If you’re going to be moving to another country, you absolutely need to ensure that you have proper health insurance before you settle. You don’t want to break a leg your first week out and start your expat experience with a hefty set of hospital bills, after all. There are plenty of providers out there that can provide a strong level of coverage, but it can often be hard to choose between them. No matter which provider you end up choosing, make sure they offer the following three things.
- 24 Hour Support
Expat health insurance isn’t just about receiving coverage for any injuries or conditions that might occur – providers are also there to provide assistance when you need to navigate an unfamiliar world. In a new country, it can be difficult to come to grips with how things work and what you need to do to receive the treatment you require. A good health insurance provider will offer a 24 hour support line to ensure that you will always be able to contact them and get the assistance you need as soon as you need it.
- Zero Hospital Restrictions
In most popular expat locations, you’ll never be too far from a hospital. However, the quality of care between hospitals can vary dramatically, far more so than you’d expect when comparing an NHS hospital and private facility back in the United Kingdom. Unfortunately, many insurers that seem like an affordable option cut their costs by putting restrictions on the type of hospitals that you can go to. Make sure there are no restrictions.
- Complete Coverage for Chronic and Terminal Conditions
In many cases, you’ll need your health insurance to cover unexpected injuries. However, you’ll also need proper coverage in place to cover chronic or terminal conditions. Some insurers only cover up to a certain amount for certain conditions. If you develop a chronic or terminal condition that requires extensive or ongoing care, you can quickly find yourself running over the stipulated limit. This will mean paying any costs above that figure.