DavidShield Health Insurance, a leader in the field of expatriate health insurance, has been serving customers since its inception in 1999.
With offices in Israel, Germany, Cyprus, and Australia, DavidShield health insurance provides services to customers in over 150 countries. They have strategic alliances with the world’s leading healthcare providers and insurance companies, including Allianz SE Group, White Mountains Insurance Group, and UnitedHealthcare.
Understand how DavidShield Health Insurance can fit into your offshore health insurance needs for comprehensive coverage.
If you have any questions or want to invest or get insured as an expat or high-net-worth individual, you can email me (advice@adamfayed.com) or use these contact options.
Table of Contents
What is DavidShield Health Insurance?
DavidShield health insurance is a part of the DavidShield Group, which is a leader in the international private medical insurance (IPMI) and travel insurance industries. The group also includes PassportCard travel insurance and DavidShield insurance company Ltd. DavidShield health insurance is dedicated to providing their customers with the best service experience, making it easy for them to access quality healthcare anytime and anywhere in the world.
Brief History of DavidShield
DavidShield was founded in 1999 and has since grown to become a leader in the field of expatriate health insurance. The company’s innovative approach to healthcare has earned it numerous awards, including the 2016 Expatriate Management and Mobility Award.
Overview of DavidShield’s Services
DavidShield health insurance offers a range of services to its customers. These include access to healthcare services across the globe, without the need for out-of-pocket expenses or submitting claim forms. The company also provides a unique solution called DavidCard, which is a credit card that enables customers to pay for medical services directly.
Understanding the Coverage of DavidShield Health Insurance
It offers extensive medical coverage. This includes everything from doctor visits, childbirth, well baby, and well child care, to surgery, hospitalization, and transplants. The company offers two main types of plans: Worldwide Excluding USA and USA & Worldwide.
What Does DavidShield Health Insurance Cover?
DavidShield health insurance provides comprehensive coverage for a wide range of medical services. This includes doctor visits, childbirth, well baby and well child care, surgery, hospitalization, and transplants. The company’s unique DavidCard allows customers to pay for these services directly, eliminating the need for out-of-pocket payments.
Inpatient Care
It provides coverage for inpatient care, including hospitalization and surgery. This ensures that customers can receive the necessary medical treatment without worrying about the cost.
Outpatient Care
Outpatient care, including doctor visits, is also covered by DavidShield health insurance. This means that customers can receive regular medical check-ups and necessary treatments without any financial burden.
Prescription Medications
DavidShield health insurance covers the cost of prescription medications. This is a significant benefit for customers who require regular medication for chronic conditions.
Emergency Services
Emergency services are also covered under DavidShield health insurance. This ensures that customers can receive immediate medical attention in case of emergencies, regardless of where they are in the world.
What is Not Covered by DavidShield Health Insurance?
While DavidShield health insurance provides extensive coverage, there may be certain exclusions and limitations. It’s important for customers to thoroughly review their policy documents to understand what is not covered.
Exclusions and Limitations
The specific exclusions and limitations of DavidShield health insurance may vary depending on the specific plan chosen. Customers should carefully review their policy documents and consult with a DavidShield representative if they have any questions.
Evaluating the Cost of DavidShield Health Insurance
When considering health insurance options, one important factor to evaluate is the cost of the premiums. DavidShield health insurance aims to offer competitive rates that are generally lower than similar health insurance plans around the world. The company understands the significance of affordable coverage and works closely with customers to personalize and adapt the policy to fit their specific needs.
How DavidShield Determines Premium Costs
DavidShield health insurance employs a premium structure that takes into account various factors to calculate the cost of coverage. By understanding these factors, customers can make informed decisions about their health insurance plan.
Type of Plan Chosen
The type of plan chosen by the customer plays a significant role in determining the premium cost. DavidShield health insurance offers a range of plans, including individual, family, and group plans. The coverage and benefits provided by each plan differ, and accordingly, the premium cost varies.
Customer’s Health Status
Another crucial factor that influences the cost of DavidShield health insurance premiums is the customer’s health status. During the application process, individuals may need to provide information about their current health condition and medical history. Based on this information, the premium is calculated to reflect the level of risk associated with providing coverage.
Level of Coverage Required
The level of coverage required by the customer is also taken into consideration when determining the premium cost. DavidShield health insurance offers different coverage options, ranging from basic essential coverage to more comprehensive plans. The extent of coverage desired by the customer will affect the premium amount.
Cost-Effective Solutions with DavidShield Health Insurance
DavidShield health insurance aims to provide cost-effective solutions for individuals and families seeking reliable coverage. The company strives to offer competitive premium rates while maintaining a high standard of service and coverage. By working closely with customers, it ensures that the selected plan meets their specific needs and budget.
Exploring Additional Factors in Premium Calculation
While the type of plan chosen, the customer’s health status, and the level of coverage required are key factors in determining premium costs, there are additional considerations to keep in mind.
Age and Gender
Age and gender can also influence the cost of its premiums. Typically, older individuals may have higher premium costs due to increased health risks associated with aging. Additionally, some plans may have different premium rates for males and females, as certain health conditions or services may be more prevalent in one gender.
Geographical Location
Geographical location can impact premium costs as well. The cost of healthcare services and the overall healthcare landscape vary from one region to another. Therefore, customers residing in areas with higher medical expenses may have slightly higher premium costs.
Additional Coverage Options
It offers various additional coverage options that can affect the overall premium cost. These options include coverage for pre-existing conditions, maternity benefits, dental and vision care, and prescription medications. Customers can choose to add these options to their plan based on their specific healthcare needs, which can influence the final premium amount.
Deductibles and Co-payments
Deductibles and co-payments are essential components of health insurance plans. The deductible is the amount the customer must pay out-of-pocket before the insurance coverage kicks in, while the co-payment is the fixed amount the customer pays for each covered service. The level of deductibles and co-payments chosen by the customer can impact the premium cost. Generally, higher deductibles and co-payments result in lower premium costs, while lower deductibles and co-payments lead to higher premiums.
Deductibles, co-pays, and out-of-pocket maximums can significantly impact a customer’s budget. Customers should consider these costs when choosing a plan to ensure that it fits within their budget.
DavidShield’s Network of Providers
DavidShield health insurance has strategic alliances with the world’s leading healthcare providers and insurance companies. This ensures that customers have access to quality healthcare services, regardless of where they are in the world.
In-Network vs. Out-of-Network Providers
DavidShield health insurance customers can choose to receive treatment from in-network or out-of-network providers. However, the cost may vary depending on the provider chosen.
Choosing an out-of-network provider may result in higher out-of-pocket costs. Customers should consider this when choosing a healthcare provider.
International Coverage and Travel Benefits
DavidShield health insurance provides coverage in over 150 countries, making it an excellent choice for customers who travel frequently or live abroad.
H2 Customer Service and Support at DavidShield
DavidShield health insurance is dedicated to providing excellent customer service. The company’s dedicated team is available 24/7, ensuring that customers can receive assistance whenever they need it.
Accessibility of Customer Service
DavidShield health insurance’s customer service team is available 24/7. Customers can contact the team via phone, making it easy to receive assistance at any time.
Customers can contact DavidShield health insurance’s customer service team via phone. The team is available 24/7, ensuring that customers can receive assistance whenever they need it.
Quality of Customer Support
DavidShield health insurance is committed to providing high-quality customer support. The company’s dedication to customer service has earned it numerous awards, including the 2016 Expatriate Management and Mobility Award.
Customer reviews and feedback indicate that DavidShield health insurance provides excellent customer service. The company’s dedication to customer satisfaction is evident in its commitment to providing high-quality customer support.
Claims Process at DavidShield
DavidShield health insurance makes the claims process easy for customers. With the unique DavidCard, customers can pay for medical services directly, eliminating the need for out-of-pocket payments or submitting claim forms.
Filing and Claiming
With DavidShield health insurance, customers don’t need to file a claim for most services. They can simply use their DavidCard to pay for medical services directly.
To use the DavidCard, customers need to log in to the DavidShield App, load their card, and then swipe it at the doctor’s office. This eliminates the need for out-of-pocket payments or lengthy reimbursement processes.
Since most services are paid for directly using the DavidCard, there is typically no need for a claim approval or reimbursement process with DavidShield health insurance.
Positive Reviews and Testimonials
While there are positive reviews about DavidShield health insurance, they are not as prevalent on the internet. The company’s innovative approach, such as the DavidCard, has been praised by some customers for its convenience and ease of use.
Some customers appreciate the convenience of the DavidCard, which allows them to pay for medical services directly without the need for out-of-pocket payments or submitting claim forms.
Negative Reviews and Complaints
On the other hand, DavidShield health insurance has received some negative reviews as well. Some customers have expressed dissatisfaction with the company’s customer service and claims process. According to a review on PissedConsumer, some customers have had their claims denied on the grounds of pre-existing conditions, which has led to significant out-of-pocket expenses. Others have complained about high premium costs and lack of transparency in the company’s policies.
Common complaints about DavidShield health insurance include denied claims, high premium costs, and poor customer service. Some customers have also expressed dissatisfaction with the company’s handling of pre-existing conditions.
DavidShield vs. Other Health Insurance Providers
DavidShield health insurance offers unique features like the DavidCard, which allows customers to pay for medical services directly. However, some customers have expressed dissatisfaction with the company’s customer service and claims process.
Coverage Comparison
DavidShield health insurance offers comprehensive coverage for a wide range of medical services. However, some customers have complained about the company’s handling of pre-existing conditions.
Cost Comparison
DavidShield health insurance offers competitive premium rates. However, some customers have complained about high premium costs and lack of transparency in the company’s policies.
CIs DavidShield Health Insurance Right for You?
DavidShield health insurance offers unique features like the DavidCard and comprehensive coverage for a wide range of medical services. However, some customers have expressed dissatisfaction with the company’s customer service and claims process. It’s important to thoroughly review the company’s policies and consider customer reviews before choosing a health insurance provider.DavidShield health insurance offers unique features like the DavidCard, which allows customers to pay for medical services directly. The company also offers comprehensive coverage for a wide range of medical services.
Some customers have expressed dissatisfaction with DavidShield health insurance’s customer service and claims process. There have also been complaints about high premium costs and lack of transparency in the company’s policies.
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