Morgan Price is an international healthcare company that with its simple and competitive products provides peace of mind from an uncomplicated application to filing claims and receiving reimbursement. Working in various markets across the world, Morgan Price offer a range of plans appropriate to each location and are one of the founding members of the Association of International Medical Insurance Providers (AIMIP).
Their clients are central to everything that they do and as such they are committed to treating customers in a fair, honest and transparent manner.
Morgan Price International Healthcare Ltd, a specialist international private medical insurance provider formed in 1999, is a reliable, honest, international healthcare company, providing peace of mind with simple and competitive products. They are a UK based company and are authorised and regulated by the Financial Conduct Authority (FCA). Working in various markets across the world, Morgan Price offer a range of plans appropriate to each location and are one of the founding members of the Association of International Medical Insurance Providers (AIMIP).
Their clients are central to everything that they do and as such they are committed to treating customers in a fair, honest and transparent manner.
1. Full Medical Underwriting
74 years of age is the maximum at the start date of the policy.
Morgan Price cover most medical conditions and for this reason need to assess the client's state of health by presenting 54 medical questions.
These questions focus on the clients former health insurance history, medical consultations and examinations by a general doctor in the last 12 months or by a specialist in the last 5 years but also go into specifics, related to disorders such as, AIDS/ ARC/ HIV, blood pressure, brain, cancer, chest pains, cholesterol, cystic fibrosis, dentures, diabetes, ears, eye, hernias, immune system, kidney, liver, lung, mental status, neurological functions, nose, prostate, respiratory system, skin, thyroid, ulcers, urinary tract.
2. Moratorium Clause
55 years of age is the maximum at the start date of the policy.
Any pre-existing conditions during the 5-year period before start date are not covered but, unless the condition is not specifically excluded, will become eligible for cover after being insured for continuous 2 years. In addition, since initial treatment the claimant must be symptom-free, have not consulted any medical practitioner nor been prescribed or taken medicine, including over the counter drugs, special diets, injections or physiotherapy.
Important:
Severe illnesses that may not have been identified however manifest themselves in the first 6 months of a policy will be deemed pre-existing.
General enquiries:
| info[at]morgan-price.eu Tel.: +44 1379 646 730 Fax.: +44 1379 652 794 |
| Data Protection: | dataprotection[at]morgan-price.eu |
Claims:
| Email: mpclaims[at]morgan-price.eu Telephone: |
How to make a complaint Customer complaints can be filed by email using info[at]morgan-price.eu, or in writing to: Morgan Price (Europe) ApS ØENS Virksomhedsadministration ApS Complaints Department Lergravsvej 59, 1 2300 København S Denmark
Morgan Price (Europe) ApS
ØENS Virksomhedsadministration ApS
Lergravsvej 59, 1
2300 København S
Denmark
Full Medical Insurance:
Areas of Cover:
The 'Evolution Health' plans of Morgan Price offer 4 different geographical areas of cover.
*Area 1 is defined as:
Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic,Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, all islands of the Mediterranean, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Urals), Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom and Vatican State.
Morgan Price's 'Evolution Health' plans are underwritten by: SI Insurance (Europe),SA that is a Germany based subsidiary of the Luxembourg insurer SI Insurance (Europe)
Claim submission deadline:
3 months, as from date of treatment
Pre-authorisations required:
Within Morgan Price's Policy Wording you will find the following benefits that require pre-authorisation and should treatment be carried out without preauthorisation as per their detailed benefit schedule, they apply a 25% co-payment to each claim.
If admitted to hospital in the event of an emergency, to avoid a 25% co-payment Morgan Price needs to be contacted within 2 days by the patient, a representative, or even a member of the hospital staff.
Designed to allow the clilents to take their policy details with whenever, and wherever they go.
For more details see their phamplet (link).
Exclusive to ERICON broker, Morgan Price have committed themselves to turn around all applications based on the moratorium clause (pre-existing conditions excluded), that are paid by credit card and submitted before 3 p.m. CET.
14 days’ notice in writing to cancel the policy from the date of receipt of such instruction or from a future date, but under no circumstances is a retrospective cancellation possible.
Provided no claims or pre-authorisations have been put in place during the current period of insurance, a pro-rata refund may be applicable. If a claim has been made no refund possible and outstanding instalment premiums remain payable.
Administration fee: £/€/$ 30.00
Depending on country of residency, further paperwork might be required!
| Benefit / Treatment | Waiting Period |
|---|---|
| Congenital | 12 months |
| Dental | 6 months |
| Infertility | 12 months |
| HIV and AIDS (as a result of a blood transfusion) | 2 years |
| Maternity | 10 months |
| Psychiatric (Outpatient) | 12 months |
With Morgan Price the COVID vaccine is covered under the Wellness benefit 5A (link) and not subject to a deductible.
As an example: On their Standard Plus plan Morgan Price reimburse a max. 100.00€, per person/ per annum once the general 12-month waiting period on their Wellness benefit has been exceeded.
Please note that vaccinations for adults are really meant for travel purposes only i.e. Typhoid, or Malaria medications. Thus, routine vaccinations such as the flu jab is actually not covered.
How to claim:
The claim form (link) needs to be taken to the appointment and the medical facility will need to fill out the according section.
On sending the claim form to Morgan Price and paying for the treatment upfront, reimbursement will follow swiftly. to claim form.
The following updates apply to all Evolution plans and for those members situated in the European Union/ European Economic Area.
As you will be aware the United Kingdom left the EU on 31/01/2020.
Following this date there is an agreed period of transition in place that means we can continue to offer you terms with Morgan Price International Healthcare Ltd and your Insurer Elmo Insurance Limited of Malta.
Once the post Brexit deal between the UK and the EU is finalised, there will be a necessity for your policy to be managed from within the EU and Morgan Price has established an EU company to do this.
To be clear - your cover will not be affected by this change of administration office. The Insurer is and will remain Elmo Insurance Limited post the final deal being agreed, and you will have seamless cover going forward.
We understand that this period of uncertainty over Brexit has gone on for a long time and is still not quite finalised, but we want to assure you as a loyal Morgan Price Customer that any change will have no impact on the servicing of or cover provided under your policy.
Please be assured we have everything in place and you will be kept updated when the time comes and we move the administration over to our EU company over the next year.
Meanwhile we look forward to continuing to offer you the first class service that Morgan Price strives to provide.