What do expat medical insurance plans cover?
Expat health insurance plans are designed to address the medical needs of expats from around the world. The following benefits are usually provided by expat health medical insurance policies.
We understand that, as expats, you are constantly traveling back and forth between your home country and your country of residence. This is why expat health insurance plans sold by Pacific Prime will offer international coverage for medical treatments abroad.
24/7 Customer service
Whether it's to file a claim or for general inquiries, you’ll have access to around-the-clock customer service by phone or email.
Expat health insurance plans sold by Pacific Prime offer guaranteed renewability. This means that even if you’ve developed a chronic medical condition over the year, you’ll be able to renew your policy. Of course, premiums will rise each time you renew your plan, but they will often only increase with the average rate.
Under a direct billing network, the hospital within the network will bill your medical fees directly to the insurer, saving you the time of having to file a claim afterwards and reducing the out-of-pocket payments you’ll need to make for each hospital visit.
Inpatient and outpatient coverage
You’ll be covered for both inpatient and outpatient treatments at the hospital. With the guidance of our experts, you will also be able to choose your level of benefits coverage from a wide range of insurers.
Additional coverage benefits can also be added to the plan, including:
- Pre-existing condition coverage
- Maternity care
- Newborn child care
- Dental care
- Vision care
- Emergency evacuation
- And more
What should I look for when comparing expat health insurance?
When comparing expat medical insurance policies, these are the four questions you should be asking yourself:
1. Does the policy address my medical needs?
The most important question to ask is whether the policy addresses your medical needs. This is so that once you purchase the plan, you’ll be able to make use of its benefits. For instance, if you know that you will be making frequent outpatient visits to the hospital in the upcoming year, it may be best to purchase an expat health insurance plan that offers comprehensive outpatient coverage.
2. What are the policy limits and benefits?
Knowing your policy limits and benefits can help you compare plans in two main ways. First, you’ll be able to compare the scope of different policies, which will help you make the right decision as to which policy best suits your medical needs. Secondly, it will offer an indication as to why premiums on certain plans are higher than others.
3. What are the exclusions?
Details on what medical conditions are excluded from the plan’s coverage can vary between different expat health insurance policies. Make sure you check these exclusions and compare them across different plans to find one that suits your medical conditions the most.
4. Does the plan cover for pre-existing conditions?
Chronic medical conditions or pre-existing conditions are often excluded from health insurance plans. For plans that do provide coverage for pre-existing conditions, premiums may be much higher or there may be a waiting period in place. For this reason, it’s always best to compare pre-existing condition coverages on different medical insurance plans.
Learn about the cost of expat health insurance
The cost of expat health insurance can vary greatly, depending on a number of factors, such as your age, the country you live in, and your medical history. To learn more about expat health insurance, read our complete guide to moving abroad as an expat, which covers issues such as travel arrangements, finances, and health insurance abroad.
How do I find the best expat health insurance plan?
The most effective way to find an expat health insurance plan that truly addresses your needs is through the help of Pacific Prime, a global insurance broker that specializes in health insurance for expatriates. Pacific Prime partners with over 60 of the world’s leading insurance companies to offer tailor-made solutions to more than 120,000 individual clients.
With us, you’ll get free consultation sessions from real industry experts, as well as a wide range of plans to choose from. Click the ‘Get a Quote’ button now to receive your free price comparison quote.