Top 10 Benefits of Buying Worldwide Health Insurance via Expat Financial
We talk to people moving abroad for work, retirement, and to become global nomads all the time. I have learned that people living and working in the contemporary highly connected global environment, such as expats, digital nomads, or global citizens, face certain particularities in their healthcare experience abroad.
Whether you are moving to the country for work, study, or retirement, it is very important to secure comprehensive health insurance more often than not, you will not obtain local healthcare, it won’t be effective or meet your requirements and your health plan back home probably ceases or won’t renew once you move away. This is where Expat Financial comes in, offering worldwide health insurance plans that can often be tailored to suit the needs of expats and international citizens.
Stressing the dependability and versatility of the offered insurance, Expat Financial, a division of TFG Global Insurance Solutions Ltd, allows you to apply for international health plans that should allow you to receive necessary medical help abroad in your destination country, but also globally, including or excluding the USA depending on the plan options you choose. In this article, you will learn more about what makes Expat Financial the best choice for international world health insurance plans.
1. Comprehensive Global Coverage
One of the main reasons to secure international health insurance via Expat Financial for your worldwide health insurance needs is the insurance providers we work with, which offer a vast network of services around the world. While many health insurance plans are territory-bound and may only offer coverage within a given country, many plans offered via our website can cover you no matter the location. From a large, bustling metropolis to a small rural farm, you can get a quote via Expat Financial that can provide excellent medical care as long as you have access to internet.
Note that the insurers we work with have several levels of coverage, and the insurer and coverage levels and options you choose will have a significant impact on the coverage you receive. No insurer covers everything or everyone. The more you pay, more than likely the better coverage and insurer you will get. Also keep in mind that if you plan to live abroad for life, you should be more careful about securing a plan that can cover you for life as long as you remain abroad.
Most worldwide health insurance plans offer hospitalization as a base coverage that you have to get, but then you can add outpatient care and wellness medical evacuation options. Many plans can give expats checkups and consultations with specialists. This means you can attend work, travel, or be engaged in everyday life abroad, knowing you are shielded under a health plan that provides overseas medical expenses.
2. Tailored Plans for Expats
Expats who secure global coverage via Expat Financial can rest assured that they are dealing with people who understand the needs of expats and global nomads. Unlike many traditional health insurance providers and domestic brokers, Expat Financial pays special attention to the peculiarities of a nominee’s life as an expat, including living in several countries, dealing with different healthcare systems, and sometimes language barriers. Living abroad is challenging, and having a tailored global health plan is critical.
Global health insurance plans offered via Expat Financial have been devised to meet these obstacles, giving expats the required healthcare security. They have the advantage of optionality so that, depending on your requirements, you can customize your plan and even choose between two or more regions of cover, such as globally, including or excluding the USA. This adaptability is especially valuable for individuals with unpredictable or ever-changing lifestyles.
3. Access to a Global Network of Healthcare Providers
Health insurance is dependent on the medical network when it comes to quality medical services. At Expat Financial, we work with many healthcare providers from all around the globe, so you have the best doctors, specialists, hospitals and clinics at your disposal. These are some of the distinguished medical units and healthcare professionals within this network, so quality healthcare is just around the corner when it is most needed.
If you are at a facility outside the insurer’s medical network, you can contact the insurer to see if they can provide a guarantee of payment (GOP). Once you are a customer, the insurer will allow you to search their medical network.
Most expat health plans allow you to choose the certified medical provider or hospital of your choice, but in some countries, you may have a financial incentive in lower deductibles or coinsurance if you use the insurer’s medical network. The medical network may also prevent you from paying out of pocket past your policy’s deductible.
4. Emergency Medical Coverage and Evacuation Services
Knowing you are not exposed during any medical emergency is critical for peace of mind. The expat plans offer worldwide health insurance for emergencies, and no one wants to have to focus on an unexpected medical bill during their stay in a foreign country. This cover includes incidents, diseases, and other medical emergencies that may occur to an individual.
Apart from the emergency medical, Expat Financial’s insurers can also entitle a member to an emergency medical evacuation if the policy includes this option. This is especially important for global citizens who live in less developed countries and regions that lack up-to-date medical care. Note that medical evacuations have to be approved and organized by the insurer.
5. Affordable and Flexible Premiums for Expats
Since Expat Financial’s Worldwide health insurance service focuses on providing expats with effective and efficient health insurance services, the insurance plan is very cheap. There are always financial issues when expats search for insurance that will offer them adequate coverage within their incomes.
It provides broad advantages: The healthcare and prescription drug plans have the choice of deductible and copayment that lets you manage your premiums and find the best balance between costs and protection. In addition, it boasts a clear and more affordable price structure, which is a huge plus since there are no hidden charges to worry about when choosing a global health plan via Expat Financial’s website.
Note that the premiums and claims are always direct with the insurance provider you choose, as we want clients to have a direct and efficient experience when using their global health policy.
6. Independent Advice and Support
With extensive experience and a commitment to excellent service, expats dealing through Expat Financial will receive independent and impartial advice at no extra cost, ensuring that clients receive the best possible healthcare coverage tailored to their needs.
Expat Financial offers a unique service where individuals owning personal health insurance can call anytime and seek clarifications regarding their issues. You can also download a very extensive global healthcare guidebook for free. As noted above, you get the same rates from the insurers found on our website and if you ever have an issue, we are readability available in your corner as your advocate.
We should also note that becoming an insured nomad via Expat Financial can provide some additional benefits, such as:
- Access to extensive information on maintaining health abroad
- Expat country, region and city guides
- Extensive expat tips and guides
- An informative expat blog with topical articles on insurance but also a variety of expat-related topics
- Access to a quarterly newsletter that will keep you informed
Having a knowledgeable support team always around can help you ensure you will receive the care you need without wasting much time.
7. Access to the Top International Insurance Companies
Through Expat Financial, clients have access to some of the top international health insurance providers, including:
- Cigna Global Health Plan: Offers excellent services and lifetime expat health coverage. Cigna is a huge and capable global insurer with a massive medical network and the resources to match. Expats have options to include or exclude coverage for the USA. Our clients receive a discount when getting a quote online for the Cigna plans.
- International Medical Group (IMG) is a budget-friendly provider based in the USA offering mid-range global health plans. IMS is ideal for expatriates seeking flexible coverage options.
- GeoBlue Explorer Health Plan: An American provider offering international health insurance plans administered using HIPAA guidelines. GeoBlue offers coverage to American expats abroad and has several options available.
There are quite a few more providers that expats can access via Expat Financial, depending on their requirements. This access ensures that clients can choose from various reputable insurers to find the plan that best fits their needs.
9. Multi-Country Coverage for Nomadic Lifestyles
For global citizens who recognize the digital nomad or work while travelling lifestyle – it is essential to have health insurance that covers their desired countries of travel. Worldwide health insurance purchased via Expat Financial can often cover you globally, not just in your destination country. This is a big advantage over local health plans that only cover you in your destination nation. Note that expats plans are generally not renewable if you move back to your country of citizenship or spend more than 180 days there. This is because international plans are designed for expats, not local citizens.
10. It is Easy!
Yes, getting a quote and buying online via Expat Financial is really easy and efficient. You have excellent insurance companies contracted with TFG Global to offer their plans via Expat Financial, so expats don’t have to jump from one website to another. Most of the plans can be quoted and purchased online and you often get a decision back instantly or within a few days, depending on the plan, insurer and your medical history
Some Final Thoughts for Becoming an Insure Expat via Expat Financial
The most vital decision for an expat living abroad or about to move overseas is selecting the proper insurance plan. For this reason, you will find that the worldwide health insurance plans purchased via Expat Financial offer complete international health insurance at an affordable cost that is both flexible and inclusive of emergency medical services and disease prevention.
With a core business ethos of providing superior customer relationships, affordability and broad-spectrum medical risk coverage in terms of flexible premiums for a diverse range of health services, Expat Financial emerged as an outstanding source of World-class health insurance services.
In a society where the risks of sickness and calamities are inevitable, it is always essential that you choose the proper coverage. Worldwide health insurance you buy via Expat Financial offers the coverage you need to remain strong and safeguarded in every corner of the globe.
By David Tompkins – David has written and worked in the expat insurance market since 2000 and has been extensively interviewed and written on international insurance topics. David is passionate about delivering global insurance solutions to both individual expats and even expat employers.