So, you have decided to make the move and work abroad for some time. You may be excited about the prospect of meeting new people, a great new job and enjoying the culinary treats in your guest country. Next thing is to plan that move.
Now,
health insurance is not the easiest product to shop for, but it is not as hard
and daunting as it may look like at first glance. We thought we put together
the key questions to ask your health insurance broker. Got any more questions,
just ask!
1. Do I need worldwide cover?
This will depend on your circumstances at that moment. If you're a contractor and are looking to live in different countries, then your options may be different from expats on a company transfer. This becomes particularly important if your family is travelling with you. Your domestic health insurance cover is not likely to cover you abroad.
This will depend on your circumstances at that moment. If you're a contractor and are looking to live in different countries, then your options may be different from expats on a company transfer. This becomes particularly important if your family is travelling with you. Your domestic health insurance cover is not likely to cover you abroad.
2. What benefits are provided?
Benefits range from regular medical check-ups to maternity cover and expatriation. All you need to do is assessing your circumstances and decide what benefits your health insurance plan needs to include. Your broker can help you with this.
Benefits range from regular medical check-ups to maternity cover and expatriation. All you need to do is assessing your circumstances and decide what benefits your health insurance plan needs to include. Your broker can help you with this.
3. Will my medical history be taken into account?
Any previous injury or illness history will have a bearing on your health insurance policy. This is what we call pre-existing conditions in insurance.
It is important that you tell your broker about any condition or injury that you might have received treatment for in the last five years, including those that are controlled by medication, such as hypertension. The reason for this is that you may not be covered for any of these conditions nor for any derived consequences of them. Your broker will help you choose an insurance cover that best suits your needs.
Any previous injury or illness history will have a bearing on your health insurance policy. This is what we call pre-existing conditions in insurance.
It is important that you tell your broker about any condition or injury that you might have received treatment for in the last five years, including those that are controlled by medication, such as hypertension. The reason for this is that you may not be covered for any of these conditions nor for any derived consequences of them. Your broker will help you choose an insurance cover that best suits your needs.
4. Why do I need international health insurance?The chances of you or your family having an unexpected illness or an accident may seem small. But, road accidents or injured limbs can easily set you back a couple of thousand pounds anywhere in the world, which would add to the anxiety of needing to perform well in your new job. An adequate international health cover will enable you to have prompt access to quality treatment or being evacuated home if needed.
5. Am I covered for routine medical check-ups and
dental treatment?
An international health insurance will include a variety of treatments, including medical check-ups and dental treatment. It is generally a good idea to include dental treatment in your policy, as it can be quite expensive to arrange when abroad.
An international health insurance will include a variety of treatments, including medical check-ups and dental treatment. It is generally a good idea to include dental treatment in your policy, as it can be quite expensive to arrange when abroad.
6. Would I be covered if I become pregnant?
Yes, you may be covered, although insurance plans worldwide may cover different aspects of pregnancy.
Yes, you may be covered, although insurance plans worldwide may cover different aspects of pregnancy.
7. Can I choose doctors and hospitals?
Yes, you can choose both the doctors and hospitals or clinics where you wish you to be treated.
Yes, you can choose both the doctors and hospitals or clinics where you wish you to be treated.
8. When would I be seen?
A qualified healthcare professional would see you as soon as you need it. Even in industrialised countries, such as Canada, waiting periods can be long and bureaucracy overwhelming. Your international health insurance policy will enable you to avoid the hassle.
A qualified healthcare professional would see you as soon as you need it. Even in industrialised countries, such as Canada, waiting periods can be long and bureaucracy overwhelming. Your international health insurance policy will enable you to avoid the hassle.
9. How much will I pay?
That would depend on various aspects, such as the benefits included and on the number of people who would be included on your policy. Your broker will help you find the plan that best suits your needs and budget.
That would depend on various aspects, such as the benefits included and on the number of people who would be included on your policy. Your broker will help you find the plan that best suits your needs and budget.
10. Can my family or spouse be covered with my
insurance?
Health insurance plans can include family members or spouses.
Health insurance plans can include family members or spouses.
Still in doubt? Then, please ask us!
Thanks for reading this post.
The Medibroker Team
Photo credit
Photo credit
Thanks for reading this post.
The Medibroker Team
Photo credit
Photo credit
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