5 Things to Consider While Sourcing for Expat Health Insurance

If you are a lady entrepreneur who has to fly occasionally on business missions, then you must understand the frustration of finding good international insurance. I am lucky because having travelled severally now, I rely on a single provider. However, on my first few trips, all I remember was being very frustrated trying to shop for the same. The task, according to most travellers, is very intimidating to the first-timers. That is why I felt that it was necessary to craft a post to inform you of the things you need to check out for while shopping for expat health insurance.

1. Repatriation and emergency medical evacuation

This is the second aspect of your cover that you must consider. Ensure the provider has the repatriation and evacuation services especially if travelling to areas with scarce medical and rescue resources. This aspect would save not only your life but also the costs of medical evacuation that can be very costly.

2. Medical provisions

Your insurance provider of choice should be connected to a wide-range network of medical providers in the place that you intend to visit. Again, you should understand their out-of-network and in-network plan covers. In this way, you are sure of how the premiums will be affected.

3. The coinsurance and deductible

While sourcing for the premiums and benefits of premiums, also consider the coinsurance and deductible. Some providers trick you with an attractive premium but underneath, their deductible and coinsurance is very high. In fact, I would advise you to go for a plan that offers a high premium but lower coinsurance and deductible.

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4. Find an English insurance broker

I know this might sound funny: but it is very essential. Of course, if you speak Spanish, you can get a Spanish merchant. The concept here is that you need to have access to doctors, support, security and hospitals that you can communicate with. Nobody wants to find themselves communicating in sign language to call for medical aid.

5. Choose between an international and local provider

Finally, you know that some providers are international while others are global, or both. Better put: you might purchase insurance that will only cover you while in the country of purchase. Pervasively, you might buy a protection that will apply in more countries. I always go for the international cover. Reason: what happens if my flight had to make an emergency landing in a different nation then my pressure kicks in out of the fright?

Anyway, you need not worry. The only pressure that will kick me, dear ladies, is if you embark on an international tour without applying the advice I provided for you!

Safe travels!

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