What You Need to Know About International Health Insurance?
Are you tempted with a new job abroad? Confused about whom to call, what to do, where to go in case of a medical emergency? Is your child going overseas for studies without any insurance? If the answer to the above questions is affirmative, then I think International Health Insurance is a must for you. Thinking about which is beneficial for you? This post will provide you a helping hand in that.
There are basically two kinds:
- International medical insurance: which focuses on student’s health needs? It has its coverage varying from per semester/ to per year /to whole time period of studies.
- Health needs of Expatriates: choose this one if you have a new job overseas.
Now dealing with the question what points to be taken care off while opting for best expat health insurance??
1) Read carefully the documents: Make sure how much the insurer pays you and through what medium? Are you able to pay the bills first and later reimbursed or will be the first hand providers?
2) What‘s covered? Determine beforehand if only the patient’s transportation is paid for or are additional family members transportation needs also covered?
3) Are Evacuation and Repatriation both covered? They are different sides of the same coin. Repatriation means that when ill, you have a choice of getting treatment done either in your hometown or somewhere else; whereas evacuation means that in case of any medical emergency in your city, they will transfer you to the new city where the best medical aid is available.
4) Mode of transfer: Make sure you include your modes evacuation, by road or by medical air transfer.
5) Fulfil paper work: Many companies reject the claims if the paperwork isn’t complete. So make sure you are up to date with it.
6) Choose the correct intermediary: He is the best person to advise you about all the coverage issues in a plan. But it’s your duty to check the fine prints of the policy so you can avoid any misunderstandings later.
In the end, get yourself internationally medically secured as nothing is more important than your health.
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Category: Health
