ExpaCare Membership Guide

Read the full Expacare Membership Guide

Browse the Expacare Membership Guide to the Choices international medical insurance. You can also download the pdf to your device. Understand the language and expressions used by visiting our help pages where you can find a lot of useful resources. 

The Membership Guide outlines the specific conditions and provisions of your medical insurance coverage. This includes but is not limited to:

  • Coverage Details: Describes what medical expenses are covered, such as inpatient and outpatient treatments, surgeries, emergency care, and prescriptions.
  • Exclusions: Lists treatments, conditions, or services that are not covered by the policy.
  • Deductibles: The amount you need to pay out-of-pocket before the insurance coverage starts.
  • Co-pays and Co-insurance: Defines the portion of medical costs you are responsible for paying, either as a fixed amount (co-pay) or a percentage (co-insurance).
  • Policy Limits: Indicates the maximum amount the insurance company will pay for covered expenses during the policy period.
  • Pre-existing Conditions: Details how conditions that existed before the policy started are treated.
  • Claims Process: Instructions on how to file a claim and the documentation required.
  • Renewal and Cancellation: Information on policy renewal terms and the conditions under which the policy can be canceled.

Understanding these terms helps ensure you know what to expect from your coverage and can make informed decisions about your healthcare.