Frequently Asked Questions and Answers

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Q: What is an International Health Insurance Plan?

A: An International Health Insurance Plan provides cover for you wherever in the world you may be. The plans allow you to visit the doctors and hospitals of your choice in the country of your choice. International Health Insurance Plans are ideal for people who live away from their home country or are frequent travellers.

Q: Who can buy an Overseas Health Insurance Plan?

A: You are generally required to be residing outside of your home country to buy an International Health Insurance Plan. The plans are available to people of all nationalities.

Q: Are Insurance Health International Plans available for companies?

A: It is possible to buy a plan to cover your company, group or family. The group must contain a minimum of three people and premium discounts may be available for large groups.

Q: What is the duration of an International Medical Insurance Plan?

A: The standard contract length is twelve months. The majority of International Health Insurance Plans are guaranteed renewable. This allows you to always have the option of renewing your cover regardless of your claims history in the previous year.

Q: Is it better for me to buy a Travel Insurance Plan or an International Health Insurance Plan?

A: Travel insurance plans generally provide coverage for shorter periods of time. Often the maximum period is six months. The plans are not renewable and do not provide such in depth cover as health insurance plans.

Q: Do Overseas Health Insurance Plans have age restrictions?

A: The age limits for enrolment in insurance health international plans vary from insurer to insurer. Generally the maximum age is between sixty-five and eighty years old. International plans are generally guaranteed renewable. This means that once you are on plan you can feel comfortable in the knowledge that you will always be covered.

Q: Do I require in-patient or out-patient treatment cover?

A: In-patient treatment refers to treatment undertaken in a hospital where an overnight stay is medically necessary. In-patient treatment can include surgical fees, diagnostic tests, emergency dental treatment and day care treatment. Out-patient treatment does not require the patient to be treated in hospital. Examples of out-patient treatment include prescription drugs, vaccinations and doctors appointments.

Q: What is a deductible/excess on an International Health Insurance Plan?

A: Deductible (excess) is the proportion of a claim that you will be required to pay out of your own pocket. Insurance companies use deductibles in a number of ways. A deductible may be used to eliminate small claims or simply be used to underwrite a high risk. Insurance companies may even allow you to select a deductible in return for a decrease in the premium.

Q: Where can I go for treatment?

A: Insurance Health International Plans can be purchased for various geographical areas. Typically these will be worldwide and worldwide excluding North America. The majority of policies allow you to select the doctor and hospital of your choice within your geographical area of cover.

Q: Is it possible for a US citizen to buy an International Health Insurance Plan?

A: International Health Insurance Plans are available for people of all nationalities. If you are away from the USA for six months or more you will be eligible. Some plans will allow you to keep your cover if you return to live in the USA. It is best to consult your advisor on whether your selected plan will allow you to do this.

Q: I am a USA resident, will an International Health Insurance Plan provide cover for me?

A: The regulations in the USA state that you should gain cover from a local provider. However, if you are rejected by local insurers you are then able to purchase an International Health Insurance Plan. Some plans will allow you to keep your cover if you are returning to the US having lived abroad.

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