Choosing the correct expatriate health insurance is a very serious decision as the plan that is put in place at the start may stay with you for your lifetime. Changing your plan after a period of time may mean that some conditions may be considered as pre-existing and may not receive coverage under the policy. Therefore, the time taken in the first instance to select the right level of cover can not only save an unnecessary financial burden but a great deal of anxiety and stress.
Expatriate health insurance policies can be confusing. Utilizing the services of an insurance advisor can prove invaluable and save hours sat in front of a computer. The advisor's responsibility is to represent the interests of the policy holder, and not those of the insurance company. With their knowledge, experience and ability to interpret policy wording, an expert insurance broker can help you to avoid much of the stress associated with choosing a quality expatriate health insurance plan.
A medical plan purchased from a local provider may appear to save the expat money in the short term. It can also prove to be very disappointing, in the level and type of cover provided in comparison with a plan from an expatriate health insurance company. In the long term it is advisable to obtain as much knowledge as possible before making important decisions.