Among the many health insurance offers for expatriates, you don’t know which contract to subscribe to? We give you 10 tips to choose your expat insurance!
1. Take stock of your health needs
Are you going alone or with your family? Do you wear glasses or do you often need dental care? Are you used to using alternative medicines? To find out what type of coverage is right for you, take the time to analyze your expectations.
2. Take into account the quality and cost of care in the country of expatriation.
Depending on the characteristics of your expatriate country, you will certainly not opt for the same type of expatriate insurance. Be sure to check out:
- The quality of the health system and medical care provided
- The cost of medical care in your host country
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- Expatriate Insurance
3. Opt for a suitable type of coverage
Government related insurance that is just an extension of your hometown insurance or 1st euro coverage, coverage of expenses in the event of hospitalization only or coverage of all health costs…. Take into account your situation and budget to make the right choice.
4. Choose your optional benefits carefully.
Expatriate insurance is often flexible. Thus, you will be able to opt for different guarantees, in addition to health costs and repatriation assistance: compensation for work stoppage, civil liability, private life, death benefit… Also take stock of the coverage you have in your hometown country, but which no longer works abroad.
5. Read about the repayment terms and conditions.
How long does it take to reimburse your health expenses abroad? How can reimbursement requests be made? What steps can be taken online? Make sure you are well informed.
6. Check the amount of any deductibles and limits.
There are annual ceilings for the payment of health expenses and in some cases, ceilings per act. The amount of any deductibles is also to be taken into account. To avoid surprises, compare insurance solutions carefully.
7. Choose an insurer that is easily reachable.
In the event of a problem abroad, it is very important to be able to contact your insurance company’s helpdesk quickly.
8. Check the countries of coverage.
In which countries does your health insurance cover you? Will you be covered when you return to your home country to visit family? Or when you go on holiday to another country?
9. Identify the services included in the expatriate insurance contract.
Third-party payer, direct payment of hospital charges, repatriation,…. Your insurance contract should facilitate your repayments.
10. Read the exclusions to the contract.
Some claims are never covered by expatriate health insurance. Be sure to review this list of exclusions before signing your contract.
For more than 15 years, Macdonnellsconveyancing has been offering you contracts with flexible guarantees according to your specific needs. Our advisors answer all your questions to help you choose the right international health insurance for you worldwide.