International insurance plans and benefits often look similar, however they usually have different benefits and limits, apply different exclusions and therefore work in different ways. We’ll make sure you are aware of the differences.
They also differ considerably from local insurance products in that they provide cover around the world, higher annual limits, comprehensive benefits, and cover at private and public medical facilities giving you the choice and flexibility you require being a globally mobile professional.
Leave home knowing you’ve got
the best possible cover and support.
Most insurers offer In-patient plans, the most basic option, with benefits that cover high cost treatment such as hospitalisations, day-patient care, specialist consultations, advanced imagery and evacuations.
Members can also select plans that cover Out-patient benefits that do not require hospitalisation, such as doctor visits, medication and phyisotherapy.
Some insurers offer a mix of In-patient and Out-patient benefits in one plan with varying levels of cover to choose from.
See below benefit examples.
The wider the area your policy covers the more FLEXIBILITY your policy offers. You potentially have cover at more facilities and the ability to work and travel in any country you desire.
The blue colour indicates the area of cover.
We make it easy to find
the cover that suits you best.
The core section of any policy, the in-patient benefits can be selected on their own. These provide cover for serious illnesses and accidents or medically necessary surgeries that are normally high cost and require a stay in hospital.
Out-patient benefits include in-patient benefits plus the addition of out-patient treatment which does not require hospitalisation and are generally low cost.
Private or Semi-private Rooms
Inpatient Surgeries – including surgeons’ and anaesthetists’ fees
Transplant Services and Kidney Dialysis
Advanced Medical Imaging (MRI, CT and PET scans)
Renal Failure and Dialysis
Emergency Evacuation – includes travel costs for an accompanying person, accommodation and compassionate visits.
Medical Repatriation – includes repatriation of mortal remains
Core benefits plus the following…
Consultations with medical practitioners and specialists
Maintenance of Chronic Conditions
Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry
Maternity Cover – Routine and complications of childbirth – 10-12 month wait periods apply.
Dental Care – Preventative, routine, major restorative, orthodontic treatment.
Health and well-being checks – physical exams, pap smears, mammograms, cancer screenings.
Vision – Spectacle lenses and frames, contact lenses and prescription sunglasses.
Accidental Death and Dismemberment
Terminal Illness Cover
Outpatient benefits are either covered in full or are covered up to limits set by the insurers.
Some specific benefits may also have their own limits.
For further information or a quote comparison click here.
No claims discounts
Cover at private or public hospitals
Easy claim processes, fast claim refunds and online claims tracking
Possible cover of pre-existing conditions
Direct billing networks – provided by some insurers and in some countries
Pre-approval for high cost treatment
Optional 24 month moratorium or full medical underwriting (FMU)
Medical advice help-lines
Money back guarantee periods
Various payment methods and payment frequency options
Smart phone apps
Additional benefits may vary between insurers.
To find out what type of cover is right for you, contact us.
One’s destination is never a place, but a new way of seeing things.
In a medical event or travel interruption, it is important to have the right cover to get you evacuated home or to a country with better emergency care, or ensure the cost of resuming travel is covered. Medical care varies significantly across countries and within regions, so having comprehensive insurance suitable for the country or region you are living or travelling in is important.
Deciding on a suitable insurance plan can be daunting when faced with a number of choices, policy wordings and industry terminology. Understanding these and how they might apply to your situation is not easy, so having the right advice from international medical insurance specialists will provide expert comparisons and deliver additional help and support throughout the duration of the policy.
Our advice and recommendations depend on a number of factors;
Intended country of residence?
What do you want to be covered for?
Pre-existing medical conditions?
Benefits vs Price?
Accompanying family members?
Ensure your family has
the best available care.
SITUATION & NEEDS ANALYSIS
We have questions that are quick and easy to answer. They help us determine what you need the cover for. We contact you to discuss your inquiry in more detail where required.
We identify the insurers that are likely to best meet your requirements. We provide a benefit and premium comparison and undertake a country health system analysis.
We fine tune your preferred plan options. We save you time and money by negotiating the benefits and premium on your behalf.
If you’re happy with our recommendation we help you apply to the insurer and manage your application to ensure it progresses as it should.
We ensure the policy is in place and documentation is delivered to you.
In the end we only regret the opportunities we did not take.
Global Albatross is New Zealand owned and operated. We are a New Zealand registered Financial Service Provider – FSP number: FSP465706.
Global Albatross is also a participant of the Insurance & Financial Savings Ombudsman Scheme, membership number 2001680.
© 2015 Global Albatross Ltd.
All rights reserved.