The international health insurance industry is a multibillion dollar market and as customers we can expect to get great coverage all across the globe.
The international health insurance industry is a multibillion dollar market and as customers we can expect to get great coverage all across the globe. It is a big decision, who to go with, and there are a lot of options out there so research is key. Before taking the plunge consider the points below, often over looked issues or recent developments in the market, they may make all the difference and get a great deal with comprehensive coverage.
Flexible coverage. We’re not talking about tiered coverage here, we’re talking about how flexible the coverage is within each tier and how far your international health insurance provider will go to accommodate you and anyone else on your package. For example currency flexibility is fairly new as a feature and can make the world of difference for customers. When making a claim for an accident that happened in Europe, what use are Euros when you’re in South East Asia? It’s far more convenient for the customer to get their payout in the currency of the country they currently located and a good provider will offer this.
Where is the company based? Many companies rightfully allow the nature of their business to direct them geographically so international health insurance providers will often have offices in most of the major cities, which is comforting for expats and travellers. If this isn’t the case then the recent advancements in communication technology should allow you to contact them (and vice versa) with ease. Services such as Skype as well as iPhone apps and the World Wide Web makes it fast than ever to get in touch to customer services departments, and your provider should have a 24/7 customer hot line.
User reviews. These are good to research but only use them as a bench mark. Read as many as you can to get an overall wider sense of the company you are considering. Don’t let a few ultra negative reviews put you off instantly. The internet is full of trolls and disgruntled customers and with high speed broadband they often vent their frustrations as soon as there is a hitch in their cover, without allowing fair time to resolve any issues so be aware of this before abandoning a health insurer based one bad review.
An international health insurance package that provides good coverage for you and anyone travelling with you, is essential to a smooth relocation, holiday and backpacking trip. So when you’re signing on the dotted line, take a minute to consider the above points and hopefully you’ll get the best cover possible with the most accommodation provider.