How to choose your international private health insurance?
Each country has its health system, and the requirements of a foreign citizen are not always the same when it comes to international individual health insurance.
Reason: You must choose a solution adapted to the country you are moving to and your unique and family needs.
Here are some suggestions to help you get the best health coverage at the best price.
Find out about the health system of the host country.
There are two main criteria to consider: the quality and ease of access to healthcare in the host country and the cost.
The quality of the local health system
Whether you are relocating to the United States, Argentina, or China, the quality of care you can assume receiving will not be the same.
Just as some countries have world-class healthcare specialists and facilities, others seriously lack well-trained doctors and modern infrastructure, and congestion of the public division can lead to long waits for care.
The cost of care
Despite the quality of care that you can get, its cost varies significantly from one country to another.
In Europe, for example, each insured body can benefit from the experience of well-trained doctors and satisfactory material circumstances, even state-of-the-art.
In other countries, on the other hand, this option is held for people who have significant financial support or through expensive private health insurance.
Define the preferences according to your host country
Therefore, the strengths of your global private health insurance policy will not certainly be the same.
If you move to a country with poor support, you should focus on repatriation or evacuation to a better-equipped country in the event of an adventure or severe illness.
If your host country has sanitary requirements equivalent to those of Europe but expensive, you should consider the financial needs for the most critical medical care.
Private medical insurance with international coverage
Private medical insurance with international coverage covers healthcare interests abroad from the first euro/dollar pair, without involving the mandatory local medical coverage, when there is one.
Thus, reimbursement procedures are usually more straightforward and depend solely on the actual cost of care.
The main advantage of these securities is their diversity and flexibility: many formulas on the market, with more or less protection.
Therefore, it is quite possible to find coverage that suits all needs and resources.
On the other hand, the medical application is mandatory. It can lead to exclusions of guarantees, or even denial of membership, or an expansion in the premium in case of chronic illness or medical history.
A budget is vital to know the amount of the final contribution.
Critical points to keeping your international private medical insurance
Once the most suitable type of support has been determined, some points are crucial when deciding between the different offers.
Choose a company from your country of origin.
Although it is not required, choosing an insurer in your country of origin is usually a great comfort.
It allows you to have an interviewer who speaks your language and perfectly understands your health habits.
It also guarantees you a contract preserved by the law of your country, which is much more protective for the protected than other laws in the event of litigation.
How are refunds made?
Another essential point: what is the procedure for compensating healthcare expenses?
Simplicity and speed are the main features to consider.
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The immediate and straightforward returns will avoid, on the one hand, the heavy administrative systems and, on the other, having to advance necessary sums in the last moments.
The payment of hospital costs by third parties is also a very positive point.
Identify covered benefits
Each contract has its characteristics, often represented in the professional language of the insurer, which is not always easy to explain.
However, it is essential to know what types of care are covered, the coverage limits, deductibles, coverage cuts, how hospital expenses are paid.
For this, resorting to a universal private health insurance broker is usually the best solution.
They will offer you the policy that best satisfies your situation, needs, and family situation.