Private Health Insurance for Expats
No matter where you are in the world, the first of many important things you need to consider as an expat is getting a private health insurance plan.
What is private health insurance?
Private health insurance refers to health insurance plans marketed by the private health insurance industry, as opposed to government-provided insurance programs. With a private health insurance plan, you are ensuring that, if your health was to deteriorate, you are guaranteed health cover at a private health facility.
Why are expats encouraged to secure private health insurance?
For expats, the country you are based in may offer public healthcare services that are vastly different to what you are used to at home.
There may be times when you’ll have difficulty communicating with medical professionals when visiting a public hospital, or when the long queues mean you need to wait for hours on end. Certain public hospitals may not even have the latest medical equipment to perform diagnosis, or lack the crucial expertise to provide treatment.
However, a private health insurance plan gives you access to a private hospital that offers numerous solutions, such as multilingual staff, short to no queues, state-of-the-art equipment, and staff that are both experienced and knowledgeable in their field.
If this is the expectation you desire for healthcare treatment in another country, then get a quote from one of our consultants today!
What do private health insurance plans cover?
Looking for a private health insurance plan that fits your needs can be a laborious task, especially when it is not a one-size-fits-all product. Private health insurance plans vary from insurer to insurer, and then again between the different plans each insurer offers.
Here are some benefits to consider when searching for your ideal private health insurance plan:
What else should I consider?
For expats considering getting private health insurance, the following features are worth knowing about:
Guaranteed renewable
A guaranteed renewable plan is an insurance plan feature that ensures an insurer is obligated to continue health coverage as long as premiums are paid..
Direct billing
After receiving medical treatment, your insurance provider will be billed directly, saving you from making out-of-pocket payments directly, unless there is a deductible you must pay first.
Top up plan
A top up plan is great for those that need to supplement their employer-provided group health insurance. This is a great way to ensure that you’re covered for all your health needs.
Flexible private insurance plans
Once you have selected your plan and included all the additional coverage benefits, you can further tailor your plan by selecting your payment methods, deductibles, premiums, and a myriad of other options. The choice is yours, so speak to one of our advisors to begin making those personal preferences.
Learn about the cost of global health insurance
The cost of private health insurance has been on the rise in recent years and will continue to do so in the near future. Learn about the key global factors shaping premiums by downloading your copy of our 2020-2021 Cost of Health Insurance Report.
How do I find the best private health insurance plan?
Pacific Prime is a one-stop shop for the best private health insurance plan. Regardless of your needs and desires, Pacific Prime can go beyond your expectations and offer some of the very best private health insurance. If a plan you come across doesn’t feel right, Pacific Prime can have it tweaked and tailored to suit your needs and budget.
Professional advisors
Our helpful staff has the knowledge and expertise necessary to answer all of your insurance questions, and to provide you with an ideal private health insurance plan. Get a quote from Pacific Prime today by clicking on the button below!
