Because many expatriates are not covered under employer-sponsored group health plans, it is extremely important to purchase a global health insurance plan while living abroad. As an expatriate, you will have specific needs and requirements for your global healthcare coverage. There is a multitude of plan options to choose from, and you must consider both your expatriate insurance provider as well as the appropriate plan for you and your family.
How You Can Choose the Best International Health Insurance?
On this page, we will help you determine what makes the best international health insurance plan if you are an expatriate living abroad or about to become one. If you are planning to live overseas, it is vital that you obtain a global health plan, as local care may be unavailable to you or may even be substandard. Also, most local plans cover only the local population and do not provide for medical treatment abroad.
There are five things to look out for when trying to choose the best international health insurance coverage for you and your family members while going overseas. If you need help deciding on the best global health insurance, contact us or request a quote today.
Excellent Customer Service
There are many companies offering global health coverage, but only a few offer excellent customer service. It is important that you work with a large global insurance firm with a strong reputation for delivering excellent service. However, no company is perfect, and they will have some customers who were not happy with the service or simply cannot satisfy their requirements. It is vital that the provider answer questions quickly and have a 24/7 customer claims line with multilingual staff who can address your medical emergencies in far-flung regions of the world.
Competitive Premiums
We do not recommend always choosing a plan based solely on premium rates. Most companies will have three or more levels of coverage, such as Silver, Gold, and Platinum. They will also allow people to choose different coverage modules, along with small and large deductibles. In general, you will get what you pay for; you should choose a plan that is competitive based on the value of coverage you are receiving.
Flexible Underwriting
Most providers that Expat Financial works with can underwrite SOME pre-existing conditions or at least provide a plan for you that will cover the majority of your health needs, but exclude that specific condition. It is important that you start an expatriate health plan by confirming whether your medical conditions are covered, and by providing detailed information during the application process. It may happen that the insurer will require extra premiums to cover the condition.
Access to a Large Medical Network
The best international health insurance providers will give their expats access to a large medical network, allowing them to find hospitals without paying out of pocket. Once you are a customer, you can log into their customer centre and search for the network where you live. If the hospital is not in your medical network, most insurers will provide a guarantee of payment that should be accepted. Generally, small bills are submitted online or offline for reimbursement into your bank account.
Work with an International Health Insurance Expert
Insurance is confusing and there are a lot of options to choose from. Expat Financial, a division of TFG Global Insurance Solutions Ltd., is an expat insurance expert with over 20 years of global insurance. We can help you choose from the various international health insurance options and providers that we work with, such as Cigna and IMG. To learn more about the different options, let us handle the details and answer any questions. Simply call or email us today. The quote request button on this page lets you submit a special request. The rates the insurer charges will remain the same for you, even with our added service and advocacy. All premiums are payable to the insurer of your choice. You can even obtain a quote and apply online.
