What is Out-Patient Coverage for Expatriates
Generally, outpatient coverage costs about the same as inpatient coverage. Out-patient coverage for expatriates tends to be more frequent but less costly. Standard outpatient coverage includes for expat medical plans often include:
- Medical check-ups
- Specialist and practitioner costs
- Home care
- X-rays, scans and other examinations
- Prescribed medicines
In most parts of the world, health insurance plans cover both inpatient and outpatient coverage. Some expats feel that the additional cost of outpatient coverage is not worth it, but we would recommend you to make sure you are covered as extensive illnesses can be dangerous, stressful and costly. Some expats will just obtain an in-patient plan if the costs of out-patient care are inexpensive. Of course, just as there are some inpatient exclusions to plans, there are also a few things excluded from outpatient plans. More often than not we have expatriates who choose not to purchase out-patient care if the country they are living has very inexpensive out-patient medical costs and prescription drug prices. Note that some prescription drugs can be very expensive, especially biologic medications. So keep this in mind and choose the largest policy maximum possible for your out-patient plan that includes drug coverage.
Expat Financial offers international health insurance plans that only offer in-patient coverage and also offer plans that offer in-patient and out-patient care for you and your family. Please contact us to discuss your global health insurance needs or obtain a quote online as we offer several different health plans from a variety of expat health providers such as Allianz or Cigna International.