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Saturday, 21 July 2012

Expatriate Health Insurance Quote

Online expat health insurance quotes provide a convenient way to research your different options. You can research plans without the presence of a salesperson. You can review plans at your own leisure and educate yourself on health insurance. Not all plans are the same. Each will vary in coverage, deductibles, co-pays, and premiums. You should first determine what level of coverage you need and select the plan that provides your coverage requirements.

What should I look for when buying Expat health insurance?

While we would all like to think that an accident will never happen or we'll stay in good health, you never know what might be around the corner. To ensure that you are covered for every eventuality, both short and long-term, you might want to choose a range of cover that includes:
  • Chronic conditions such as cancer
  • Maternity including pre and post-natal treatment
  • Doctors/specialist visits and prescription drugs
  • Emergency evacuation back to your country of origin
  • Dental & optometrist treatment
You should also check if the plan offers "Paid in full" or whether it just covers a proportion of the costs for certain treatments, particularly for long-term illnesses such as heart disease. It is also sensible at this stage to decide what deductibles (excess) you are willing to pay. As with other types of insurance, the higher the deductible you are prepared to cover, the lower the overall premium.

You also need to what the maximum limit on the policy is so that you are certain that you are covered for everything, including emergency surgery or long-term medical treatment. The UK's Foreign Office recommends that you should take out a policy that provides at least £2m / €2.5m / $3m in benefit limits.

It all sounds very complicated...

In fact, taking out expat health insurance is as easy as arranging any other form of insurance cover. The first thing to do is a little research into the requirements of your country of destination to find out what type of cover you will need. Then talk to insurance companies that specialize in expat health insurance, telling them where you're moving to and what kind of cover you would like. They will use their experience and expertise to find a policy that matches both your needs and the legal requirements of the country you are moving to. There are policies designed for international travellers who just want temporary cover, and for those who are planning to move to a new country on a permanent basis. Insurance providers such as CIGNA Global offer comprehensive international health insurance packages that are tailor-made to help people who are planning to make that big move abroad.

Once you've sorted out your international health insurance, you can then arrive in your new home, safe in the knowledge that you and your family will get the medical treatment you need, when you need it. Medical insurance also means that you won't have to pay a fortune for that treatment either.

For more details about expatriate health insurance quote please visit www.cignaglobal.com. Thank you for reading..

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