They cover inpatient treatments for illnesses and injuries requiring an overnight stay and offer optional benefits for outpatient care, maternity, or dental services. Typical inpatient benefits include room and board, surgeries, treatments, hospitalization, and emergency evacuation. Coverage is provided on an annual basis, meaning you pay a yearly premium for expenses up to a set limit.

Pacific Cross offers worldwide coverage.

Since private health insurance is a for-profit service, individuals with pre-existing conditions are seen as higher risk. Insurers use medical underwriting to assess this risk and may exclude certain conditions, add an extra fee (called loading), or cover some conditions after a waiting period of around two years. Employer groups of a certain size might qualify for plans that disregard individual medical history. Pacific Cross is generally more likely than many insurers to cover pre-existing conditions.

Premiums are set on an annual basis and can increase based on factors like the insurer’s past performance, claims experience, and medical inflation. Pacific Cross uses a community rating model, meaning any changes affect all members equally, though factors such as age can result in larger increases if age bands are used.

No. Pacific Cross offers direct billing for inpatient services, so the insurer pays the hospital or clinic directly. However, for outpatient services, you will need to pay first and then submit a claim for reimbursement.

While these plans are managed annually, Pacific Cross does offer a semi-annual payment option, which comes with a 4% fee.

Yes. Pacific Cross provides group health insurance plans for employers. There are two options: one that requires full medical underwriting, where each employee’s medical history is reviewed for risk assessment and premium calculation, and another for larger groups that disregards individual medical history, which is the only way to cover certain conditions.