Pages

Monday, 16 July 2012

Expat Insurance USA

With the rising number of skilled workers migrating to the various corners of the world for long-term employment, there has been a corresponding increase in the need for quality, expatriate (expat) health insurance. While many countries have free or low-cost government run healthcare systems, they are not free for non-citizens and they are notoriously flawed in many ways.

If you or a member of your family falls ill, are you willing to spend hours upon hours in a crowded public hospital waiting room? Doctors and nurses who serve in government-run medical facilities are almost certainly well trained; however, they are oftentimes overwhelmed by the sheer number of patients that they see on a daily basis. This in turn can be a contributing factor in an important aspect of your medical treatment being overlooked.

What Public Health Systems Can Offer

As mentioned, public healthcare systems offer free or low-cost treatment to those who are in need of treatment; however, there are very often long waiting lists for surgical procedures or other complicated courses of treatment.

A private room is a rarity and you are usually not able to choose your own doctor. You may even find you are denied access to anything but the most basic of emergency treatment, simply because you are not a citizen of the country in which you are residing.

To better protect yourself and your family in the event of a medical emergency, it is vital that you have a comprehensive expat health insurance policy to help provide you with an extra level of protection.

Benefits Of Expat Health Insurance

As a resident in a foreign country, you may not be eligible for access to the public health system, even if your residency status is legal and current. Expatriate health coverage can provide you and all members of your family with access to medical treatment from private doctors and private treatment facilities. You will have ready access to required medical treatment without needing to wait hours upon hours. Additionally, you access to the best private doctors and surgeons.

When researching the best options in expat health insurance, here are a few things you should look for to ensure that you have the right health coverage for all of your expatriate medical needs.
  • Is the insurance company fully regulated in your home country? Often times, a dispute arises over the payment of a claim. National and State Departments of Insurance have a way of keeping insurance companies honest, if those companies are regulated within their jurisdiction.
  • Does your policy provide emergency medical evacuation benefits if needed? If you are traveling to a remote location of the world, this is a very important feature.
  • Be aware of the insurance policy exclusions - what the policy does not cover. Most health insurance plans provide similar benefits. On the other hand, some plans contain far more restrictive exclusions than do others. In fact, when comparing policies, trained health insurance agents will usually check the exclusions first.
  • All health insurance polices contain an exclusion for "pre-existing medical conditions." Be sure to carefully read the policy definition of this exclusion. Some policies contain very broad and ambiguous definitions, giving the insurance company a potential way out of paying a medical claim.
A good expat health insurance policy can provide you with much needed protection. But separating the good from the not-so-good can be challenging. Fortunately, there are a few insurance agents today who specialize in health insurance for expatriates. Using the services of such a specialist is probably a wise idea, as they are familiar with the marketplace and the best plans available.

In most cases, it will not cost you anything extra, as health insurance rates are fixed and insurance agents are paid directly by the insurance companies. Just be sure to look for an agent who is independent and not an insurance company employee.

In this way, you can be sure of unbiased advice that can guide you to the expat health insurance plan that best fits your exact needs, situation, and budget.

For more information you can go to www.1expatriate.com, This site specializes in U.S. regulated expatriate health insurance and features the advice and services of an experienced agent, with decades of expatriate insurance experience.

No comments:

Post a Comment