BrokerFish.com: Insiders Guide To IHI

The Insider’s Guide To

Buying The Perfect International
Health Insurance Policy

BrokerFish

The Insider’s Guide To Buying The Perfect
International Health Insurance Policy
This eBook provides an insider’s perspective on the knowledge of how to make a well-informed choice
when it comes to buying an expatriate international health insurance (IHI) policy.

Whether you are in the market to buy a policy, are considering a switch, or are generally just looking to
learn more, our goal is to provide you with the knowledge that is critical to ensuring that you have all the
necessary information to make sure you’re on the inside track.

Besides providing you with an overview of the positive aspects of IHI, we’ll explains some of the pitfalls
which can occur and which tend not to be highlighted by Insurers, empowering you to avoid them.

Worth reading? We think so.
What our guide will not do is convince you of the merits of a particular insurance policy or insurance
company. Instead, we will educate you on how you can find the best policy for yourself.

By the end of this eBook you will be able to answer:

What is international health insurance all about anyway?
What are the answers to some of my FAQs?
How can I choose and buy a policy that works for me?
How do I get the best value for money?
How can I protect myself against unpleasant surprises?

BrokerFish

Table of Contents
Why Pay For IHI?

IHI Basics
5 What is it?
5 Key features
6 Benefit options
7 Insurance jargon
8 Eligibility
8 Buying IHI
9 Going direct

Choosing The Right Policy
10 Step 1 – First things to consider
11 Step 2 – Select a suitable level of cover
14 Step 3 – Go fishing for policies
15 Step 4 – Submit an application

So, Now You’re Covered!
16 What’s included in my membership pack?
16 What happens if I’m unconscious and I’m rushed to hospital?
17 Making a claim
18 Will my premiums go up?
18 How to keep premiums down
19 Exclusions & limitations

Before You Take The Plunge
20 Annual limits
21 Waiting periods
22 Pre-existing conditions
23 Developing chronic conditions while insured
23 Differences between IHI, local and travel plans

BrokerFish

Why Pay For IHI?
Why Pay For International Health Insurance?
It’s all about certainty.

IHI Basics
Many people don’t really understand the basic purpose of health insurance even after they have
purchased a policy. Here are some reasons why subscribing to an international health insurance policy
makes sense:

Reduce financial risk Receive World Class treatment
Out of pocket medical expenses resulting from Having a good international health insurance
serious injury or illness can be devastating. policy provides access to World Class provider
Having a good health insurance policy can networks ensuring that you are in the very best
literally save you from bankruptcy. hands should you become ill.

Worry less Be healthier

If the worst happens, you will have the peace of Regular health checks are a common feature of
mind knowing that your future is not dependent international health policies. Identifying health
upon state health systems or goodwill of family problems early can help prevent serious issues
and friends. developing.

“Isn’t it too “Not always. In fact, international

expensive to health insurance can be surprisingly

buy coverage?” affordable. On average, BrokerFish

clients pay as little as $158 per month.”

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BrokerFish

Why Pay For IHI?
Let’s Get Started - IHI Basics
What is it?
Irrespective of nationality, gender or income, more and more expats recognize the need for an

IHI Basics
international health insurance policy.

In essence, international health insurance (IHI – also sometimes called private medical insurance – PMI)
is:”

..insurance that is designed to cover the costs of private medical
treatment for expatriates overseas.

A basic IHI policy, provides medical treatment and reimbursement of medical expenses in the event of
disease, illness or injury and which aims to return you to the state of health you were in immediately
before suffering from the incident.

What are some key features of a typical IHI policy?

Flexible Options Mobile Cover
From budget emergency cover to hazardous BrokerFish health policies cover you wherever
sports cover, BrokerFish plans are highly you are in the world and are available to people
flexible and can be tailored to suit your lifestyle. from over 200 different countries.

Provider Network Cashless Settlement
Insurance companies have partnerships Insurers will arrange for direct billing with major
with thousands of hospitals and hundreds of hospitals so that you don’t need to pay out and
thousands of doctors. then reclaim the cost of your treatment.

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BrokerFish

Why Pay For IHI?
What are the typical benefit options of IHI policies?
In-Patient Out-Patient
The most basic form of international health Out-Patient refers to treatment provided in the
cover, In-Patient refers to treatment received practice or surgery of a medical practitioner,

IHI Basics
in a hospital where an overnight stay is therapist or specialist and does not require the
necessary. patient to be admitted to hospital.

Maternity Dental

Provides cover for medical costs incurred Routine dental includes an annual dental check-
during pregnancy and childbirth, including up, simple fillings related to cavities or decay
hospital charges, specialist fees, pre and post- and root canal treatment. Complex dental
natal care, midwife fees as well as newborn includes gum disease treatment, orthodontics
care. and dental prostheses.

Well being Vaccinations
Encourages good health through early Refers to immunisations and booster injections
detection of serious illnesses. Includes things in addition to the cost of consultation for

like cancer screening, vital signs tests and administering the vaccine.
cardiovascular system testing.

Evacuation Repatriation
Evacuation covers you for transport costs to Repatriation, allows you the added benefit of
the nearest suitable medical centre, when the returning to your home country to be treated in
treatment you need is not available nearby. familiar surroundings.

Long-term care Optical
Care for people that suffer from chronic Includes things like laser eye surgery, eye
illness or disabilities and who cannot care for tests, spectacle lenses and contact lenses.
themselves for long periods of time.

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BrokerFish

Why Pay For IHI?
Need-to-know insurance jargon
Premium Lifetime Maximum
The money you pay to the insurance company. The “Lifetime Maximum” is a cap on how
Premiums are paid monthly, quarterly, semi- much the insurance company will pay for your

IHI Basics
annually or annually. claims over the total duration of your policy.

Deductible / Excess Co-Insurance
The amount of money that you must pay before Refers to the shared amount of money that

the insurance company will start paying for you are obligated to pay for covered medical
medical expenses. They can be per incident, services/treatment. In the table of benefits, you
per insurance period or per year and applies may see something like: “Dental - 20% Co-
separately to each person insured by the Insurance”. This means that you must share the
policy. Not all policies require a deductible, but cost of dental treatment costs with the Insurer
choosing a policy with a higher deductible will where you will pay 20% of the bill and the
lower your premium. Insurer will pay the remaining 80%.

Moratorium Cover Policy Wording

Sometimes, pre-existing conditions are initially The policy wording is the legal description
excluded, but can be covered after a set time of the insurance policy and explains the full
(the moratorium cover period), provided you’ve terms and conditions of the coverage provided,
not suffered any symptoms or needed any including all applicable exclusions, conditions
medical advice or treatment relating to the and limitations of cover.
condition.

“I have more “Refer to the BrokerFish.com

jargon questions. glossary for jargon-busting

Where can I find definitions on over 150 IHI

more definitions? terms. Click here”

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BrokerFish

Why Pay For IHI?
Who is eligible to buy international health insurance?
International health insurance policies are open to expatriates of all nationalities. Professionals, students,
teachers, diplomats, retired couples and businesses are typical buyers of international health insurance.

IHI Basics
IHI is designed for those living and travelling away from home. Some Insurers do have age restrictions
depending on the particular policy in question of around 64 years old but there are providers that will
insure people as old as 120!

How Do I Buy International Health Insurance?

Via an Insurer Via an Agent Via a Broker
If you buy direct, you will Agents are usually able to provide In additional to offering unbiased
be advised on their range of more options than by going direct guidance and information on
products only so you could easily to only one Insurer, however, a huge range of IHI options,
miss out on buying a far more agents are typically tied to a brokers can also serve as
suitable plan. You will also not small number of providers and advocates if you bump up against
receive any independent help can therefore only advise across the system and don’t know
if you have any problems with a limited range of companies’ where to turn.

claims, service or any issues that products.
may arise.

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BrokerFish

Why Pay For IHI?
How does an insurance company decide how much to charge?
Insurance companies will take into account a variety of factors to try to work out the correct price for a
policy. Typically, age is the most important factor, but a whole host of variables will be considered.

IHI Basics
Age
Gender Area of
cover

Payment Premium
Benefits
frequency
Price

Country of excess
residence /
deductible
Pre-existing
conditions

Can I save money if I buy direct from the insurance company?
No. Insurers use brokers to market their products and will not discount their prices for customers that
go to them directly. In fact, if anything, going to a broker ensures you will get the best deal available.
Insurers know that a broker will advise their customers based upon a comparison with other plans in the
market and therefore try to ensure that their prices are extremely competitive. If they didn’t, they would
never get any business from brokers!

“So if it doesn’t “Brokers receive a commission

cost me anything, from the insurance company

then how do you for any policy they put in

make money...” place for you.”

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BrokerFish

Why Pay For IHI?
How do I choose and buy the right policy?
If you’re confused when it comes to health insurance, believe us when we say that you are not alone!
There are dozens of different insurance companies, hundreds of different policies and literally thousands
of different policy options, all wrapped up in cryptic insurance language which can be time-consuming

IHI Basics
and confusing to figure out.

It’s no surprise that many people tend to put sorting out their health insurance on the back burner,
even though they know it is hugely important. In this section we’ll try to make your life a little easier by

coaching you on how to select a policy that’s right for you. Let’s get started!

Step 1 - First Things To Consider
The best place to start is with yourself. What we first want to figure out is exactly what you need from
an international health insurance policy. This will tell us a lot about what kind of cover you require. How?

Make a list of your priorities Who’s applying?
What should your policy cover? What kinds of Who do you want to cover? Will everyone be living in

things are absolutely necessary and what are the same country? Will anyone on the policy require
luxuries? Maybe you want to ensure you’re covered coverage in the US or Canada?
for hazardous sports. Perhaps maternity cover is
a priority. Or you may want a policy that is geared
towards emergency cover rather than day to day
coverage.

Health & lifestyle Money matters
Are you healthy? How often did you visit the doctor What is your budget? Would you prefer to pay
last year? How much did you spend on health care monthly or save money by paying annually? Would
last year? Does your family have a trend of medical you want to lower your premium by choosing a policy
illness? What is your medical history? Do you have with a high deductible? Or one with a high level of
pre-existing or chronic conditions? coinsurance?

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BrokerFish

Why Pay For IHI?
Step 2 - Select a Suitable Level of Cover
Traditionally, insurance companies offered various levels of cover with names such as Standard,
Intermediate and Comprehensive. Although this format is still common, nowadays some insurers will
also allow a level of customisation across their policies which enables you to tailor something more

IHI Basics
closely to your needs.

To keep things simple, let’s look at the traditional levels of cover and what they typically provide.

Standard Cover
Standard insurance policies typically provide cover for In-Patient costs only. This means cover for
staying overnight in a hospital when it is deemed a medical necessity. In-Patient normally includes things
like emergency care, diagnosis and nursing costs. Standard cover is ideal for people on a budget or who
want to provide cover for catastrophic situations rather than for day to day issues.

Some standard policies will also include cover for day-patient treatment. This is when you receive
treatment which requires a supervised recovery period, but does not require an overnight stay.

Hospital costs vary widely depending on where you are based in the world. Even a few nights stay can
incur large costs, so making sure your basic policy provides good In-Patient coverage is vital. Also, check
that the ‘Annual Plan Limit’ (which is the maximum the insurance company will pay out during a year of
coverage) is sufficiently high. On entry-level plans this can often be quite low and may not be enough for
your country of residence.

“If I buy a standard “If after some time you find

policy now, can I that you need more or less

change my level of cover, you can change when

cover later?” you renew your policy.”

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BrokerFish

Why Pay For IHI?
Intermediate Cover
As well as In-Patient cover, Intermediate plans will add Out-Patient Cover. This is treatment which
does not require an overnight stay or a supervised recovery period. A common example would be a
consultation with a doctor. Intermediate plans will also offer increased plan limits over Standard plans.

IHI Basics
There is a lot of variety between plans in terms of what is / is not covered. Your list of priorities will help
you to work out which plans are likely to be the most suitable.

Comprehensive Cover

These top of the range policies provide the greatest levels of cover and the highest plan limits. In addition
to In-Patient and Out-Patient cover, they will often include things such as maternity, complex dental and
optical cover.

Extra Modules
For your convenience, some insurers allow you to choose to add certain modules to enable you to
tailor your level of coverage. Examples will include modules for travel insurance or for personal accident

expenses.

Policy Options
These are variables that you can control in order to further sharpen the match between your
requirements and the policy. Typical choices here include things like:

How much excess / deductible you want to pay;
If you would like to co-pay for benefits and on what terms;
Hospital accommodation;

The hospital-network you have access to.

“Are policy “Yes, correctly configuring your

options really policy options to match your

important?” requirements can have a huge

impact on the cost of your policy”

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BrokerFish

Why Pay For IHI?
Excess / Deductible
An excess / deductible is the amount of money that you must pay before the insurance company will
start paying for medical expenses. They can be per incident, per insurance period or per year and apply
to each insured member of the policy separately. Choosing a policy with a higher deductible will lower

IHI Basics
your premium.

Selecting a deductible

Brian loves underwater diving. He’s a fit lad and rarely gets sick. Looking back over
the previous year, he finds that he only went to the doctor once to cure a bad ‘flu. He
wonders what kind of policy and deductible would be sensible to keep his premiums
low while still being covered for serious injury due to a catastrophic diving accident.

Upon investigation, Brian chooses a Standard plan and then has the option to significantly
increase the deductible. Looking at the table of benefits and premium rate table PDFs he

finds the following information:

Maximum Sum Insured $2.7M
In-Patient Treatment “Full Cover”
Monthly Premium ($0 deductible) $162.69
Monthly Premium ($1,500 deductible) $88.74

Brian now has to decide whether to accept the high deductible in return for a much lower premium. By
choosing the high deductible he would save nearly 50% of the premium, but if he does suffer a severe
medical emergency, he would have to fund the first $1,500 of any claim himself.

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BrokerFish

Why Pay For IHI?
Step 3 - Go Fishing for Policies
Now that you have a good idea of your needs, it’s time to go out and find what is most suitable. And this
is where the services of a good broker or agent really come in.

IHI Basics
A specialist’s knowledge of a wide range of IHI policies will really cut down
Take a deeper look:
the time that you spend finding potential policies and they may find policies
Get personalised quotes
from insurance companies that you missed altogether. They can also review sent to your inbox now
by visiting our
your requirements and circumstances to ensure you’ve not missed anything

quotation page
and point out any shortcomings in the plans that you may be considering.

Using a specialist like BrokerFish will provide you with a selection of the most suitable plans, laid out in a
way that makes them easy to compare.

Example of a quote comparison from BrokerFish


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BrokerFish

Why Pay For IHI?
Step 4 - Submit an Application
From here, we can submit an application form to the insurance company. Sometimes this can be
done online, but more often than not, it will mean completing a paper application form. Submitting an
application does not necessarily mean that your application will be automatically approved. Instead it

IHI Basics
will go through an “underwriting” process where the insurance company will look at your case and
determine if, according to their risk policy, you are insurable. If required, a broker such as BrokerFish
can help you to complete the application at no extra charge. After a few days to a few weeks, you will
receive one of the following responses:

“You’re approved!” “You’re approved, with conditions.”
Most of the people who apply through BrokerFish The insurance company may offer you coverage but
are approved. Once approved, your health insurance limit benefits for specific conditions based on your
coverage will begin on the “effective date” as medical history. Or, the insurer may offer to include
confirmed by the insurance company. certain medical conditions by charging a higher
premium.

“More information is required.” “Your application is denied.”
Sometimes, the insurance company will ask for more Although rare, applications are sometimes denied.
information regarding your application, and If this happens, there may be a reason to appeal
may request medical records from your doctor before the decision. If not, we can help you to apply to a
coming to their final decision. different insurance company or we may be able to
recommend alternative health care solutions.


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BrokerFish

Why Pay For IHI?
So, now you’re covered!
What’s included in my membership pack?
Paper or digital, and either posted or downloaded, the insurance company will provide you with:

IHI Basics
Your Membership Card;
Your Insurance Certificate;
A Table Of Benefits detailing what kind of benefits that you are entitled to and their limitations;
Medical provider network documentation;
A Membership Guide;

A Treatment Guarantee Form;
A Claim Form.

What happens if I’m unconscious and I’m rushed to hospital – will I always
be treated / covered?
If you are insured there should be no problem. It’s very important to carry your insurance membership

card with you at all times. Keeping it in your wallet or purse will make it easier to find if medical
personnel need to locate your personal details so they can liaise with your Insurer in an emergency
situation.


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BrokerFish

Why Pay For IHI?
What if I need to make a claim?
1. Always make sure you understand what is, and is not, covered;
2. If the treatment is on an In-Patient basis give the Insurer sufficient notice so they can approve
and put in place a treatment guarantee (direct payment arrangement) with the hospital/clinic;

IHI Basics
3. Always carry your IHI card on your person. If a patient is admitted in a critical condition and
cannot communicate, they will be searched for identification. In some countries and hospitals,
having your insurance card in your wallet can also help to ensure that you receive the best
treatment;
4. Make sure that you are not excluded from cover on the basis of a pre-existing condition or you

are still subject to a ‘waiting period’;
5. Make sure that you have not exceeded your benefit limit;
6. Be honest and disclose fully when applying for your Insurance. If you try to conceal a previous
or existing condition and the Insurer finds out, they may not only reject the claim you are making
but can also void your policy. This means they could ask you to repay any previous amounts paid
under the policy, or take steps to recover from you any such payments.”
7. For out-patient treatment, check whether your insurer has a direct billing arrangement in place
with the hospital or clinic;

8. Always keep your original receipts and ensure that, if you need to complete a claim form, all
sections are completed, the treating Doctor has signed where necessary and the form has been
correctly stamped and dated.


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BrokerFish

Why Pay For IHI?
Will my premiums go up?
As people get older they typically need and receive more medical treatment and, as such, premiums for
IHI tend to increase with age. In addition to this, premiums are likely to increase due to:

The steady year-on-year trend of more and more people making claims;

IHI Basics
The increasing sophistication and cost of treatments;
Increasing wage growth in the healthcare sector;

Increasing losses suffered by insurers due to fraudulent claims being recovered by increased

premiums across the board;

Are there ways to keep my premium costs down?”
There are several things that you can do that can help to keep down the cost of your insurance.

Don’t claim! Policy options
Some Insurers now offer a no-claims discount Increasing your excess / deductible or increasing

policy. Investigate this with your insurance your co-pay options can save you up to as much
company to see if you are eligible. as 60%.

Go back to basics Can you enrol in a group scheme?
Are you paying too much for benefits that you Joining or creating a new group scheme can
don’t really need? often significantly reduce the cost of insurance
for each member of the group.

Consider switching insurer Pay annually
A lot can change in a year. On renewal, take Insurers offer significant discounts for yearly
some time to investigate if switching to another payments.
insurance company or policy is wise.

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BrokerFish

Why Pay For IHI?
What your IHI policy will not pay for
All IHI policies come with a list of things that will not be covered (exclusions) and a list of restrictions on
the benefits. Common to many IHI policies are the following exclusions:

IHI Basics
1. Treatment outside the geographical area 6. Treatment for sexually transmitted
of cover. diseases.

2. Over the counter drugs such as vitamins, 7. Self-inflicted injuries which can also
minerals or dietary supplements. include alcohol or substance related abuse.

3. Medication that can be purchased without 8. Experimental medications and
a doctor’s prescription. experimental treatments.

4. Plastic or similar surgical procedures carried 9. Investigations into, or treatment of, sleep
out for wholly cosmetic reasons. disorders, including apnea and insomnia.

5. Injury, accident or illness resulting from 10. Medically unnecessary treatment.

natural disaster, war or terrorism.


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BrokerFish

Why Pay For IHI?
Before you take the plunge..
When considering IHI policies, there are a number of things to bear in mind.

Annual Limit

IHI Basics
All IHI policies will have a total policy payment limit. Once you reach this limit, no further reimbursements
will be available. If you haven’t got a sufficiently high annual policy limit, you could be caught out:

Bitten by a dangerous spider in Bali!

Anne has a basic policy with a $50,000 annual limit. On holiday in Bali she gets bitten
by a dangerous spider! The nearest quality medical facility that can provide the vital
treatment is in Singapore and as such she needs urgent medical evacuation.

Medical support in Bali: $10,000
Air ambulance $25,000

Medical treatment in Singapore $20,000
Annual Limit - $50,000

Anne pays: $5,000

The medical expenses in Bali, the evacuation costs and resulting treatment in Singapore exceeds the
$50,000 annual cover limit meaning that she needs to pay for costs in excess of her $50,000 annual
limit.

Buy a policy with a reasonable annual limit to help avoid such scenarios.

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BrokerFish

Why Pay For IHI?
What are “Waiting Periods”?
Some policies apply a “waiting period” for specific benefits. This simply means that after you buy a
policy, cover for certain benefits will only be available after the waiting period has expired.

IHI Basics
Typical examples of waiting periods for IHI plans are:

Maternity 10-12 months
Dental 6-9 months

Well being 12 months
Pre-existing conditions 24 months

Meet Angela & Denis

Angela and Denis are uninsured and are planning to start a family in the near future.
Should they take out a policy today to cover pregnancy or should they wait until Angela

becomes pregnant?

Buy now and become Angela is covered for the entire
pregnant 10-12 months later duration of her pregnancy

Buy later when Angela is 6 Angela will not be covered for the
months into her pregnancy entire duration of her pregnancy

As you can see, in order to receive full maternity cover you would need to put the policy in place before
becoming pregnant.

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BrokerFish

Why Pay For IHI?
What is considered a pre-existing condition?
The BrokerFish definition as it relates to IHI is as follows:

Medical conditions or any related medical conditions for which one or
more symptoms have surfaced prior to commencement of cover.

IHI Basics
Can I get cover for pre-existing conditions?
In the past international health Insurers have excluded cover for pre-existing conditions. However, there

are now some Insurers that will look at medical history on a case by case basis and will try to cover pre-
existing conditions. Expats with pre-existing conditions can consider the following options:

Excluding the condition from coverage;
Moratorium underwriting (waiting period until the condition subsides);
Premium loading; or
Medical history disregard.

Having pre-existing conditions does not necessarily mean that your insurance rates will be higher. But,
if the pre-existing conditions fits into a company’s definition for such, it may mean that those conditions
will not be covered by your insurance or in return the Insurer will typically increase your premium cost
(“premium-loading”) to cover their costs.

If the condition is to be excluded from coverage then this means that you will not be able to claim for
treatment of that condition or any related condition.

“What happens if I “If not declared it may be that not

don’t tell the Insurer only your pre-existing condition is

about my pre-existing not covered, but the insurer refuses

conditions?” to pay for other issues due to the

dishonesty of the application!”

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BrokerFish

Why Pay For IHI?
What happens if I develop a chronic condition while insured – will they
refuse to cover this condition in future years as it is by then a ‘pre-existing
condition’?

IHI Basics
Some Insurers will provide full cover for chronic conditions as long as you remain insured with them,
whereas others will have restrictions and limits. Chronic conditions can become very expensive and as
the level of cover varies greatly by insurer, always make sure you understand what cover is provided.

If this is an important consideration for you then speak to a broker before you take out a policy so they

can short-list suitable plans.

What are the major differences between IHI, local and travel policies?
This table compares IHI, local and travel policies. Please note that due to the range of plans available, the
table gives an overview of the typical cover that each type of plan will provide:

International Policies Local Policies Travel Policies

Designed for Expats Locals Holiday Makers
Level of cover High Medium Low
Maximum benefit limits High Medium Low
Premium costs High Medium Low
Area of cover Worldwide Limited Trip Specific
Benefit options Many Few Few
Hospital accommodation Private Public / Private Semi-Private
Full In-Patient Treatment Yes Limited Yes
Renewability Life Per Year Per Trip

Premium cost on renewal Standard Standard Standard
Hospital network Worldwide Country Specific Worldwide
Exclusions Some Many Many
Pre-existing conditions Some Excluded Some
Language support Multilingual Local Multilingual

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BrokerFish

Further Resources

Why Pay For IHI?
Get Quotes Now Articles FAQs Glossary

BrokerFish – we’re here for you

IHI Basics
Contact BrokerFish for any assistance that you need. Whether you want impartial advice and assistance in finding the right policy,
need help in cutting through the jargon or even need assistance in resolving a dispute with an insurer, we’re here to help.

Our focus on providing cost-free, impartial advice, coupled with our outstanding customer service, is why our clients love

BrokerFish and why we continue to succeed.

Contact us
BrokerFish Helpline:
19A-LGF-1, UOA Centre Call us: +60 3 2162 4077
19 Jalan Pinang Call back: click here
50450 Kuala Lumpur

Malaysia

contact@brokerfish.com
www.brokerfish.com

Limitation of liability About us
BrokerFish Buying The Perfect International Health Insurance Policy and the BrokerFish is a brand of Direct Health, a division of the Tenbridge Group Limited, a
brokerfish.com Website contain information regarding product benefits, prices and licensed International insurance broker regulated by the Labuan Financial Services
other product information. In no event will BrokerFish be liable for any damages, Authority, registered in Labuan at Brighton Place, No U0215, Jalan Bahasa, P.O. Box
including without limitation special and/or punitive damages and / or consequential 80431, 87014 Labuan, Federal Territory of Malaysia, Registered No. BS200863.
damages and / or losses or expenses arising from, out of or in connection with this Tenbridge Group Limited is also a member of the Labuan International Life Insurance
document or the brokerfish.com website. The information contained herein or any Association, Registered No. 200804-142.
linked site or use thereof or inability to make use thereof by any party, or in connection
with any failure of performance, error, omission, interruption, defect, delay in operation The correspondence address for BrokerFish is 19A-LGF-1, Lower Ground Floor, UOA
or transmission, computer virus or line or system failure, even if BrokerFish or any Centre, 19 Jalan Pinang, Kuala Lumpur 50450.
agents and / or representatives thereof are advised of the possibility of such damages,
losses or expenses.

© Copyright 2010 Tenbridge Group Limited. All Rights Reserved

BrokerFish.com: Insiders Guide To IHI

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