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Does International Health Insurance offer worldwide cover

Does International Health Insurance offer worldwide cover

Question: 
You ask the country of coverage, but what if we travel to different countries. Will we be insured in those countries as well? For example we work and stay in Africa but travel regularly abroad to different countries. Thank you

Answer: 
International Health Insurance policies will typically allow you to receive treatment with the doctor or hospital of your choice anywhere in the world. This means that if the type of treatment which you require is not available in the country you are currently located, or if you travel abroad frequently, you will be able to receive your medical care in the country of your choice.


The reason we ask for your country of coverage is due to the fact that the cost of medical treatment around the world will vary from country to country. As such the premium associated with an expatriate health insurance policy is calculated based on the plan’s Geographic Area of Coverage, for which there are normally two options:
Worldwide
  • Worldwide
  • Worldwide Excluding the USA

The reason for this is due to the fact that the USA has the highest healthcare costs in the world, and excluding America from your plan’s coverage area can significantly lower the policy premium. Please note that a plan excluding the USA from coverage will usually allow you to receive emergency medical treatment should an untoward situation occur, but will not cover you for elective medical procedures.

An international health insurance plan will be able to provide you with comprehensive cover while in Africa, or when you travel overseas. By giving you the choice of where you receive treatment, and the option of a number of extended coverage benefits, you can travel around the world safe in the knowledge that should something happen, you will have the support and coverage which you deserve.


     
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