We can provide a number of international health insurance plans that will afford you full medical protection in the USA, so that when you leave China you have the comfort of knowing that your insurance will leave with you. American plans that we provide comply with both HIPAA and COBRA regulations. We have provided a brief outline of both these regulations below.
The Health Insurance Portability and Accountability Act was introduced in 1996 as a way to prevent the overuse of pre-existing condition clauses in insurance policies. HIPAA guarantees both individuals and groups the right to renew any policy. In the USA the HIPAA act prevents insurance companies from not renewing or stopping a policy because a client has a serious illness.
The Consolidated Omnibus Budget Reconciliation Act of 1986 is referred to as COBRA. The COBRA legislation provides short term or temporary continuation of a domestic health insurance policy for a group member that has left the group plan. When a member leaves the group they are eligible to stay on a COBRA plan for up to 18 months after the separation.
Whether you are from the USA and would like to remain on an international health insurance plan on your return from China, or you are moving to the USA from China , we can help find the best plans available. If you would like to know more about international health insurance plans that can provide complete coverage in the USA, please contact one of our expert advisers.