Why choose high-end health international insurance?
Do you hesitate to take out top-of-the-range insurance to cover your medical expenses? high-end health international insurance
In this article, we will provide you with all the information to help you choose the right insurance. The one that is suited to your profile, your expectations, and needs, and that optimally covers your medical expenses.
Reasons to choose high-end insurance.
The main question is choosing between one insurance or another, and it is imperative to choose the one that will cover you the best. During this process, several insurances will be proposed to you, including local policies and international policies. So, which one to choose?
Even if all insurances work the same, two policies with equivalent coverage on paper can offer many surprises to the insured. Some people have experienced large increase when renewing or even canceling the policy due to significant medical expenses during the year of coverage.
It is therefore essential to take out top-of-the-range insurance if you want to keep it for many years.
How to distinguish one high-end insurance from another?
It is quite difficult to differentiate, especially just by reading the plans. It is therefore necessary to analyze several points:
The service
Not all insurances offer the same services.
It is crucial to compare the offers before making a choice. Take the time to learn about the quality of service from each insurer, this is a very good indicator. For example, a 24/7 service, an English service, or a good direct billing network.
It is by considering the inventory of services offered by insurance that you will be able to choose the right contract.
The coverage
What does it cover? A good guarantee must cover certain expenses even considered to be expensive. For example, costs incurred in a country that is not yours.
It can also be, for example, costs for cures, alternative medicine (osteopathy, acupuncture, etc.) or mental well-being.
Good coverage is often a sign of top-of-the-range insurance because it really adapts to the expatriates needs.
The reimbursement
Some guarantees cover special medical expenses. And it should be noted that the expenses incurred in this case are often excessive. This is the example of the costs incurred for dental care (dental implantology or periodontology) and the costs of optics.
It is important to choose insurance that offers a good level of reimbursement for expenses incurred for this specific medical treatment. But beware!
Do not fall into the trap of “too much” high-end dental coverage without a cap with too tempting offers. In practice, they define very restricted reimbursement conditions, which prevents most policyholders from benefiting from advanced reimbursements. Note also that some insurers have no knowledge of the actual medical costs in certain countries of the world and may promise you reimbursements that will not come on the pretext of excessive costs.
Guarantee vs price
Each insurer is free to set the ceiling for its guarantees. But it should be noted, reimbursement levels influence prices.
It is easily understandable that high cover ceilings, or special covers such as maternity, lead to high prices, so be careful with insurances promising very wide coverages at low prices compared to the market. This is often a sign of poor knowledge of the market, and or a call price to raise the price the following year.
How to find this high-end insurance?
The easiest way is of course to compare all the offers one by one, but it is difficult for a no insurance professional and a huge waste of time.
To help you in this process, a broker could help you, it is often the most advantageous solution, because they can give you advice to choose the right insurance. high-end health international insurance
They are indeed professionals always in touch with high-end insurance. They know the coverage and services of each company inside and out. high-end health international insurance
Our team of experts can help you with this process, and help you find the perfect insurance for your needs. At Expatmedicare, we do our best to explain to you how insurance works and help you obtain a suitable policy. If you have any questions regarding this article, please contact us or visit our website.
You can also read our article which lists the qualities of good insurance here.
