Frequently Asked Questions and Answers
We maintain a up to date section of listing all questions asked on our site along with comprehensive answers. To view this section please click the following link, international health insurance questions.
Q: What is an International Health Insurance Plan?
A: An International Health Insurance Plan provides cover for you wherever in the world you may be. The plans allow you to visit the doctors and hospitals of your choice in the country of your choice. International Health Insurance Plans are ideal for people who live away from their home country or are frequent travellers.
Q: Who can buy an Overseas Health Insurance Plan?
A: You are generally required to be residing outside of your home country to buy an International Health Insurance Plan. The plans are available to people of all nationalities.
Q: Are International Health Insurance Plans available for companies?
A: It is possible to buy a plan to cover your company, group or family. The group must contain a minimum of three people and premium discounts may be available for large groups.
Q: What is the duration of an International Medical Insurance Plan?
A: The standard contract length is twelve months. The majority of International Health Insurance Plans are guaranteed renewable. This allows you to always have the option of renewing your cover regardless of your claims history in the previous year.
Q: Is it better for me to buy a Travel Insurance Plan or an International Health Insurance Plan?
A: Travel insurance plans generally provide coverage for shorter periods of time. Often the maximum period is six months. The plans are not renewable and do not provide such in depth cover as health insurance plans.
Q: Do Overseas Health Insurance Plans have age restrictions?
A: The age limits for enrolment in health insurance plans vary from insurer to insurer. Generally the maximum age is between sixty-five and eighty years old. International plans are generally guaranteed renewable. This means that once you are on plan you can feel comfortable in the knowledge that you will always be covered.
Q: Do I require in-patient or out-patient treatment cover?
A: In-patient treatment refers to treatment undertaken in a hospital where an overnight stay is medically necessary. In-patient treatment can include surgical fees, diagnostic tests, emergency dental treatment and day care treatment. Out-patient treatment does not require the patient to be treated in hospital. Examples of out-patient treatment include prescription drugs, vaccinations and doctors appointments.
Q: What is a deductible/excess on an International Health Insurance Plan?
A: Deductible (excess) is the proportion of a claim that you will be required to pay out of your own pocket. Insurance companies use deductibles in a number of ways. A deductible may be used to eliminate small claims or simply be used to underwrite a high risk. Insurance companies may even allow you to select a deductible in return for a decrease in the premium.
Q: Where can I go for treatment?
A: International Health Insurance Plans can be purchased for various geographical areas. Typically these will be worldwide and worldwide excluding North America . The majority of policies allow you to select the doctor and hospital of your choice within your geographical area of cover.
Q: Is it possible for a US citizen to buy an International Health Insurance Plan?
A: International Health Insurance Plans are available for people of all nationalities. If you are away from the USA for six months or more you will be eligible. Some plans will allow you to keep your cover if you return to live in the USA . It is best to consult your advisor on whether your selected plan will allow you to do this.
Q: I am a USA resident, will an International Health Insurance Plan provide cover for me?
A: The regulations in the USA state that you should gain cover from a local provider. However, if you are rejected by local insurers you are then able to purchase an International Health Insurance Plan. Some plans will allow you to keep your cover if you are returning to the US having lived abroad.
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Recent Questions / Comments:
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| Hello. I am currently in the us military stationed in the United Kingdom, Currently my fiance who visits from the United States is currently 14 weeks pregnant with no health insurance. While here she has been able to get some health checkups from the British midwives, but it has been our concern how long it will last. Our goal is for her to have our child here in england while we are together , but the only problem is my insurance will not cover her until we are married. What options are there if any, so that i may be able to purchase coverage for her to maintain and have our child here. | |
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| I am an Indian living in Indonesia. I would like to have a medical health insuarnce for me and my wife. I travel to USA and Canada quite often. We do not have any health insurance of our own except for the group insurance from my company applicable to me only. I am looking for a long term insurance which will be applicable in Indonesia, India and other countires. | |
Questions and Comments about this Page:
| Ravon: | |
Question: Good Morning/Afternoon Sir, I'm interesed in getting some health insurance for my fiance and her two children. However, they are philippine citizens and not U.S citizens. Will i be able to get health insurance for them through you company. she doesn not have insurance. |
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| Yaron Pinto: | |
Question: I would like to purchase medical insurance for my wife. She is a chinese citizen, currently living in Beijing. In September she will come to the USA on an immigrant visa, to live near San Jose, California. She currently has no insurance. I would like for her to be covered in China (until September), and also when she arrives in the USA (from September on). Also, I will be traveling with her in China during August and September. Is it possible ot buy travel insurance for her? Answer: Depending on the plan that we choose we can offer both you and your wife comprehensive coverage in China and the USA. International health insurance plans will provide you with the highest levels of medical cover wherever you may be located in the world, so you have the assurance that, while you are traveling prior to your relocation, if anything should happen that you will receive the best medical care available. The plans that we can offer are globally portable, so even if you decide to relocate away from the USA, your wife’s plan will travel with you and continue to provide the coverage that you need all across the globe. Read more about "Can I obtain coverage for a Chinese national in China?" |
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Edited: 2007-12-06 16:19:20 |
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