| Let the Adventure Begin! A Week-by-Week Guide to Moving Abroad
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25 Weeks Until Overseas Move: International Health Insurance & Services - International Health Insurance & Medical Evacuation
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| Healthcare and Health Insurance
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Everyone moving abroad should carefully research healthcare in their new country and determine if they will need private medical insurance. Young people, in particular, sometimes avoid obtaining health insurance or preparing for medical emegencies. This approach is very risky and ill advised. An accident, acute illness or other emergency can happen -- having health insurance and understanding the local healthcare system can be a lifesaver!
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Larger US network with over 650,000 medical providers
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Thoughtful, innovative and well designed international health insurance plans.
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| Obtaining Private Medical Insurance
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If your health insurance plan is not already selected by your employer or you're moving abroad on your own and would like to obtain private medical insurance, there are many options and coverage varies widely.
David Harris with Goodhealth Worldwide provides a helpful checklist to use when evaluating private medical insurance in his article entitled, International Private Medical Insurance - Myths and Reality .
Harris advises that the following are crucial comparisons that people need to make between international private medical insurance policies:
- Does the provider have local claims units with authority to settle claims?
- Is a reputable carrier used with a strong rating?
- Repatriation is an essential area in cases of severe ill health - does the cover allow the whole family to travel together if required?
- What cover is provided for chronic conditions - is this available as an optional benefit and is there a limit placed on the cover?
- What GP services are available in the specific country and are adequate levels supplied in the policy?
- Does the client play sport and if so, physiotherapy cover should be included. Check too for any dangerous sport exclusions.
- Are quality telephone helplines provided as part of the cover?
- Is the cover portable - can the provider arrange for a seamless transfer of cover if the policyholder moves between countries?
- If the policyholder has a high level of savings, a product with a large excess could be considered - check if these are available.
- If the client has limited funds, is a top-up plan available if some state care is available?
- If maternity cover could be required, check out the cover offered.
- Are alternative treatments available?
- Can dental cover be arranged either as a separate policy or an add-on?
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Living abroad has a lot of benefits but exceptional healthcare isn't one of them. Global Rescue membership ensures your health and safety no matter where you reside. We will evacuate you to the hospital of your choice in your home country. Period.
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This issue was prepared by ExpatExchange.com
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