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Question:
As a Swiss citizen resident in Japan, I would be interested in contracting a private health insurance. Please, could you inform me whether your services cover alternative medicines. I would like to know also whether the services from private clinic (as the Tokyo Medical and Surgical Clinic for instance) are covered.
Answer:
Pacific Prime can offer comprehensive global health insurance plans to expatriates located throughout the world. Policies that we can offer will typically afford you a number of benefits and may include coverage for out-patient treatments, maternity, dental treatment, specialist consultations, alternative therapies, and emergency evacuation. International health insurance plans are typically guaranteed renewable for life, globally portable, and will normally allow you your choice of doctor or hospital anywhere in the world.
We can offer you a range of options for your coverage, and in many cases can tailor a plan to meet your specific needs. Most global health insurance policies which we provide will afford you the luxury of having your own private room in the medical facility where you are receiving treatment. In addition to this, many policies will give you the option of receiving treatment in a semi-private room, as opposed to a private one. If you elect to choose a semi-private room then you will normally see a reduction in the overall plan premium.
One of the major benefits of an international health insurance policy is the ability that you as a policyholder have to choose the appropriate level of coverage that meets your specific requirements. One of the benefits you will typically be able to obtain coverage for is with regards to alternate therapies. Many policies will allow you to receive treatments that are not associated with current western medical practices. Typical alternative therapies will normally include such things as Traditional Chinese Medicine, Chiropractic Treatment, Acupuncture, Osteopathy, and Homeopathy.
It is important to note however, that coverage for alternative therapies will typically only be available as part of an out-patient insurance benefit. Additionally, such alternative medicine will usually have special sub-limits and caps associated with the coverage which may be lower than the limits associated with a general out-patient benefit. As such, it is important that you are aware of the coverage that your plan will provide prior to purchase.
An expat health insurance plan is a great way to ensure that should you suffer an accident or illness while outside of your home nation you will have the protection that you deserve. An international health insurance policy will ensure that you have access to the best hospitals and doctors in the world and will allow you to choose whether you receive treatment from the public system or at a private hospital or clinic.
For more information about the global health insurance policies we are able to provide, or to receive a free customized quote, please contact our expert advisors today.
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