Pacific Prime Clients With Globality Health Seeing Increased Medical Insurance Premiums

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Globality Health has recently announced several changes to its YouGenio, YouGenio World, and CoGenio plans, including increased medical insurance premiums.

Pacific Prime

Pacific Prime

Starting in 2014, the waiting period for maternity will also be extended from 10 months to 12 months...

Pacific Prime clients with a YouGenio, YouGenio World, or CoGenio plan from Globality Health will soon be seeing several changes to their plan, including increased medical insurance premiums and an updated waiting period for maternity benefits.

Effective January 1st, 2014, the YouGenio World plan in Plus and Top levels will have a premium increase of 85%. The Classic level will have a premium increase of 12%, and the Essential level's premium will increase by 18%. The old YouGenio plan for Zone B (worldwide excluding USA) will increase premiums by 100%.

With the general industry benchmark for premiums increase being only 10% annually, Globality's recent changes are out of the ordinary, though not surprising.

YouGenio and CoGenio were both launched in 2009, designed specifically for clients in Europe. The successful plans were later brought to Asia, but without any adjustments to meet the specific requirements of the region. Although successful at first, these benefits were not sustainable over time. In addition to several other factors, such as claims problems in China and rising medical costs Globality has finally had to increase their premiums in the region.

Globality Health understands that the 100% YouGenio Zone B price-increase will encourage policyholders to consider other options. To counteract this, Globality has stated that if old clients migrate to the YouGenio World plans available in their residence zone (at equivalent or lower level, and with no additional underwriting), then "underwriting-free migration on renewal remains available and prior years will be credited towards the new waiting periods".

Starting in 2014, the waiting period for maternity will also be extended from 10 months to 12 months where two persons over the age of 18 are insured under the same policy. If there is only one adult on the plan, the maternity waiting period will be 24 months.

To read more about the recent changes to Globality Health, including a full list of premium increases on the various plans, visit

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Neil Raymond
Pacific Prime
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