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Welcome to NRG Medical Insurance
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Many thanks for coming to our website.
[/vc_column_text][vc_column_text]If you are wanting a quote or advice for medical insurance we are the people to talk to.
With nearly forty years experience of living abroad we are uniquely positioned to offer sensible, unbiased advice on the best medical insurances offering the best cover together with fabulous service and excellent back up.[/vc_column_text][vc_empty_space height=”20px”][/qode_elements_holder_item][qode_elements_holder_item cover=”yes” advanced_animations=”no” background_image=”389″ custom_class=” animated fadeInLeft duration1 eds-on-scroll “][/qode_elements_holder_item][/qode_elements_holder][/vc_column][/vc_row][vc_row css_animation=”element_from_bottom” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” css=”.vc_custom_1573903663309{background-image: url(https://nrg-services.net/wp-content/uploads/2019/11/medical-equipment.jpg?id=317) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” z_index=”” el_class=”colorbg”][vc_column css=”.vc_custom_1572960829925{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][vc_empty_space height=”150px” el_class=”reduceto70″][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”breakearly”][vc_column_inner width=”1/6″][/vc_column_inner][vc_column_inner el_class=”whitebord” width=”2/3″][vc_column_text el_class=”ourpeople animated fadeInRight duration1 eds-on-scroll “]
Why Choose NRG?
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ADVICE
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SERVICE
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BACK UP
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Medical Insurance
[/vc_column_text][vc_column_text]If you live in a foreign country then in all likelihood you will have to pay for any medical treatment that you receive. However, getting first class treatment can be costly and very often a serious and expensive problem which occurs suddenly and without warning.[/vc_column_text][vc_empty_space height=”30px”][vc_column_text css=”.vc_custom_1573904239812{padding-bottom: 15px !important;}” el_class=”greentext”]
What We Do
[/vc_column_text][icon_list_item icon_pack=”linea_icons” linea_icon=”icon-arrows-check” icon_type=”transparent” icon_color=”#018c6f” title=”Worldwide or local plans” icon_size=”30″ title_color=”#232323″ title_size=”18″][icon_list_item icon_pack=”linea_icons” linea_icon=”icon-arrows-check” icon_type=”transparent” icon_color=”#018c6f” title=”The very best prices. We are able to negotiate discounts on your behalf.” icon_size=”30″ title_color=”#232323″ title_size=”18″][icon_list_item icon_pack=”linea_icons” linea_icon=”icon-arrows-check” icon_type=”transparent” icon_color=”#018c6f” title=”The best pay-out rates in the industry” icon_size=”30″ title_color=”#232323″ title_size=”18″][icon_list_item icon_pack=”linea_icons” linea_icon=”icon-arrows-check” icon_type=”transparent” icon_color=”#018c6f” title=”Payment terms to suit – yearly, semi-annually, quarterly or monthly” icon_size=”30″ title_color=”#232323″ title_size=”18″][icon_list_item icon_pack=”linea_icons” linea_icon=”icon-arrows-check” icon_type=”transparent” icon_color=”#018c6f” title=”First class service” icon_size=”30″ title_color=”#232323″ title_size=”18″][vc_row_inner row_type=”row” type=”full_width” text_align=”right” css_animation=””][vc_column_inner][/vc_column_inner][/vc_row_inner][/qode_elements_holder_item][qode_elements_holder_item cover=”yes” advanced_animations=”no” background_image=”321″ custom_class=” animated fadeInLeft duration1 eds-on-scroll “][/qode_elements_holder_item][/qode_elements_holder][/vc_column][/vc_row][vc_row css_animation=”element_from_bottom” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” css=”.vc_custom_1573906270581{background-image: url(https://nrg-services.net/wp-content/uploads/2019/11/nrg-testimonials.jpg?id=325) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” z_index=”” el_class=”clientssay colorbg”][vc_column css=”.vc_custom_1572960829925{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][vc_empty_space height=”150px” el_class=”reduceto70″][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner width=”1/6″][/vc_column_inner][vc_column_inner el_class=”whitebord2″ width=”2/3″][vc_single_image image=”176″ img_size=”60×60″ qode_css_animation=””][vc_empty_space height=”20px”][vc_column_text el_class=”ourpeople”]
What our clients say
[/vc_column_text][vc_empty_space height=”30px”][qode_content_slider auto_rotate=”10″ direction_nav=”yes”][qode_content_slider_item][vc_column_text el_class=”lighttext”]I am so glad that I took your advice and purchased medical insurance. At first I thought I didn’t need it and was paying needlessly. However when I had my heart attack and then suffered a broken leg at the same time when I collapsed I now know what a wise decision it was.
Bobby Smythe[/vc_column_text][/qode_content_slider_item][qode_content_slider_item][vc_column_text el_class=”lighttext”]The quotes you have given us are far better than what we are paying at the moment. Not only that but the cover is better also. We would like to go ahead with Regency.
Javier Gaillardon[/vc_column_text][/qode_content_slider_item][/qode_content_slider][/vc_column_inner][vc_column_inner width=”1/6″][vc_empty_space height=”20px”][/vc_column_inner][/vc_row_inner][vc_empty_space height=”150px” el_class=”reduceto70″][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”basicpadding” z_index=””][vc_column][vc_column_text]
FAQs
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Below are some of the frequently asked questions that most people enquire about.
[/vc_column_text][vc_empty_space height=”60px” el_class=”reduceto70″][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner width=”1/2″][qode_accordion style=”toggle”][qode_accordion_tab title=”What different types of medical insurance are there?”][vc_column_text]Firstly you’ll have a choice between local insurance and international insurance. Local insurance will cost less but in most cases there are restrictions on the amount of cover you get. To give an example you could get a headline rate of cover for the year of US $2 million but when you delve into the sub sections you will find that you are only covered for $30,000 for an operation. Given that a heart operation in a middle of the road hospital could easily cost $75,000 you would have to put the extra to it. On the other hand with international cover you are far more likely to be covered in full for everything but the cost is more.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What is the difference between inpatient and outpatient care? “][vc_column_text]Inpatient is when you have been admitted to a hospital and use a hospital bed for a period of time usually overnight. Outpatient is when you have visited the doctor usually for things a lot less serious. You are treated there and then before going home.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What is an excess / deductible? “][vc_column_text]This is when you pay an amount up front eg $250 on any claim and the insurance company will bay the balance. E.g if a claim was for $200,000 you would pay $250 and the insurance company would pay $1750. It is not compulsory but it is a way of reducing the premiums that you pay.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What am I covered for? “][vc_column_text]All companies have different plans to choose from with different types of cover and each company has a different type of plan from another company. This is where we come in. We can advise and search for what is exactly right for you. We have access to many insurers and the advice we give is completely independent as we are not tied to any of them.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Do I have to pay for the treatment first and then claim the money back from the insurer? “][vc_column_text]In the vast majority of cases the cost will be paid directly from the insurer. With smaller claims you might have to pay first and claim the money back. This is normally for outpatient care only. Inpatient cover which is more expensive will be paid direct. In the few cases where you might have to pay upfront it will only before a few days before you are refunded by the insurer.[/vc_column_text][/qode_accordion_tab][/qode_accordion][/vc_column_inner][vc_column_inner width=”1/2″][qode_accordion style=”toggle”][qode_accordion_tab title=”Do premiums get more expensive as I get older?”][vc_column_text]Unfortunately, yes. As a person gets older than they are more likely to need medical treatment hence the increased cost. However if you do not make any claims some companies will give you a discount or hold the price. We can advise accordingly.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What are pre-existing conditions? “][vc_column_text]A pre-existing condition is an illness or an injury you have had before you started your cover. In many instances these will not be covered but there are some companies that will. However, if something happens after you have taken out insurance in most instances you will be covered for life.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Is there a waiting period after taking out insurance before I am covered?”][vc_column_text]You’ll be covered with most companies the moment the cover starts. However there are one or two companies where there is a waiting period. We will advise if this is the case on the company you select.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Am I covered if I go abroad? “][vc_column_text]It all depends on the type of policy you select. If you leave the country of your residence quite often we will arrange that you are covered anywhere in the world.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Can I pay monthly or do I have to pay for a year at once? “][vc_column_text]Most companies but not all offer yearly, half yearly, quarterly or monthly payments. Usually extra is charged if the whole plan is not paid at once but there are some companies who don’t.[/vc_column_text][/qode_accordion_tab][/qode_accordion][/vc_column_inner][/vc_row_inner][vc_empty_space height=”60px”][vc_column_text]
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