1. Private Health Associates, US
When you choose PHA U.S., you will have immediate, convenient and secure
access to online web based healthcare coverage information including a variety of
insurance plans such as, medical, life, travel accident, war risk and kidnap &
ransom. Our services are available at the touch of a button 24-hours-a-day, 365-
days-a-year.
www.phahealth.us

2. Private Health Associates, US success is based on the fact that we keep
our focus on the needs of our clients and policyholders. By consistently offering
quality plans and ethical service, PHA U.S. enjoys the loyalty of thousands of
client’s worldwide.
We believe qualities like, trustworthiness, integrity, loyalty, accountability and
fairness should be the foundation of all businesses. So, when you purchase your
personal or business insurance plan from PHA U.S., you can rest assured that
you’ll be in the best of healthcare.
www.phahealth.us

3. How We Serve our Clients,
In 2001, PHA, U.S. realized that more efficient and convenient
solutions needed to be created to protect its clients, first on a North
American Basis. The days of the old “kitchen table” type
consultations had all but reached an end. With the investment of
multi-state licensing and utilization of progressive underwriters,
online consumer access to multiple insurance products changed
our agency almost overnight.
So, while maintaining our bricks and mortar characteristics, we felt
it was our responsibility to create this "Virtual Internet Agency" so
that we might better serve the growing requirements of our now,
International client base. Today from this platform, Private Health
Associates, US provides a secure portal for customers to request
quotes, review, from a choice of policy coverage’s and purchase
their plan online or by print and post 24/7, 365 days a year
www.phahealth.us

4. Private Health Associates, US restricts access to your
nonpublic personal information and only allows disclosures to
persons and companies as permitted by law to assist in
providing products or services to you. We maintain physical,
electronic, and procedural safeguards to protect your nonpublic
personal information.
We are pleased to inform you that 1&1 is performing a comprehensive upgrade of
its Linux hosting platform as a continuous effort to provide you, our valued
customers, with a robust and secure hosting infrastructure. To offer you even more
superior security and performance, we will be upgrading to Debian/Linux 4.0 (code
name Etch), a highly stable version of Linux.
Additional firewall protection via F-Secure Internet Shield further protects our
client’s privacy at the local and desktop level
www.phahealth.us

5. International Travel and Expatriate Risks
We have learned from experience that obtaining medical treatment or hospital care
while abroad can be very expensive. Worst case, if you require medical evacuation
back to the United States, (or your home country), those costs can easily exceed
$50,000. Health Insurance policies issued in the USA may on occasion reimburse
you for medical costs that were incurred abroad, but those overseas hospitals and
clinics typically require payment immediately, in cash.
Social Security Medicare and Medicaid do not provide any coverage for hospital or
medical costs to seniors while traveling outside the United States.
PHA U.S. since it’s inception has recognized an increased need not only for travel
accident medical coverage, but political evacuation, kidnap, ransom and detention
protection as well. To meet the growing needs of our clients we offer access to these
specialty coverage’s from the Nations Largest and Oldest Lloyds Broker
www.phahealth.us

6. We Offer Value and Choice
Quality, financial stability and variety are key issues to all insurance buyers, but
value is almost always king. With PHA, U.S. our insurance carriers and/or
administrators are located in the United States. So those clients outside the USA
purchasing coverage enjoy the current exchange rate http://www.xe.com and
further maximize their coverage acquisition.
Private Health Associates, US are Independent Agents. Specifically, Independent
Agents are “ An insurance agency that represents multiple insurance companies,
not just a single insurer”. Our customers enjoy the freedom to choose the plan that
best fits their needs and financial resources.
It’s truly to our advantage that we are not tied to any particular insurance carrier or
administrator. This can be extremely important as clients needs change, (such as
country of residence) you don’t need to change agencies.
www.phahealth.us

7. How We Provide Claims Assistance
Each policy purchased from PHA, U.S. typically includes provisions that define
both the insured’s obligation to provide timely notification of loss to the insurer and
the insurers obligation to make prompt benefit payments to the insured.
Most any policy purchased from Private Health Associates, US online, offers
immediate evidence of coverage, including your insurance identification card. On
plans where medical underwriting is required, your insurance carrier will notify you
by email, phone or postal service of your acceptance.
Due the sensitivity and inherent risk associated with kidnap & ransom and war
risk coverage, these policies will always be delivered by hand via special courier.
In the event of any claim, always first consult with your insurance policy. Each
insurance identification card may offer both toll free (USA) and direct dial (collect)
phone numbers to pre-certification, evacuation or claims administrators. Most all
carriers provide multi-lingual and twenty-four hour claims assistance.
www.phahealth.us

8. How We Address Kidnap & Ransom Risks
Kidnapping for ransom has now become a common
occurrence and is in fact a thriving business in many parts
of the world. There are even certain countries or cities
branded as the “Kidnapping Capital of the World.” In
2007, Baghdad held that particular title.
Whether it’s Mexico, Columbia or Hong Kong, these and other countries have both
lengthy and documented histories of Kidnapping and detention.
Kidnappings are typically carried out strictly to obtain a ransom and in most cases a
ransom is paid. In the event of your kidnapping, a specialized Crisis Response
Team will dispatch competent and experienced personnel that are stationed within
four hours travel time of any location on the Globe.
Private Health Associates, US can assist in securing this complex and often
misunderstood form of insurance protection.
www.phahealth.us

9. Emergency Medical Evacuation
Most travelers or expatriates fail to realize that
Emergency Medical Evacuation coverage is typically not
included in their home country healthcare plan. US
health insurance policies and Medicare plans especially
do not cover you outside the USA for emergency
medical evacuation.
Imagine you are on your way to a business meeting or enjoying your vacation
holiday in a third world country and a medical emergency strikes. Will they have the
appropriate facility to address your illness or accident? What if you require
evacuation by air ambulance or helicopter?
We have learned that most clients prefer to be transported to a US, European or
nearest country that has the latest medical facilities with modern diagnostics to
evaluate and stabilize your condition. Remember to consult first with the claims or
evacuation specialist on the medical identification card issued by your insurer.
www.phahealth.us

10. Our World Class Underwriters
Our underwriters identify and classify the degree of risk
represented by the variety of clients we represent.
Luckily, most travel plans require minimal underwriting
and can be issued online within a few minutes
Private Medical Insurance, Long Term Expatriate Healthcare and life insurance are
examples of plans that require medical underwriting. Private Health Associates,
US are fortunate to hold appointments with multiple insurance carriers underwriters.
This association is a tremendous benefit to our clients and provides countless
options to best fit each particular situation.
In difficult cases regarding kidnap & ransom, or war risk, our carrier’s underwriters
will provide the most comprehensive coverage based on each particular situation.
Due to the complexity and inherent risk involved in this type of coverage, great care
and research are required to develop these plans.
www.phahealth.us

11. Private Health Associates, US licensed since 1991 has enjoyed continued
success since the inception of our local life and health agency to the Worldwide
Multi-Line Agency it is today. We have identified the fact that most consumers
are not aware of the complexities of International Healthcare and Security while
traveling or living abroad. PHA, U.S. addresses these deficiencies regardless of
your particular personal or business insurance exposure and offers appropriate
solutions. Most coverage’s can be acquired easily online 24/7, 365 days a year
via our secure server. Our NAIC National Producer Number is 1109569.
In the UK our marketing partner, JBI International Insurance Brokers Ltd. has
over 30 years experience providing insurance cover to UK residents and
businesses as well as niche markets including H.M. Forces and British &
American International Schools & expatriates. JBI International Insurance
Brokers is a separate entity not affiliated or sharing ownership with PHA, U.S. but
assists both UK and EU & EEA residents with the highest quality of service from
their offices in the UK. They are Authorised and Regulated by the Financial
Services Authority, and their Firm Reference Number is 308981.
www.phahealth.us

12. Private Health Associates, US
4150 International Plaza, Suite 550
Fort Worth
TX 76109
USA
info@phaus.com www.phahealth.us
01.866.360.3543 Phone
01.817.738.4090 Fax
Jesse Heim III licensed agent/broker. Licensed in all fifty states. TX, License 696602, Surplus
Lines, 1389274. Our CA license 0C99460 and Licensed FL agent number E000048. PHA, U.S.
has held membership with the National Association of Insurance and Financial Advisors,
(NAIFA) number 1265787, since 1996. Our NAIC National Producer number is 1109569.
Private Health Associates, US, operates under license and authority of The Texas Department
of Insurance. PHA, U.S. complies with NAIC bylaws, and the NAIFA code of professional
ethics. All coverage's are not available in all states and jurisdictions
www.phahealth.us

13. Thank
you
www.phahealth.us