The english health insurance Morgan Price International Healthcore was founded in 1999 to offer powerful international and european health insurances for expatriates all over the world. As a health expert for the european health insurance, Morgan Price has a strong bond with customers. The FinanzSchneiderei insurance broker is thereby germans biggest partner of Morgan Price International Healthcore and their EUKV-expert from Augsburg to Zwickau! The application for the conclusion of an international health insurance at Morgan Price, like all forms to the reimbursement are available for you in german and english language.
INTERNATIONAL HEALTHCARE - GET A NEW QUOTE
About our service - just a few steps to compare plans
€ 125,88
Tarif Comprehensive*
Morgan Price
EVOLUTION HEALTH
- Treatment as a private patient
- free choice of a doctor incl. non-medical practioner
- Ambulant up to 5.000 EUR
- without Pregnancy-/Birth costs
- Treatment of a chef doctor in a hospital
- Accomondation in a single-room
- 750 EUR dentist costs p. a.
require now
€ 166,96
Tarif Premium*
Morgan Price
EVOLUTION HEALTH
- Treatment as a private patient
- free choice of a doctor incl. non-medical practioner
- Ambulant up to 10.000 EUR
- Pregnancy-/Birth costs
- Treatment of a chef doctor in a hospital
- Accomondation in a single-room
- 1000 EUR dentist costs p. a.
require now
€ 251,43
Tarif Elite*
Morgan Price
EVOLUTION HEALTH
- Treatment as a private patient
- free choice of a doctor incl. non-medical practioner
- Ambulant up to the limit
- Pregnancy-/Birth costs
- Treatment of a chef doctor in a hospital
- Accomondation in a singe-room
- 1500 EUR dentist costs p. a.
require now
*example: 125,88€ monthly contribution for a 30 - year old / deductible 500 EUR p. a. - The plan offers a comprehensive cover of the costs in a case of issue. - state 12/2017 Owing to prevailing regulations in Germany can´t or just pathly fulfill the criteria of the insurance obligation acc. § 193 VVG. Among others the contributions without a age provision are calculated and not suitable for the substitution of the health insurance protection as well as the care insurance protection of the social security system.
Plans and benefits of Morgan Price health insurance
The Morgan Price offers protection for the health insurance - wordlwide
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.
Tarife 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!
Performance improvements of european health insurance Morgan Price to 01.01.2018
NEW from the 01.01.2018 come several performance improvements of Evolution Health Police of Morgan Price health insurance into effect:
- Performances for chronic illnesses will no longer be reported separately in the future without a seperate limit
- no longer excess for pregnancy services
- Emergency treatments outside of the insured area are right now optional in every tariff lockable
- Stem cell- and bone marrow transplants are prospective insured
- Innate pains are prospective also in the Premium tariff insured
- Hospice services and stationary rehabilitation measures are right now insured
- Limitations for single dental treatments are eliminated: A maximum total for the annually refund simplifies the reimbursement
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.
Which legal requirement, the Morgan Price is able to fulfill in Germany?
| Obligation of health insurance §193 VVG | |
|
The insurance includes ambulant, dental and inpatient services |
fulfilled |
| The participation for ambulant and stationary services is less than 5.000 euro | partly fulfilled |
| Scope of services corresponds to the basic plans | partly fulfilled |
| Substitutive health insurance § 146 VAG | |
| Formation of retirement provisions | not fulfilled |
|
Waiver of termination if the contribtion is not paid |
not fulfilled |
| Visa division for stays in the Schengen area | |
| Reimbursement of medical emergencies | fulfilled |
| Medical emergency care | fulfilled |
| Return transport to your residence country | fulfilled |
| Assistance in case of death | fulfilled |
Adress of Morgan Price health insurance
Wymondham
Norfolk NR18 0WZ
United Kingdom
phone: +44 1379 646730
Email: info@morgan-price.com
Our conclusion: The Morgan Price health insurance offers cheap plans with professional services. However the plans below the o.g. aspects are not fulfilling the requirements to complete the insurance obligation acc. §193 VVG. Therefore the offered plan can´t replace a german privat or staturory health insurance.
Documents of Morgan Price to download
European Health Insurance in comparison
Especially for expatriates, emigrants and people without health insurance in Germany, the european health insurance of Morgan Price International Healthcare offers, in comparison to other EAA-service provider, high-quality insurances at low prices in case of illness. We will gladly make you a clear comparison from the tariff "jungle" to find the best offer for you. With our insurance comparison for the european health insurance, we are nationwide expert and accompany you in case of damage too. Compare now different tariffs with our online-calculator of foreign EAA-service providers - now and just in a few steps.
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:
Maximilan S. from Munich:
With the Morgan Price I finally found a payable health insurance. Because of the FinanzSchneiderei there is also no language barrier for me.
Alexandra T. from Hamburg:
The Morgan Price pays medical bills quickly and easily. The experts of FinanzSchneiderei discuss with me all transactions in german.
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 |
Further international EAA-service provider
EAA-service provider are european health insurance companies, who are because of an EU-guideline eintitled to pass on their insurances to all people in the European Union.
More detailed informations and differences to private german health insurances can be found here.
Forum Europäische Krankenversicherung
On the internet you can find many blog posts and a forum about european health insurance and Morgan Price health insurance. However are published contributions often outdated or could contain false informations. So always check the writer or author for credibility.
If you have any questions, please connect one of our EUKV-experts of FinanzSchneiderei Insurance Broker: We advise you independently professionally and custom!
For the avoidance of any doubt, foreign policies of insurance are NOT sold as German Statutory Healthcare policies and/or substitutive healthcare policies within the meaning of the VVG Section 193(3). These offers are comprehensive international medical insurance policies providing cover throughout the Area of Cover (which includes cover outside Germany) that you have selected and are insurance policies sold under the European Freedom of Services Mediation Directive. These policies being international medical insurance policies were subject to the governing laws of England and jurisdiction of the English and Welsh courts as well as the UK Financial Conduct Authority.
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