The only thing worse that getting sick, is getting sick in a foreign country. But falling ill abroad isn’t the end of the world if you’ve done your homework and know what to do.
The truth is, no one wants to think about insurance for a second longer than they have to. So, if spending a few minutes upfront means you can find a provider that makes things easy and you get the peace of mind you need to switch off, it’s time well spent.
Whether you’re moving to a new country for work, taking time out to travel or you simply move around a lot, there’s an expat medical insurance or international health insurance plan out there to suit you. All you have to do is ask your insurer a few key questions.
Here are our top five tips for finding a plan that will keep you safe, healthy and happy abroad.
1. What is the quality of healthcare and medical services are like where you’re going.
Medical infrastructures vary enormously between countries and regions. Knowing whether you’re two or two hundred miles away from the nearest hospital is important, particularly if you like the reassurance of having medical care on tap.
2. Whether your destination is covered and what level of care they can guarantee in the area.
Some insurers have better global networks than others, so it’s good to know if you can expect the same quality of care, from registered medical practitioners anywhere in the world.
3. The best way to get in touch with your insurer if you need them.
A good provider will have 24-hour customer care. Medical emergencies don’t keep office hours, so you don’t want call centres that only work nine-to-five.
4. If you’ll ever be expected to pay for medical care upfront and claim, or if costs are always looked after by your insurer.
Medical care can get expensive fast! Knowing your finances are in order so there are no nasty surprises always makes sense.
5. Whether your insurer has an App or online tools that can help you find medical care.
Having cover at your fingertips is priceless. Apps that allow you to find doctors, make appointments and claim are now available – an essential tool for anyone who wants full control of their care.
A five-minute call with any good medical insurer will help you sort the lot and allow you concentrate on more exciting things.
Global health cover is ideal if you don’t want to spend time working out where your cover starts and stops, and the best providers have networks of medical experts across the globe, so you’ll be guaranteed the same quality of care you’d expect at home.
Remember, not all insurers are created equal so it’s good to shop around, but with the right one in your corner and a little forward planning you can travel to the furthest corners of the world confident your health is always in safe hands.
We offer global healthcare (and wonderful peace of mind) from just USD 51 per month. Get a quote today!