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RedFx

Letter from the founder...

The following is a letter from RedFX founder Kevin Tullett -

To all present and future clients, I have always believed in the need for added value products being offered by RedFX.

I stand by my mission statement of “Going Global? Let us help!” and to that end want to introduce something new. International Health Insurance.

Maybe not as exciting as FX, but similar to our solid support for FX transactions, insurance is a critical part of moving your money and yourself to the place you want to be.

To that end I have partnered RedFX with a proven firm, providing a solid platform of health and property insurance solutions - ASTTRAL International Insurance. They, in turn, have developed an insurance plan that is targeted to RedFX clients ...You

This concept is centred around the principle that all members will have an affiliation or association with a common entity, in this case - RedFX. This will be a tangible benefit for RedFX clients - you will enjoy comprehensive health coverage which is currently open only to large group plans with both competitive premium rates and solid health-cover benefits.

ASTTRAL have developed this with a proven leader in the International Health Insurance market, with global coverage - IMG.

I invite you to read more about this in the pages below. More importantly … follow the links to register and get a quote.

With Kind Regards,

Kevin Tullett MSc, Founder – RedFX

FAQs

OK – so what is an affiliation insurance plan, I already have individual insurance, what’s the difference?

Simply put we form an umbrella health and benefits plan open to all current clients, which then becomes a GROUP. As you the client are now part of a larger pool of insured people, we can offer very attractive premiums (the price) and better health benefits.  It’s all about the economy of scale!

But what about the medical networks to see my preferred doctors and when I travel internationally, who is the insurance carrier covering me?

We are working with one the largest internationally placed carriers in the industry to develop this with a huge global and local network of doctors and facilities.  In short you will be covered!

…and my family can be covered too?

Absolutely!  There will be no difference to how you are currently covered either as an individual or in a current group plan.  The BIG difference will be the level of cover we can offer and the flexibility for you to choose a plan that meets your needs both in cost and benefits, in short, it’s about providing more choices. 

You mentioned groups – my company is already on a group plan. Why would I move over to your Affiliation plan?

Well, lets start by looking how LARGE your group is.  Let’s say you have 100 employees paying a certain premium cost.  Now imagine your group actually had 1,000 employees. Their rates would be far more competitive because of the volume and their benefit choices would also increase in terms offering more plan choices for each employee or class of employees, for example, executive cover versus work-force cover. 

I have a pre-existing condition, I am a cancer survivor, I will probably be declined or rated up like I am now!

No, not necessarily.  You are now no longer an individually covered person per se, but part of a larger group – so your rate and risk are DILUTED by the health of the overall group members.   HOWEVER, that brings us to one very important point.   To be a viable affiliated group there has to be a large enrolment base or at least interest for us to start developing the plans and premium rates.

OK, so how easy is it get enrolled in this plan?

Everything is done online, securely, with members enrolled and provided documentation electronically.  It’s a fast, easy, process.

Contact Us:  info@ASTTRAL.com

The information above is for informational purposes only and describes IMG's general capabilities and a broad overview of the products and services it offers. The actual products, services, and payments that IMG arranges or provides for you will be determined by your services contract. This information is not a promise, a contract or a contract offer, but an invitation for you to make an offer.

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Disclaimers

Benefits are subject to exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. The information on this page is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance or the Application, Master Policy and any riders or other governing documents (the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. Please note that benefit limits and maximums for residents of NY and WA may vary. For all state specific benefit details, please refer to the policy documents for each plan.

You can find sample policies for each state here:

  1. iTravelInsured Travel Lite
  2. iTravelInsured Travel SE
  3. iTravelInsured Travel LX
  4. iTravelInsured Travel GT

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX, GT plans and all iTravelInsured Choice and iTravelInsured Essential plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by SiriusPoint America Insurance Company under form series SA-ITI-19-1000 et. al. SiriusPoint America Insurance Company is rated A- (Excellent) by AM Best 2023.

The plan document you receive will depend on your state of residence. For some iTravelInsured Lite, SE, LX and GT plans: This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et. Al., T210 et. al. and TP-401 et. al. While International Medical Group (IMG), markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by IMG, and IMG does not receive compensation from USF for providing the non-insurance components of the plans.

The plans also contain non-insurance Travel Assistance Services provided by International Medical Group and Teladoc (Teladoc only available on iTravelInsured Choice, iTravelInsured Travel SE, and iTravelInsured Travel LX plans). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/ agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact International Medical Group 9200 Keystone Crossing, Indianapolis, IN 46240 USA. Insurance@imglobal.com. +1 (317) 655-9796. iTravelInsured Insurance Services CA Non-Resident Producer License No. 0F17093.

*TrustPilot ranking based on data collected in January 2024 from travel insurance providers with over 1,000 TrustPilot reviews

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