In this guide, we cover most popular questions about international health insurance for expats, including how you can save money on your insurance premium.
Firstly, do you need international health insurance?
If you want access to private healthcare, there are three types of insurance policy you can consider:
If you relocate to another country with your family for work, you might find that access to high-quality hospitals and English-speaking doctors is priceless. Also, depending on your destination public healthcare system might not be the same as at your home country.
When you started thinking about your health and well-being while living abroad, you were probably considering private health insurance in general terms.
But while health insurance certainly gives you access to private healthcare, the health plan you purchase defines the rules and limitations of that access. So, it’s super important to pick the right plan!
Many standard health plans include cover for hospital treatment, cancer treatment, visits to the doctor, and emergency medical evacuation. Beyond these standard benefits, health plans can be differentiated by their additional benefits (e.g., mental health treatment, maternity care) and their levels of cover (i.e., how much the plan benefits cover you for).
When you apply for your health plan, you should be able to include your spouse or partner and any number of children and stepchildren for an additional premium.
With most Insurers, you can include your unmarried children up to the age of 18 (or 25, if they’re in full-time education such as university studies).
Personalisation is extremely topical in healthcare. So, pick a provider that will offer personalisation.
Most Insurers will take into account two groups of factors when calculating your premium. The first group of factors concerns:
Here’s a snapshot of how you can reduce the amount you’re spending on expat health insurance:
When you first start thinking about health insurance, you probably just want a policy to pay for your private healthcare. So, why bother with an excess? After all, an excess is what you pay towards your medical bills before the insurance company starts paying.
Counter-intuitively, not having an excess (known as ‘nil excess’) is unpopular. Why? Having a nil excess means more expensive premiums: sometimes, health plans with nil excess can be 20% more expensive than a plan with the smallest excess available.