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Question:
Hi, My family and I are moving to Italy for a year and would like to acquire health care coverage. My family consists of myself, 38 yrs old, my husband 38 yrs old, and two daughters 5 and 8 yrs old. I am not sure where to begin and would appreciate any information/ guidance you can provide. Thank you.
Answer:
Pacific Prime works with a number of private medical insurance providers, who can offer international coverage for families traveling abroad to Italy, and other countries worldwide. Pacific Prime represents over 55 health insurers who can offer extremely high levels of medical coverage and benefits for family members on a worldwide basis.
Family health insurance plans will typically offer a core medical plan which will include access to a range of inpatient treatments, outpatient treatments, ambulance cover, medical evacuation and repatriation. Health insurers will normally offer various levels of cover to choose from and the option to add on extra benefits such as Maternity Cover, Dental Cover, Optical Cover, and Geographic Areas of Medical Cover (such as exclude medical cover in the United States).
Policy holders will normally be given the option to select from a range of different levels on their selected health insurance policy. For example, a core level outpatient plan will typically include doctor consultations and diagnostic tests at a private medical centre, whereas a higher level of outpatient care will offer your family a range of medical benefits, such as:
Increased limits on outpatient treatments
Vaccinations
Adult Health care screening: blood pressure, cholesterol, cancer, cardiovascular, neurology, Pediatric health care and vaccinations
Alternative and complimentary treatments
It is common for leading health insurance companies to partner with large organisations to increase the services in which they can offer their members. These services typically include medical emergency and security assistance, expert health advice, second medical opinion, counseling and legal services. Benefits such as these are particularly useful to families who are new to a country and may need assistance with navigating their new health care system and legal system, and overcoming language and cultural barriers.
Premiums will vary among health insurers. Premiums are calculated by the policy holders' country of residence and the age of each member on the plan. Policy holders can influence the cost of their premium by selecting a deductible option, adding on extra benefits, increasing limits on treatments, or including and excluding geographic regions of cover.
As you can see there are various health insurance options available to expatriate families living abroad. At Pacific Prime we can work with you to find the right health insurance plan that suits your family's needs.
For more information about Italy Health Insurance Plans offered through Pacific Prime, or to receive a free global Health Insurance quote, please contact us today.
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