International Health Insurance
International Health Insurance: Having international health insurance gives you the assurance that your medical needs will be met quickly. Based on the plan you purchased, you are essentially protected everywhere.
Regardless of your reason for moving, adjusting to local customs and living overseas can be quite challenging. You shouldn’t have to worry about your health as you adjust to the difficulties of the new surroundings.
We provide free quotations for foreign insurance so you may shop around and select the ideal deal. So please allow us to help if you intend to relocate abroad.
International Health Insurance Benefits
Numerous advantages are offered by international health insurance, such as outpatient and inpatient care, medical emergency and evacuation coverage, and more.
- coverage for both inpatients and outpatients
- coverage for medical emergencies
- coverage for medical evacuation and repatriation
- Straight-forward billing
- Global coverage, which may include your nation of origin
- round-the-clock emergency support
- policies that regenerate
- Adaptability while selecting service providers
You have the option to add premium benefits to increase coverage or decrease it by selecting solely inpatient coverage.
Preventative care, dentistry, vision, and maternity care are also included in most plans’ extra benefits. You can alter your plan to meet your needs; for example, if you intend to try for children soon, you can buy maternity coverage.
The time that has passed since you enrolled in your policy is known as the waiting period for the majority of these benefits. A provider’s waiting time may be anywhere from six months to two years. Consider carefully if you require these perks and what your health demands are.
What Is The Price Of International Health Insurance?
The cost of international health insurance varies depending on your region, the insurance provider, and the plan level.
| Country | Individual Plan (USD) | Family Plan (USD) |
| United States | 9,817 | 28,250 |
| Hong Kong | 7,810 | 22,067 |
| Singapore | 7,028 | 20,351 |
| Dubai | 5,687 | 17,637 |
| Taiwan | 5,532 | 15,396 |
| Israel | 5,521 | 15,303 |
| Switzerland | 5,441 | 15,121 |
| Mexico | 5,386 | 15,209 |
| UK | 5,314 | 14,723 |
| Brazil | 5,289 | 15,073 |
Whom Is Covered by International Health Insurance?
Individuals, families, and groups can all be covered by international health insurance. For these particular categories, there are many insurance available with varying benefits and rates.
People
When travelling overseas, both foreign nationals and expatriates can buy coverage for their own international health insurance. These plans range in scope from straightforward inpatient coverage to more expensive options that include benefits like dental and eye care.
These programs are quite beneficial to certain people, like as students or business professionals who travel regularly for work.
Households
A policy covering all of their loved ones can be purchased by families who are expatriates. Plans are available to cover every member of the family, regardless of age.
Teams
Group international health insurance is intended for businesses that wish to offer insurance coverage to a number of people, either as members or as employees. These policies’ coverage varies throughout providers.
expense-sharing agreements between companies and employees are frequently used in group insurance plans to help spread the expense of health insurance premiums.
Is it necessary for an expat to have international health insurance?
For foreigners living abroad, international health insurance is not necessary, but it is highly advised. You won’t be covered by domestic plans from your own country when you’re abroad.
Foreign nationals with health coverage can visit private physicians and hospitals. Your international insurance company ought to be closely associated with the world’s top hospitals, enabling them to put you in touch with the greatest medical facilities when you’re travelling.
International health insurance coverage may be necessary for entry or a visa in some countries. You won’t need to look for coverage from a local provider because international health insurance plans can cover these needs for you. This can be especially useful for foreigners living abroad who might not speak the language yet.
Comparing Health Insurance Providers Abroad
You can locate the ideal plan for you by comparing foreign health insurance suppliers. Our professionals are here to assist you in comparing the plans and advantages of the leading international medical insurance companies with Pacific Prime in order to select the one that best suits your needs.
We’ll talk about the specifics of some of our best insurers’ plans.
Bupa International
Bupa Global provides policies with guaranteed lifetime renewal and customisable plans. Among their schemes’ main advantages are:
- Wide Range of Providers with Direct Billing Choices
- 24/7 Health Support through Worldwide Virtual Care Lifetime Extension Choices
- Maximum Annual Amount: $4,764,300 USD
Cigna
Plans from Cigna come in Silver, Gold, and Platinum varieties, each with varying coverage and benefit levels. Key advantages of these three schemes are similar:
- Global Reach (apart from the US)
- Access to the reliable network of hospitals and physicians at Cigna
- Several Options That Are Deductible
- Constant Customer Assistance
- Four Essential Insurance Programs
Allianz
Allianz provides a range of plans at varying cost points and coverage levels. Among the main advantages offered by each of their plans are:
- Globally renowned Health Insurance Company for Foreigners
- Large Network Including More Than 1.9 Million Healthcare Providers
- Rapid and Effective Claims Procedure
- Benefits under the plan maximum of USD $5,000,000
AXA
With their Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans, AXA Global provides five tiers of coverage. Among the shared coverage that all AXA insurance policies provide are the following:
- Expert Personal Help Available Around-the-Clock Simple Online Access Virtual Medical Service
- Support for Mental Health
- Allowance for Maximum Annual Benefit Up to $8,000,000 USD
International NOW Health
Plans called SimpleCare and WorldCare, offered by NOW Health International, differ in terms of coverage and cost. The following benefits are shared by all plans:
- Simple and Quick Claim Filing;
- Multilingual Customer Service;
- Maximum Benefit Limit of USD $4,500,000
GeoBlue
An Xplorer health insurance plan, available in Essential or Premier versions, is provided by Geoblue. These programs were designed for foreign nationals leaving the US for vacation, business, or educational purposes. Plans that cover the United States can be selected by foreigners or not.
- Diagnostic imaging tests and lab work
- Procedures Hospitalisation Emergencies
- Emergency extraction and return to home
- Annual physical examinations
How to Apply for Health Insurance Abroad
By filling out an online application and providing the required paperwork to your insurance company or broker, you can apply for a plan. The plan’s qualifying requirements should be thoroughly investigated as they differ throughout policies.
Underwriting Procedures and International Health Plans
Applying for an international plan necessitates medical underwriting, which is a procedure insurance companies use to assess your health. The corporation uses this procedure to determine if and to what extent it can provide you with coverage.
You might have to complete an extensive health questionnaire when you apply for overseas health insurance. Your medical history will be gathered in this way and used in the underwriting procedure.
In most cases, the underwriting procedure takes three to five business days, but in certain cases, it could take longer. To apply for a family international plan, you will require the medical history of every member of your family.
Qualifications for International Health Insurance Eligibility
Living abroad for three months or more of the year is a frequent prerequisite for eligibility for international health insurance. Your age, where you presently reside, and your medical history, including any pre-existing conditions, are among other factors that may impact your eligibility.
Certain policies prohibit applicants over 74 from applying for new plans; however, not all providers have this restriction. Any enquiries you may have about the plan age requirements should, as usual, be directed to a reputable insurance broker.
Previous Health Issues
Certain plans may not accept you if you have pre-existing problems, but there are still options. Choosing a plan with a moratorium, coverage with loading, or an exclusion for pre-existing conditions are a few of these options.
Exclusion: Selecting a plan that has an exclusion implies that the policyholder will not be reimbursed by the insurer for any medical expenses associated with the pre-existing condition.
Moratorium: In this case, pre-existing conditions are not covered by the insurance company but health coverage is. Rather, prior to making a decision about coverage, the firm evaluates the pre-existing condition for a period of time, usually around 24 months.
Coverage with loading: Pre-existing condition coverage may be provided by certain insurance carriers, albeit at a greater cost. Not all insurance companies provide this kind of coverage, and not all pre-existing diseases are eligible for it.
Why Select an International Health Insurance Broker to Assist with Plan Acquisition?
Insurance brokers compare quotes from a wide range of providers and policies to help you choose the best plan for you. Since brokers are impartial when advising you on the best plan, they are not employed by any one insurance provider.
Conclusion
International Health Insurance: They can assist you in weighing the benefits and drawbacks of every plan and provider and customising a plan that meets your requirements. Since brokers are paid by insurance companies rather than by customers, using them won’t cost you more.
Having established enduring connections with multiple prominent health insurance providers, Pacific Prime is able to offer lower prices in comparison to working directly with insure.
