Different insurers have varying policies that may exclude some things, usually pre-existing chronic conditions. Here is a list of claims that may not be covered by insurers unless previously agreed upon by the insurance company:

  • EpidemicsYoung doctor checking an MR exposure
  • Birth control
  • Fertility care
  • Cosmetic care
  • Mental care
  • Sexual dysfunction
  • Obesity care
  • Untested care
  • Claims as a result of alcohol or drug abuse
  • HIV
  • Pre-existing medical conditions

It is important that you understand what your offshore health plan will cover and what it won’t. All health insurance plans have exclusions and it is a good idea to read the fine print before you obtain your expat health insurance plan. Contact an advisor at Expat Financial today to review your international health insurance needs or obtain a quote online via our web site.