Morgan Price International Healthcare

Morgan Price International Healthcare Logo

Individual Health
insurance plan

Healthcare coverage
for expats in Germany

Choose your plan out of
50 haelthcare companies


About Morgan Price - a leading Healtcare provider

 

The British health insurance provider Morgan Price International Healthcare was founded in 1999 to offer powerful international and european health plans for expatriates all over the world and in Germany, too.

 

Morgan Price International Healthcare is not an insurer. The UK based managing general agent (MGA) or managing general underwriter (MGU) act on behalf of international insurers in terms of

  • product design,
  • administration,
  • premium collection and
  • where appropriate claims handling,
All activities with an amount of delegated authority from the insurer behind. Morgan Price choose most appropriate insurers to provide best costomer service to clients.
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Morgan Price Healthcare

starting from

€ 125,88

Evolution Health Comprehensive Plan

  • Access to private GPs
  • Free Hospital choice
  • Outpatience Limit 5.000 EUR
  • No pregnancy and childbirth
  • All fees charged by hospital
  • Single-room Accomondation
  • 750 EUR dental benefits p.a.

Morgan Price Healthcare

starting from

€ 166,99

Evolution Health Premium Plan

  • Access to private GPs
  • Free Hospital choice
  • Outpatience Limit 10.000 EUR
  • Pregnancy and childbirth costs
  • All fees charged by hospital
  • Single-room Accomondation
  • 1000 EUR dental benefits p.a.

Morgan Price Healthcare

starting from

€ 251,43

Evolution Health Elite Plan

  • Access to private GPs
  • Free Hospital choice
  • Overall Limit 2 Mio. EUR
  • Pregnancy and childbirth
  • All fees charged by hospital
  • Single-room Accomondation
  • 1.500 EUR dental benefits p.a.

Get your individual Morgan Price online quotation

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Plans and benefits of Morgan Price health insurance

 

The Morgan Price offers protection for the health insurance - worldwide

 

No matter if health insurance, travel insurance, accident insurance or other kinds of international health care, Morgan Price is proud of to be able to fulfill almost all the wishes and needs of the clients. Morgan Price offers insurance cover for individuals, familys or companys respectively firms.

Tariff Evolution Health

  • Standart
  • Standart Plus
  • Comprehensive
  • Premium
  • Elite



By choosing an annually limited excess, discounts of up to 40% are possible

Possible excess

  • no excess
  • 100 EUR (5 % contribution estate)
  • 250 EUR (10 % contribution estate)
  • 500 EUR (13 % contribution estate)
  • 1000 EUR (20 % contribution estate)
  • 2500 EUR (30 % contribution estate)
  • 5000 EUR (40 % contribution estate)

Because of maximum collectively insured sums, additionally unlimited own contribution could develop in individual cases.

Contribution payment

  • monthly (only with credit card!)
  • 1/4 annually (3 % discount)
  • 1/2 annually (4 % discount)
  • annually (8 % discount)




Rare payment option gives up to 8% contribution discount!



 

General informations about Morgan Price Health Insurance

 

European health insurance since 1999

Morgan Price has, like the most EAA-service providers, much more clients than the most german health insurer. Many million insured trust the company worldwide since decades. The FinanzSchneiderei insurance broker has checked and tested the tariffs from Morgan Price since many years. Because our health experts are always there for you, we already have made an good experience in cooperating. At the EAA-service provider Morgan Price we are able to report from the beginning from an excellent reimbursement.

 

Astrenska Insurance behind Morgan Price until 31.12.2017

As a specialist for international health insurance stands the Astenska Insurance Limited behind the Morgan Price until the end of 2017. Since 01.01.2018 the viewed company Elmo Insurance have taken the position as reinsurer of Morgan Price, which is connected with global and financally strong reinsurers. With qualitative Underwriting and financial strength, the company from Malta makes a decisive contribution to the international insurance market.

Since 2018 Elmo Insurance Ltd. draw the health insurance tariffs of Morgan Price as risk carrier.

The international acitve insurer from Malta was founded 1981 in England. Since 01. May 2004 the company in Malta is registered and authorized by the Malta Financial Services Authority (MFSA) as EAA-service provider. With the reinsurer from Malta, Morgan Price is already responding to the possible consequences of Britain´s exit from the European Union. If it comes to a tough BREXIT, the health insurance can act quickly from Malta.

 


Key Facts of Morgan Price Health Insurance

  • Founded 1999
  • N/A Rated (A.M Best)
  • Unknown total members 
  • Headquarters: United Kingdom
  • Underwriter: Aria Insurance Ltd

 

Products

  • Range: Evolution Health
  • Type: International Medical
  • For: Individuals & Families
  • Duration: 12 months

Member Service 

 

In-Patient Direct-Billing

Emergency Assistance

Multilingual helpline

Medical Advisory helpline

Application fee

 

 

Covered areas

Area 1: Europe

Area 2: Worldwide Excluding USA

Area 3: Worldwide

Highlights

 

Free processing of the claim

Work together with other companies

Higly Price Competitive 

Renew automatically

30 day guarantee for money back

Innovative and quick to react to market

    changes

The modular product allows flexibility

The company keeps contact with you


Legal requirements Morgan Price is able to fulfill in Germany

German Statutory Healthcare policy within meaning of the Section §193 VVG

Cover includes out-patient, dental and inpatient benefits fulfilled
Max. excess of in- and outpatient cover less than 5.000 € not guaranteed
Scope of benefits meet substitutive healthcare policy partly fulfilled
Substitutive health insurance § 146 VAG
Premium includes saving reserves not fulfilled

No cancellation by provider due to non-payment

not fulfilled
Visa division for stays in the Schengen area
Cover in case of medical emergencies>30.000 EUR fulfilled
Medical emergency coverage fulfilled
Home country evacuation fulfilled
Assistance in case of death fulfilled
 

Documents of Morgan Price to download

Download
Wording Morgan Price health insurance 2018
Available in english and german. The wording of Morgan Price health insurance as a bilingual version.
Wording 2018 EN-DE.pdf
Adobe Acrobat Dokument 570.8 KB
Download
Morgan Price performance overview 2018
A performance overview of all Evolution Health tariffs of Morgan Price International Healthcare. The first both tariffs are not lockable in Germany
Morgan Price Evolution Table of Benefits
Adobe Acrobat Dokument 233.8 KB
Download
Informations of Morgan Price International Healthcare
Here you can find the keyfacts of Morgan Price International Healthcare Insurance as PDF-document
Evolution Key Facts 01 01 2016.pdf
Adobe Acrobat Dokument 67.9 KB

Morgan Price performance table

Table of benefits Standard Standard Plus Comprehensive Premium Elite
This is the maximum amount of money we will pay to, or on behalf of, each insured person in each period of insurance 500.000 750.000 1.000.000 1.500.000 2.000.000

Hospital benefits

In-patient hospital stay, including          
Hospital accommodation, nursing, theatre and ICU/HDU costs Full refund   Full refund  Full refund   Full refund   Full refund  

Surgeons’, anaesthetists’ consultants and physicians’ fees

Full refund   Full refund    Full refund   Full refund   Full refund 

Physiotherapy

Full refund   Full refund    Full refund   Full refund   Full refund 
Internal prostheses, medical aids/devices where used as an integral part of a surgical procedure Full refund    Full refund   Full refund   Full refund  Full refund  

Prescribed drugs and medicines

 Full refund   Full refund  Full refund    Full refund  Full refund  

Diagnostic procedures including x-rays, pathology and MRI/CT/PET scans

Full refund    Full refund  Full refund    Full refund  Full refund  

Day-patient treatment when a period of recovery is required in a hospital bed

Full refund    Full refund  Full refund    Full refund   Full refund 

Parental hospital stay for one insured person to stay with an insured child (under age

19) who is an in-patient

Full refund    Full refund  Full refund    Full refund   Full refund 

Cancer care benefit

Cancer treatment from the date an insured person is diagnosed as suffering from cancer, all and any treatment will be assessed and paid for under this benefit  Full refund  Full refund    Full refund   Full refund   Full refund 

Out-patient benefits

Out-patient minor surgery where no period of recovery is required in a hospital bed Full refund  Full refund  Full refund  Full refund  Full refund 
Out-patient services, including          

Physician and consultants fees

Prescribed drugs, medication and dressings

1,000 for treatment received within 6 weeks following an eligible in-patient hospital stay

2,500 5,000 10,000 Full refund

Diagnostic tests, x-rays, pathology

Not covered Full refund (up to limit shown in Section B) Full refund (up to limit shownin Section B)  Full refund (up to limit shown in Section B) Full refund (up to limit shown in Section B)

MRI/CT/PET scans

Not covered Full refund Full refund Full refund Full refund

Physiotherapy

Not covered 500 1,000 1,500 2,000

Medical aids and devices including the hire of mobility aids

Not covered 500 1,000 1,500 2,000

Complementary therapies, including chiropractic, homeopathy, osteopathy,

acupuncture, ayurvedic, herbal and Chinese medicines, with registered practitioners

and associated prescribed drugs and medicines

Not covered 500 1,000 1,500 2,000

Hormone replacement therapy to relieve the symptoms of the menopause

Not covered Not covered Not covered 250 350

Chronic condition benefits

Chronic medical condition treatment Covered within benefits 1, 2 & 3 above Covered within benefits 1, 2 & 3 above Covered within benefits 1, 2 & 3 above Covered within benefits 1, 2 & 3 above Covered within benefits 1, 2 & 3 above
Hospice care treatment for an insured person who is terminally ill and cared for in a hospice  Full refund - Maximum 14 nights Full refund -  Maximum 14 nights  Full refund - Maximum 14 nights Full refund - Maximum 14 nights   Full refund - Maximum 14 nights

HIV and AIDS treatment where contracted as a result of a blood transfusion

Not covered Not covered 2,500 each insured period Up to 37,500 lifetime limit 5,000 each insured period Up to 37,500 lifetime limit 7,500 each insured period Up to 37,500 lifetime limit

Wellness benefits

Wellness screening including cancer screening and routine health tests for early diagnosis of medical conditions Not covered 100 200 500 1000
Travel vaccinations/preventative medications for overseas travel  Not covered 50  75 100  150

Dental treatment benefits

Emergency dental treatment - dental treatment required immediately following an accident to repair sound natural teeth Full refund Full refund Full refund Full refund Full refund
Non-emergency routine dental treatment including routine examinations, x-rays, moulds, cleaning/polishing, fillings, extractions (except wisdom teeth) Not covered  Not covered 750  1000 1500
Non-emergency major dental treatment including crowns, inlays, bridges, dentures, root canal treatment and treatment of infections Not covered Not covered 750 1000 1500
Extraction of wisdom teeth as an in-patient, out-patient or day-patient Not covered Not covered Full refund Full refund Full refund
Orthodontic treatment for insured children under age 19 Not covered Not covered Not covered 500 1000

Maternity benefits

Complications of pregnancy and childbirth Not covered 2500 10000 15000 Full refund
Normal pregnancy and childbirth Not covered  Not covered Not covered 7500 10000
Paediatric benefit for the initial medical check-up of a newborn Not covered Not covered Not covered 150 300
Premature baby treatment received within the first two months following birth Not covered Not covered Not covered Full refund Full refund

Additional benefits

Infertility benefit investigations into the medical cause of infertility, where both members are insured under this policy and when the couple’s treating physician believes there are symptoms and/or evidence to suggest a medical cause Not covered Not covered Not covered 2000 3000
Congenital benefit for conditions not discovered at birth but which can subsequently be corrected with surgery. A maximum lifetime limit applies to this benefit Not covered  Not covered Not covered Full refund - Up to 20,000 lifetime limit Full refund - Up to 20,000 lifetime limit
Congenital/birth defects benefit for conditions diagnosed within one year of birth for babies conceived by natural means. A maximum lifetime limit applies to this benefit Not covered Not covered Not covered Full refund - Up to 20,000 lifetime limit Full refund - Up to 20,000 lifetime limit

Cash benefits

Hospital cash benefit when in-patient treatment received is free of charge  50 per night - Maximum 30 nights 100 per night - Maximum 30 nights 100 per night - Maximum 30 nights 200 per night - Maximum 30 nights 200 per night - Maximum 30 nights
Maternity cash benefit payable on the birth of a child when no claim has been made under the maternity benefit Not covered  Not covered Not covered 250 500
Convalescence cash benefit payable for each complete week of confinement to home (excluding first week) - benefit limited to 4 weeks in each period of insurance Not covered Not covered Not covered Not covered 500

Medical evacuation and repatriation benefits

Emergency medical transportation of an insured person to the nearest suitable hospital when local medical care is inadequate and returning them to their country of residence after treatment, including the costs of a medical escort if necessary Full refund Full refund Full refund Full refund Full refund
Companion travel costs when accompanying an insured person during emergency medical transportation Full refund Full refund Full refund Full refund Full refund
Companion accommodation costs when accompanying an insured person during an emergency medical tranpsortation Not covered 100 - Maximum 10 nights per event 150 - Maximum 10 nights per event 200 - Maximum 10 nights per event 250 - Maximum 10 nights per event
Medical assistance costs including referral, medical advice and obtaining essential prescription medication Full refund  Full refund Full refund Full refund Full refund
Dependent child travel costs for children under age 19 to travel to a destination of the insured person’s choice following their emergency medical transportation, or for a relative to travel to the desination of the children

Economy Return

Air Ticket

Economy Return

Air Ticket

Economy Return

Air Ticket

Economy Return

Air Ticket

Economy Return

Air Ticket

Repatriation of the deceased when death occurs outside the home country

Full refund

Full refund

Full refund

Full refund

Full refund

Local burial or cremation when death occurs outside the home country

1000

1000

2000

2000

5000

Out of area treatment benefit

Emergency out of area treatment for emergency medical treatment and acute episodes of existing covered medical conditions, whilst the insured person is temporarily travelling outside their selected geographical area 25,000 - Up to 30 days travel only 25,000 - Up to 30 days travel only 40,000 - Up to 30 days travel only  70,000 - Up to 30 days travel only 100,000 - Up to 30 days travel only

Evacuation to home country

Home country evacuation to an insured person’s home country (when the home country is within the selected geographical area). This only applies if this additional benefit has been purchased Full refund Full refund Full refund Full refund Full refund

Experiences of our customers of Morgan Price health insurance

 

As your german expert for the european health insurance we have made nearly exclusively the best experience with Morgan Price International Health Care since many years. Tehreby we constantly check new tariffs and offers on the market. Also in the benefit case and at the reimbursement we have made the best experience with Morgan Price health insurance since many years. That´s what our customers say:

Erfahrungsbericht der Morgan Price

 Maximilan S. from Manchester:

With the Morgan Price I finally found a payable healthcare. This means that I get the best medical supplies in case of illness.  Because of the FinanzSchneiderei there is also no language barrier for me.


 Alexandra T. from London:

The Morgan Price pays medical bills quickly and easily. This company also process all my claims very quickly and without any problems.  The team of the FinanzSchneiderei plan all transactions for me and discuss these things in german.


Versicherungsmakler Tobias Gansler

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