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What You Should Ask About International Health Insurance

By Expert Author: Andrew Wilson

Questions You Will need to Ask When Buying International Expat Medical Care Insurance:

Expat Location:

Are you included in any cross-border reciprocal agreement on medical care?
What is the quality of medical care like in your overseas location? Will you need to have the choice of treatment in a different nation?
Are superior healthcare facilities and treatment accessible in the area?
Will you need insurance across a number of international locations or simply a couple? [Your geographic area of expat medical insurance cover can make a considerable price difference.]

Expatriate Medical Health Insurance Benefits:

Exactly how much do out-patient treatments and visits to the doctor cost? Would you be prepared to find the money for this yourself and then leave your expat medical insurance for the “big” costs?
Do you have kids and as a consequence want more out-patient cover?
Will you be considering having children? [Maternity services can be extremely expensive!]
Are you willing to pay for your own visits to the dental professional and dental care, or are you looking for coverage for dental treatment?
Do you have any pre-existing health conditions and are you happy to fund their treatment, or would you like to attempt to obtain some coverage for these?

Length of International Health Cover:

The lower the amount of time you need protection, the lesser the risk of something happening to you.
On the other hand, if you are intending on residing abroad for a long time of time, or perhaps permanently then it will probably be worth considering covering a greater variety of more long-term illnesses and conditions.
If you are on a medium term expat assignment, consider if you want cover to continue when you return back to your home country.

International Medical Health Insurance Funding:

Clearly a critical factor!
Discussing your global expat health insurance needs and budget with XactExpat makes it possible for us to tailor a solution for your situation.
Would you be willing to make use of a higher excess or deductible to reduce the cost of your premiums?
Are you able to pay for your international medical care insurance annually upfront and get a discount in comparison to paying by instalments?
Don’t pay for stuff you don’t need! International Expat health insurance policies can be personalised and tailor suited to your needs and budget so that you don’t need to pay for items you don’t need. Exclude areas/locations you don’t need or benefits you don’t need - for example, if you are a single man there is no need for pregnancy cover!

Andrew Wilson
Xact Risk Solutions

Andrew has over twenty years experience providing the best insurance solutions for his clients needs. A recognised expert in the field of international medical insurance, he has helped expats all around the world whether they be individuals, families, groups or companies. Please visit the website at www.xactexpat.com to find out more, or you can get a free, no obligation quote simply by visiting www.xactexpat.com/get-a-quote.html

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