The issue of health insurance is essential for anyone who is going to move abroad.
In fact, each country has its own health system and the needs of a foreign citizen are not always the same when it comes to international private health insurance.
For this reason, it is important that you choose a solution adapted both to the country to which you are moving and to your personal and family needs.
Here are some tips to help you get the best health coverage, at the best price.
- 1 Find out about the health system of the host country
- 2 Private medical insurance with international coverage
- 3 Key points to choose your international private medical insurance
Find out about the health system of the host country
There are two main criteria to take into account: the quality and ease of access to the healthcare available in the host country, and the cost.
The quality of the local health system
Depending on whether you are relocating to the United States, Argentina, or China, the quality of care you can expect to receive will not be the same at all.
Just as some countries have world-class healthcare professionals and facilities, others seriously lack well-trained doctors and modern infrastructure, and saturation of the public sector can lead to long waits for care.
The cost of care
Regardless of the quality of care that can be received, the cost of it varies greatly from one country to another.
In Europe, for example, each insured person can benefit from the experience of well-trained doctors and from satisfactory material conditions, even state-of-the-art.
In other countries, on the other hand, this option is reserved for people who have significant financial resources or through expensive private health insurance.
Define the priorities according to your host country
Therefore, the strengths of your international private health insurance policy will not necessarily be the same.
If you move to a country with poor infrastructure, you should focus on repatriation or evacuation to a better equipped country in the event of an accident or serious illness.
If your host country has sanitary conditions equivalent to those of Europe, but expensive, you should pay more attention to the financial conditions for the most important medical care.
Private medical insurance with international coverage
Private medical insurance with international coverage covers healthcare expenses abroad from the first euro / dollar paid, without involving the mandatory local medical insurance, when there is one.
Thus, reimbursement procedures are generally simpler and depend solely on the actual cost of the care provided.
The main advantage of these insurances is their diversity and flexibility: there are many formulas on the market, with more or less protection.
Therefore, it is quite possible to find a coverage that suits all needs and budgets.
On the other hand, the medical questionnaire is mandatory, and can lead to exclusions of guarantees, or even denial of membership, or an increase in the premium in case of chronic illness or medical history.
A budget is necessary to know the amount of the final contribution.
Key points to choose your international private medical insurance
Once the most suitable type of insurance has been determined, some points are especially important when choosing between the different offers.
Choose a company from your country of origin
Although it is not essential, choosing an insurer in your country of origin is usually a great comfort.
It allows you to have an interlocutor who speaks your language and perfectly understands your health habits.
It also guarantees you a contract protected by the law of your country, which is much more protective for the insured than other laws in the event of litigation.
How are refunds made?
Another essential point: what is the procedure for reimbursing healthcare expenses?
Simplicity and speed are the main points to consider.
In fact, the simple and fast refunds will avoid, on the one hand, the heavy administrative procedures and, on the other, having to advance important sums in the later moments.
The payment of hospital expenses by third parties is also a very positive point.
Identify covered benefits
Each contract has its own characteristics, often expressed in the professional language of the insurer, which is not always easy to decipher.
However, it is essential to know exactly what types of care are covered, what the coverage limits are, whether there are deductibles, coverage exclusions, how hospital expenses are paid, etc.
For this, resorting to an international private health insurance broker is usually the best solution.
They will be able to offer you the policy that best suits your situation, your needs and your family situation.