Health Cover Now provides comprehensive advice to individuals and families who require flexible and affordable international private medical insurance. 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.
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.
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, 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.
International health cover 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.
These are some of the standard benefits included in an international medical insurance policy.
(*subject to change depending on your provider)
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.
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