No Policy, Members Only

by rbipremium on September 22, 2011

Members Only at Rbi Premium Expat Lifestyle Memeberships

We all have taken out insurance policies over the years. Whether they are for our car, home, travel, boat or even pet, we are always paying for polices, year after year.  But when people live abroad, quite often the only insurance policy left to buy is that of medical insurance.

This brings up many questions as many of us have never had to purchase medical cover and don’t know what’s good or bad.  Bronze coverage (the cheaper one) we guess is minimal, whilst Platinum coverage (the expensive one) is good.  We wonder what company should we use? What we are really covered for?  Why it is so expensive? These questions and more confront most expatriates before and during their away-from-home experience and, more often than not, people choose the wrong policy and pay far too much it.

Depending on where you settle and for how long you stay, there are many options on offer, some from small internet-based companies, others from local providers and of course, there are policies available from large, well-known international firms. The range of coverage, exclusions, benefits, and excesses differ greatly but medical insurance policies for expatriates all have at least one thing in common – they are not cheap.

Medical insurance policies for expatriates can be in the thousands of dollars, and if you also need coverage for your partner and other family members, it can cost more than $20,000 every year to feel secure, safe and protected.

There is however an alternative way of insuring yourself and your family through a trust-facilitated benefits program or, to you and me, a membership program within a trust. They don’t actually sell individual insurance policies, they sell  annual memberships and provide member benefits that can include health and travel cover. One such company that has effectively achieved this is Rbi Premium Ltd who offer a lifestyle membership program that gives its members complete global health and travel coverage for free.  As you know, nothing in life is truly for free so you will have to make annual membership fee payments to be part of the program, but unlike medical insurance, this fee will not increase with your age or as a result of this mysterious thing called medical inflation which most medical insurance providers blame for at least a 10% per annum premium increase every year.

There are many other reasons to go for this type of scheme over a typical Medical Insurance policy, and price would be a major one. Rbi‘s program is extremely well priced and includes other extra lifestyle benefits for free, something you will never get from an Insurance company!

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