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Do you offer Family Health Insurance in Finland

Do you offer Family Health Insurance in Finland

 

Question: 
Dear Sir/Madam, I work in Finland for one year, I want to buy a family insurance (a baby, two adults). How much will it cost per year/month?

Answer: 
Pacific Prime can offer Finland health insurance plans for expat families located in Finland, or Finnish families located overseas. We can provide international health insurance that will afford your family with comprehensive hospital cover in addition to various options which can be added to the plan’s coverage for extra medical protection. Pacific Prime will work with you to find the global health insurance plan that best suits you and your family's needs.

There are various expat health insurance options that Pacific Prime can offer, including worldwide coverage of medical treatment, premium saving benefits and access to some of the best hospitals and health care centers in Finland. International health insurance plans will usually offer hospital cover as a core component of the policy, with the option to add on extra medical cover such as emergency evacuation, outpatient, maternity, dental and optical treatments.

While local Finland health insurance plans offer a range of medical benefits in Finland, an international health insurance plan will be more beneficial to you and your family in the long run. International health insurance plans will normally offer access to worldwide health cover, affording you and your family with medical care anywhere in the world. International health insurance plans will also include other policy benefits such as global portability, ensuring there is no interruption to your medical benefits if you decide to move to another country or return to your home nation. Local health plans do not offer global portability, so if you relocated overseas you would need to take out a whole new health insurance plan.

Throughout the life of your health plan, if anyone in your family is diagnosed with a serious medical illness, any ongoing treatment will be covered according to your health plan policy. Without global portability, if you relocated you would need to take out a new health insurance plan. During the application process, chronic medical conditions are deemed as pre-existing medical conditions upon a new application for an insurance policy. Obtaining coverage of pre-existing conditions can be difficult and is often very unlikely; as such, it is highly important to have a globally portable plan to ensure no interruption to your family's medical protection no matter where in the world you may be located. International health plans can also include lifetime renewal guarantee benefits. When your policy is due for renewal at the end of the policy year, every member will be guaranteed cover regardless of their age or any chronic health condition they have acquired.

Another consideration for expat families is maternity benefits and the completion of waiting periods. If you are planing to have more children, it is important that your Finland International Health Insurance plan will carry your maternity benefits when you relocate overseas. Maternity waiting periods are typically 10 to 12 months. With global portability, completion of this waiting period would be unaffected if you relocated or returned home; the plan will travel with you ensuring that you do not need to undergo an additional waiting period when you move. Again if you relocate, without global portability you would need to take out a new plan and this would incur new waiting periods to be completed.

The cost of your health insurance plan will be calculated by your geographic residential location, the age of each member, and the number of members registered on the plan. The premium will also be affected by the level of cover you have selected for your family and any optional medical benefits that have been added onto the plan. If you pay your premium by the year, this can ultimately be cheaper than paying your premium by the month.

For more information about Finland Health Insurance, or to receive a free Global Health Insurance quote, please contact us today.



 
   
     
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