Individuals & Families
Expat Health Insurance for Individuals and Families
Health Cover Now provides affordable expat health insurance for individuals and families by giving comprehensive and practical advice. Safeguarding your health and that of your family is essential whether you are relocating abroad for the first time or are a seasoned expatriate.
We understand that our clients are real people, with real lives. Travelling and working abroad can be challenging enough, without having to navigate the complex world of health insurance. Health Cover Now is a new generation brokerage, providing real solutions that are relevant to today’s dynamic world.
Your family’s health and the investment you make to protect it will be one of the most crucial considerations you will have to make before moving abroad.
Why purchase International Private Medical Insurance?
Avoid costly medical expenses and protect yourself if you are :-
We understand how confusing foreign medical systems can be, and with medical prices rising annually, we take the time to assist clients in selecting affordable health coverage.
Health Cover Now can prepare free quotes from our panel of health insurers we work with and is committed to giving you the best advice so you can make an informed decision about your new policy. For affordable expat health insurance for individuals and families please inquire with us today.
What to consider when evaluating international health insurers?
When you evaluate international health insurance providers, you should study policy benefits and premium costs, but you should also consider these important factors.:-
As an expatriate, you must consider buying health insurance to cover unexpected and expensive medical expenses abroad. Remember that your domestic safety nets such as Medicare, the NHS, Medicaid and CMU will not provide you with cover.
Choosing a trustworthy and knowledgeable insurance broker is important when selecting your insurer as they simply the process and assist you in making an informed choice. Affordable expat health cover for individuals and families shouldn’t be a complicated decision.
International expat health insurance gives you the freedom to select your preferred doctor and healthcare facility without worrying about expensive medical costs, letting you focus on enjoying your new home and experience abroad.
What are the benefits of an international medical insurance policy?
These are some of the standard benefits included in an international medical insurance policy.
Affordable expat health cover for individuals and families should be clearly explained and outlined.
(*subject to change depending on your provider)
Inpatient Benefits
Hospitalizations in private or semi-private rooms
Inpatient Surgeries
Cancer Treatment
Transplant Services and Kidney Dialysis
Diagnostic Procedures
Advanced Medical Imaging (MRI, CT, PET)
Organ Transplants
Ambulance Cover
Emergency Dental
Emergency Evacuation that includes travel costs
Medical Repatriation that includes Repatriation of Mortal Remains
Outpatient Benefits
In-patient benefits plus the following
Consultations with GPs and Specialists
Outpatient Surgeries
Diagnostic tests
Emergency Dental
Prescription Medication
Physiotherapy and chiropractic treatment
Complimentary Therapies such as Acupuncture, Osteopathy and Podiatry
Speech Therapists and Dieticians
Psychiatry and Psychotherapy
Add-On Benefits
Maternity Cover (Routine and Complications)
Dental Cover
Annual Health Checks (Pap Smears, Mammograms, and Cancer Screenings)
Child Immunizations and Vaccinations
Vision and Eye Tests and Prescriptions Glasses
Second Medical Opinion
Travel Insurance
What impacts your policy
and how can we help?
If you choose to work with Health Cover Now, one of our knowledgeable brokers will learn about your specific requirements, whether you are an individual or a family. The diagram illustrates the main aspects of an health insurance policy that will affect your policy’s annual premium.
It’s critical to know if you or your family members have any pre-existing conditions before applying for individual or family coverage.
A health insurer’s decision on whether or not to approve your application will be based in part on these considerations.
Affordable expat health insurance for individuals and families inquire below.
Five important factors that
impact your policy
We can help if you have pre-existing medical conditions
Dealing with a pre-existing condition is complex that should be dealt with when purchasing international health insurance. Our advisers will take the time to discuss your options, but put simply, a pre-existing condition is a disease, illness, or ailment for which you have previously received treatment or exhibited symptoms.
When obtaining insurance, a contract is formed between the insurer and the insured. The contract provides an equal risk transfer between the insurer and the insured party. If there are pre-existing conditions, the risk of medical costs increases, making it difficult to offer coverage and transfer this as part of the contract.
Insurers will always assess an application and may request more information for any pre-existing conditions declared. Remember that if you do not declare a condition, your future claim will likely be denied and you will end up with a very expensive medical bill. Approximately 25% of all applications must disclose pre-existing conditions.
International medical providers normally approach applications differently depending on the type of condition and their own internal underwriting policy.
It’s a complex process and therefore it is important to consult an experienced broker like Health Cover Now to look at all the options available to you.
Below are 4 common ways an application with a pre-existing will be approached by an insurer.
1) Include the condition in a policy with a waiting period applied by the insurer. This can be accomplished with a Moratorium policy that applies a waiting time. If no treatment is necessary and there are no symptoms for the specific preexisting disease throughout a 24-month period, the insurer may provide coverage.
2) Insurers may offer coverage for the pre-existing condition, but with a loading to guarantee the risk is passed equitably. Offering coverage with a premium loading is often at the insurer’s discretion, and only a minority of insurers will operate in this manner. Each application is evaluated on an individual basis; thus, it is essential to work closely with your broker throughout the application process.
List of pre-existing conditions that we can get covered with a premium loading:-
- Back Pain
- Non-Alcoholic Fatty Liver Disease
- Bronchitis
- High Blood Pressure
- Adnexitis (various gynae conditions)
- Anxiety and Depression
- Menstrual Disorders
- Type 2 Diabetes
- Cervical smear abnormalities
- Knee pain
- Ovarian Cysts
- Gastritis
- Asthma
- Overweight individuals and Obesity
- Over and underactive thyroids
3) International medical insurers may offer coverage in which the pre-existing disease is excluded and, as a result, any future medical care will be paid for out of pocket.
4) Insurers may decline coverage entirely. Because it wouldn’t be an efficient use of your time, Health Cover Now would typically work with you to ensure we do not engage an insurer that would deny coverage.
Contact us if you have a pre-existing condition and require reliable advice or if you are interested in comparing alternative policies to your current one.
Risk Mitigation for Expatriates, Business Travellers
While living overseas, many expatriates will experience new cultures and go to areas that could be outside their comfort zone. Sometimes, travellers engage in activities that could pose additional dangers. They may also become accustomed to behaviours they would not normally engage in their home countries..
“A perfect example might be travelling to work in taxis that don’t have passenger seat-belts or riding scooters daily without wearing a helmet” (HR Manger – BASF)
Risks factors can be broken into the following categories:-
Less serious and more easily managed – Likelihood is high
More serious and more difficult to manage – Likelihood is low
Some travel advisory websites and country specific risk information:-
Foreign Travel Advice – United Kingdom
Travel Advisories – United States
Smart Traveller – Australia
