosed condition which occurs after the start date of your cover with us. We will pay for cancer treatment if it is diagnosed after your start date with us. For a complete list of the exclusions to our policies please refer to the Policy wording – Exclusions section.
We have included cover for routine health checks on all but the entry level plan (after 12 months membership) as we feel prevention is just as important as treatment.
An issue that can arise for expatriates and travellers alike, is not just the access to appropriate medical care, but in the event of an accident or life threatening illness, the access to safe screened blood supplies. In an effort to continually develop our service to clients, Morgan Price has teamed up with the Blood Care Foundation to ensure that supplies of screened blood of your type can be available wherever you may be in the world where the local supplies are unavailable or unreliable. The Blood Care Foundation is a charitable, not for profit organisation, registered in the United Kingdom. The Foundation operates a Blood Care Programme, which is designed to provide screened blood, in an emergency, to Morgan Price International Healthcare plan members in any part of the world. The programme is designed to alleviate the shortages of blood, which occur in many parts of the developing world. These shortages have numerous causes. Amongst the most important are cultural taboos, financial constraints and a high incidence of transfusion transmitted diseases in the donor pool, including diseases such as HIV I and II, hepatitis B and C and malaria. The provision of blood cover by the Foundation, particularly to expatriate communities, business travellers and their spouses and to holiday-makers, ensures that the local supplies of blood remain available to the inhabitants of that particular country and are not depleted by travellers/expatriates etc. Should an emergency occur, a relative or associate of the member contacts one the of Foundation’s alarm centres. The Duty Medical Officer (DMO) in the alarm centre will then contact the treating physician to identify the transfusion requirements. If a transfusion is required, the DMO will arrange for the provision of resuscitation fluids from a local Regional Supply Point, where available, and for a courier to take blood to the patient. The Foundation operates a global network of blood banks, enabling it to provide blood, to almost any location in the world within 12 – 18 hours, subject to the availability of scheduled air services. The couriers are anaesthetists or paramedics, trained in cardio-pulmonary resuscitation, and are capable of establishing a transfusion, even in the shocked patient. Membership of the Blood Care Foundation is provided FREE to all Morgan Price Health Plan policy holders.
You may pay your premiums monthly, quarterly, semi-annually or annually, using credit or debit cards, or annually by bank transfer. Premiums are quoted in Sterling, Dollars and Euros to give added flexibility.
Your Morgan Price plan comes with a money back guarantee. If you are not entirely happy with your policy when you receive it, simply return the documents to us within the first 14 days and we will cancel your cover and refund your premium from inception, provided you have not made a claim.
Once we have received your proposal form and premium, we will send you by email, a confirmation, which will include your policy number and the 24 hr assistance number. Your actual documents will be emailed to you within 7 working days of receipt of the premium payment.
|FMU – Full Medical Underwriting||This means we will ask you to answer questions regarding your medical history and after full evaluation confirm if we need to apply any exclusions to your policy.|
|Moratorium||This type of cover means any pre-existing conditions that you have had symptoms, sought advice or treatment for in the five years before taking up the policy will be excluded from cover until you can remain symptom and treatment free for two years under the policy.
If you take daily medication or require regular check ups for a condition this will never be covered under a moratorium policy.
|MHD – Medical History Disregarded||This is only available on corporate schemes with more than 10 employees and means we will not ask for any medical information unless there are ongoing claims of more than $5000.|
|CPME – Continued Personal Medical Exclusions||This means we will carry across any exclusions from your previous insurance as long as there is no break in cover. We can also carry across any moratorium term already served and honour any wait periods that have already been served|
|In-patient||Treatment required when staying overnight in a hospital.|
|Day-patient||Treatment required in a hospital when an overnight stay is not required.|
|Out-patient||This is treatment received not in a hospital but in a doctor surgery or for a consultant appointment.|
|Chronic||A medical condition which has two or more of the following characteristics:
|Excess||An excess is an amount you have to pay towards any claim in a policy year. The excess is per person per annum.|
|Co-insurance||Is a percentage of the claim you have to pay.|
|Underwriting||This is how we look at a policy and decide the terms we can offer on a policy and the rating required.|
|Evacuation||This is when the treatment of a client cannot be met in a local facility and Morgan Price confirms that the client will need to be moved to the nearest medical facility that can provide the required treatment. Morgan Price has to authorise and arrange this evacuation.|