The Allianz Dormancy Plan solves the headache and is only available through Pacific Prime in the Middle East and Asia-Pacific. Apart from offering you instant coverage when you re-activate it, it also doesn't penalise you for any medical conditions you pick up while it's dormant. For instance, if you buy expat health insurance with a dormancy plan, pause it while you work for PCCW (heaven forbid), pick up scabies, and then re-activate it once you've left PCCW (praise the heavens) your scabies treatment will still be covered by the original policy.
Typically, any medical conditions developed on your previous corporate health insurance would be considered "pre-existing" and wouldn't be covered by a new dose of health insurance. With the dormancy plan, however, you can summon your old policy with no additional underwriting. It means you can quit your job, re-activate your cover despite your scabies and go bananas in Colombia while being safely insured up to your eyeballs. And then go back to the daily grind.
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