An overseas health policy gives you and your family financial protection in the event of a medical situation whilst you are living overseas; money well spent to avoid incurring massive debts because of a medical emergency. However, overseas health insurance doesn’t just offer protection for those unexpected emergency cases; it also provides you with financial cover for the planned health visits that you and your family will make over the course of an expatriate assignment. Maybe you plan to have a baby whilst overseas, your children need to see specialists regularly, or you need to check in with your G.P. on a regular basis. Without the right health insurance in place, the costs of these medical visits soon add up. An international health insurance plan ensures that, whilst you are living overseas, you have access to the best possible medical care when you need it. Level of Health Insurance Cover The level of protection you insure you and your family for, and the coverage area of your policy are usually the primary differentials of health insurance policies. In reality, this means you opt for a policy that offers basic or standard cover, comprehensive cover or fully comprehensive insurance, which covers you anywhere in the world. Standard health insurance coverage usually includes basic emergency treatment and in-patient care, a middle level provision will usually include outpatient care and a comprehensive scheme will comprise wellness and dental benefits, as well as higher claim limits than the standard and middle level policies. The following are issues to consider when you are looking at the coverage provided by insurance companies: 1. Maternity coverage is usually not standard, but an optional extra readily available with an upper claim limit 2. What type of emergency evacuation and home transportation cover is included? 3. Check the network of hospitals and medical centres associated with the insurance company 4. Check the cover, expertise and experience available within the provider’s network for situations outside the scope of normal domestic policies: tropical diseases, offshore policies, home transportations. Exclusions It is important that you are aware of any exclusions in your overseas health insurance policy, so check thoroughly before you commit to any one policy which treatments are not paid for. As with domestic health insurance coverage, there are usually exclusions or waiting periods for pre-existing conditions. Costs and Services A good insurance company will offer you choices when it comes to your billing and claims. Firstly, think about the billing interval that works best for you - monthly, quarterly or annually. Also, check that you can pay the premiums and receive refunded claims in your preferred currency. Start now, compare the major providers BUPA healthcare, Clements International and more or request a free quote from an independent broker to help you compare the market and find the most cost effective solution. Visit www.expatfinder.com now!

1. Overseas Health Insurance Guide

2. An overseas health policy gives you and your family financial protection in the event of a medical situation whilst you are living overseas; money well spent to avoid incurring massive debts because of a medical emergency. 2

3. However, overseas health insurance doesn’t just offer protection for those unexpected emergency cases; it also provides you with financial cover for the planned health visits that you and your family will make over the course of an expatriate assignment. Maybe you plan to have a baby whilst overseas, your children need to see specialists regularly, or you need to check in with your G.P. on a regular basis. Without the right health insurance in place, the costs of these medical visits soon add up. 3

4. An international health insurance plan ensures that, whilst you are living overseas, you have access to the best possible medical care when you need it. Level of Health Insurance Cover The level of protection you insure you and your family for, and the coverage area of your policy are usually the primary differentials of health insurance policies. 4

5. In reality, this means you opt for a policy that offers basic or standard cover, comprehensive cover or fully comprehensive insurance, which covers you anywhere in the world. Standard health insurance coverage usually includes basic emergency treatment and in-patient care, a middle level provision will usually include outpatient care and a comprehensive scheme will comprise wellness and dental benefits, as well as higher claim limits than the standard and middle level policies. 5

6. The following are issues to consider when you are looking at the coverage provided by insurance companies: Maternity coverage is usually not standard, but an optional extra readily available with an upper claim limit What type of emergency evacuation and home transportation cover is included? 6

7. 3. Check the network of hospitals and medical centres associated with the insurance company 4. Check the cover, expertise and experience available within the provider’s network for situations outside the scope of normal domestic policies: tropical diseases, offshore policies, home transportations. 7

8. Exclusions It is important that you are aware of any exclusions in your overseas health insurance policy, so check thoroughly before you commit to any one policy which treatments are not paid for. As with domestic health insurance coverage, there are usually exclusions or waiting periods for pre-existing conditions. 8

9. Costs and Services A good insurance company will offer you choices when it comes to your billing and claims. Firstly, think about the billing interval that works best for you - monthly, quarterly or annually. Also, check that you can pay the premiums and receive refunded claims in your preferred currency. 9

10. Start now! Compare the major providers Bupa International, Integra Global, Clements International and more or request a free quote from an independent broker to help you compare the market and find the most cost effective solution. Visit www.expatfinder.comnow! 10