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Worldwide Health Insurance for Individuals

International health insurance plans and benefits often look similar, however they all have different benefits and limits, apply different exclusions and are designed to work in different ways.

International policies differ considerably from local health insurance products in that they provide cover worldwide, deliver higher annual limits, and provide comprehensive benefits and cover at both private and public medical facilities. These elements allow globally mobile individuals choice and flexibility.

One of the most important reasons for arranging an international policy is so that it can be taken with an individual, to whichever country one chooses to reside, rather than relying on and switching between local policies, resulting in ever decreasing cover from any medical conditions or injuries occurring during that time.

The continuation of cover that international policies guarantee, protects an expatriate’s continued lifestyle should a chronic illness develop or an injury occur, meaning the policy will continue to cover the cost of any treatment required as long as the premium continues to be paid.

Which Cover Is Best For You?

It is important to have the right cover to ensure ready access to medical care wherever you choose to live in the world. Then if a life-threatening emergency occurs you can be evacuated home, or moved to a country where high quality care is available. Medical care varies significantly within regions and across countries, so having comprehensive medical insurance suitable for the area or country you are living or travelling in is important.

Deciding on a suitable insurance plan can be daunting when faced with the huge variety of policies on the market, the policy wordings, industry terminology and exclusions. Understanding these and how they might apply to your specific situation is not easy, so having the right advice from global specialists is important.

Our Impartial Advice Depends on Several Factors

Intended country of residence

What you need and want to be covered for

Pre-existing medical conditions

Benefits vs price

Duration of expatriation

Your health is your most valuable asset – insure it!

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Policy Benefits

The core section of any policy is the in-patient benefit. This provides cover for serious illnesses and accidents or medically necessary surgeries that are normally high-cost and require a stay in hospital.

Out-patient benefits automatically include cover for in-patient treatment, but also include treatment that does not require hospitalisation.

In-patient (core)

  • Private or semi-private rooms
  • Inpatient surgeries – including surgeons’ and anesthetists’ fees
  • Intensive care
  • Cancer treatment
  • Transplant services and kidney dialysis
  • Diagnostic procedures
  • Advanced medical imaging (MRI, CT and PET scans)
  • Organ transplants
  • Renal failure and dialysis
  • Specialist consultations
  • Emergency dental
  • Emergency evacuation – includes travel costs for an accompanying person, accommodation and compassionate visits
  • Medical repatriation – includes repatriation of mortal remains
  • Psychotherapy and psychiatric care

Out-patient

In-patient benefits plus the following:

  • Consultations with medical practitioners and specialists
  • Out-patient surgeries
  • Diagnostic tests
  • Dental accidents
  • Prescribed medication
  • Maintenance of chronic conditions
  • Physiotherapy and chiropractic treatment
  • Osteopathy and acupuncture
  • Podiatry and chiropody
  • Chinese traditional medicine and homeopathy
  • Dietician
  • Psychotherapy and psychiatric treatment

  • Speech therapy

  • Therapeutic aids and appliances

     

Add-on benefits

  • Maternity cover – Routine and complications of childbirth, 8-12 month wait-periods apply
  • Dental care – Preventative, routine, major restorative, orthodontic
  • Health and wellness 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
  • Travel insurance
  • Life insurance
  • Income protection
  • Child immunisations
  • Travel vaccinations

Additional features

  • Cover at private or public hospitals
  • Cover of specific pre-existing conditions
  • Easy claim processes, fast refunds and online claims tracking
  • No-claims discounts
  • Direct billing – provided by some insurers and in some countries
  • Pre-approval for high cost treatment
  • Lifetime renewable
  • Optional 24-month moratorium or full medical underwriting
  • Medical advice help lines
  • Money back guarantee periods
  • Various payment methods and payment frequency options
  • Smart phone apps

Areas of Cover

A number of areas of cover are available, however as an expatriate, a worldwide excluding USA policy is important to consider. Worldwide cover ensures treatment of any illnesses or injuries, no matter where you are in the world, and also avoids the need for finding a new policy for each country or region that you relocate to.

WORLDWIDE

WORLDWIDE (excluding USA)

EUROPE

MIDDLE EAST

AFRICA

ASIA and the PACIFIC

Our 5-Step Process

1. Situation and needs analysis

We ask questions that are quick and easy to answer and help us determine the type of cover you need.

2. Compare options

Insurers are identified that are likely to best meet your requirements. Benefit and premium comparisons are provided.

3. Fine tune

Preferred plan options are fine-tuned. Policy benefits and premium are negotiated on your behalf, saving you time and money.

4. Policy selection

Options are discussed and recommendations provided. We help with and manage the application to ensure it progresses as it should.

5. Implementation

The policy is arranged and documentation delivered. We move into managing the policy, advocating on your behalf with claims, arranging guarantees of payment, medical emergency support and holding insurers to account.

Why settle for average broking services when you can have a top-quality advocate, for free?

Assign Global Albatross as your broker.

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