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Expat Health Insurance - Things To Watch Out For

By Expert Author: Andrew Wilson

Expat Health Insurance Coverage What to Watch Out For

One of the primary benefits of using XactExpat is that we are able to assist you through all aspects of purchasing an international expat health insurance plan and make you alert to the potential pitfalls and misunderstandings which could prove expensive over time. So while you don’t wish to pay for overseas medical insurance cover you don’t’ require, you should also ensure that you will have the right cover when it's needed, see below for a few typical areas of pitfalls and misunderstandings.

Pre-Existing Health Issues on International Medical Health Insurance Policies:
If you have, or have had, any health issues this needs to be considered when selecting expat health care insurance. According to exactly what the ailment was, and when it happened it might not be covered under several or all plans. We are able to provide you with the best advice to obtain the perfect cover for you. While this may not "seem fair’, this isn't just with our partners, in fact it is fairly common for nearly all expat medical care insurance companies - so speak to us and allow us to see how we can help.

Waiting Periods on Expatriate Medical Care Insurance Plans:
A number of international medical insurance plans won't cover certain claims from the first day on a insurance policy, therefore you would be required to wait a selected time period before that claim will be covered. For instance expatriate healthcare benefits for instance pregnancy and routine dental care are unlikely to be included from day one of a policy and would have a waiting period. We are able to assist you in finding the best solution to suit your needs and allow you to know which expatriate medical insurance plans and benefits are subject to waiting periods.

Premium Increases on International Medical Care Insurance Plans:
It's an unfortunate fact of expat medical health insurance that, in general, premiums will get higher the older we become. This is because it's more common for us to get ill when we get older, and when we are ill it can take longer and cost more to get well compared to a young person. Keeping this in mind, it’s always worth keeping an eye on the future and investigating what prospective premium increases could lie in store in future years. XactExpat can offer you a fair indication of how premiums will rise based on age for every insurance firm.

Exclusions on Expatriate Health Care Insurance Plans:
Every overseas health insurance provider gives a policy document that fully covers, in depth, what the expat medical care insurance policy does and does not cover. It really is incredibly important that this information is fully understood prior to signing up for the plan. Every policy will have a list of exclusions, and it’s always best to be familiar with what these are before applying for international medical 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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