The answer is simple:

Unlike some state healthcare systems, such as the NHS in the UK, not all around the world are free. Access to quality local facilities and appropriate treatment can be both difficult and expensive for expats living overseas. Also, the quality of local healthcare varies around the world. International medical health insurance will help ensure your peace of mind, as it can cover anything from regular check-ups to evacuation.

Simple as that.

Medical health insurance restrictions vary from plan to plan, however, some insurers do put an age restriction on some policies. 

Most medical health insurance providers offer a money-back guarantee.

If you are not entirely satisfied with your medical health insurance plan, policyholders can usually cancel during the first 14 to 30 days, provided that they haven't made any claims.

The simple answer is no.

Travel insurance is not an appropriate alternative to expat health insurance if you are living or working overseas for any length of time. The reason is that travel insurance will only cover emergencies and for a very limited period. Furthermore, travel insurance will often not cover people who are working during their time abroad. Travel insurance is designed for holidaymakers, whereas international health insurance plans are designed with expats in mind.

It depends...

Some insurance policies have a waiting period, which means that you cannot claim treatment until you have owned a medical health insurance policy for a set period of time. Our advisors can offer you guidance on your specific medical health insurance plan.

Simply put, yes.

Yes, we can help you choose a medical health insurance plan where you are not required to pay upfront for both in-patient and out-patient treatment.

It depends.

There are usually no exclusions relating to sporting activities. However, hazardous sporting activities are not usually included unless the medical health insurance provider has agreed in writing to cover you for that activity and you have previously declared that you participate in that particular activity.

Examples of hazardous activities include motorcycling, paragliding and water skiing.

The simple answer is yes.

Yes, with a private health insurance quote, you can choose both the doctor and the hospital or clinic where you wish to be treated.

In a few words:

In-patient coverage includes expenses incurred after admission to a private hospital for one or more nights. A basic medical health insurance plan would cover in-patient treatment, and adding out-patient coverage to that plan would make your health and medical insurance more comprehensive.

Quick answer:

Out-patient coverage includes any expenses incurred when you receive medical treatment or consultations that do not require you to stay in the hospital. Out-patient coverage is sometimes not included with medical health insurance.

Simply put:

Day-patient coverage includes expenses incurred when you go to the hospital for treatment or investigations, but are not required to stay overnight. Medical health insurance plans will more often than not treat day-patient care, but you should be sure to check the details of your plan.

On short:

Moratorium cover excludes all previous private health insurance for pre-existing conditions. You are not required to provide any medical history, but the insurer may not cover for any medical condition suffered before your insurance plan starts.

Very important:

It is essential that you provide your broker with all the details of your particular medical history so that they can advise you on the plan that best suits your specific needs and budget. Providing this information to your medical health insurance provider before taking out cover is essential to avoid rejection or any problems in case of any future claims.

Seek advice.

Most insurers will send a client pack containing the information necessary to make a medical health insurance claim. In many cases, you should seek advice before undergoing any treatment and incurring any costs.

If in doubt, always call the insurer's helpline before committing to any costs.

It depends!

It normally takes around five to 10 working days from the date the medical health insurance provider receives all the necessary documents.

Usually, yes.

Most policies will allow you to choose where you receive your private health cover. This allows you to plan the birth your way and you can make informed decisions about the hospital you choose.

Yes, they do.

We can advise you on policies for international medical health insurance that cover pregnancy. However, some plans require a period of eligibility before the benefits are paid

Depends...

Some plans will cover any private health insurance pre-existing conditions, subject to the acceptance by the underwriter. We can help you with this.

In short:

Private health insurance for pre-existing conditions is when a medical issue has been diagnosed or requires treatment before applying for the health insurance plan. This also includes any related symptoms and conditions controlled with medication, such as high blood pressure. Some insurers will consist of these conditions in their products with an additional premium if accepted.

How long does it take to receive a quote?

A broker will typically contact you within 24-48 business hours with your personalised quote. Response times may vary depending on your time zone and the complexity of your situation.

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