We take the hassle out of health insurance: these two health insurance companies provide international medical and dental insurance for expats across the globe. Get the best health insurance quotes overseas in just minutes and check out our list of FAQs to select the optimal health coverage plan for you.
Health insurance quotes for expats
The Munich-headquartered financial services company offers international health insurance plans for expatriate students, professionals, couples, and families. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental consultations, maternity, surgery, and outpatient fees.
The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customized to coverage and cost requirements and customers can pick from three coverage levels, modular plans, and several cost-share options.
Healthcare overseas for expats
What do I need to receive healthcare abroad?
In most countries, you will need to be registered for health insurance in order to access medical services. Many places have a public healthcare service that residents pay for through monthly public health insurance contributions deducted from their wages. This normally operates alongside private healthcare services that you can pay for with private health insurance.
Do I need private health insurance abroad?
If you are a resident overseas who pays public health insurance, you may be entitled to public healthcare. However, many expats choose to take out private health insurance so that they can access a wider range of services. Some countries only offer private healthcare, meaning that you will need to purchase a private policy unless you want to pay full treatment costs.
FAQ: Health insurance abroad
If you take out a private health coverage policy abroad, be sure to do your research, shop around and choose a package that meets your particular needs. Most insurers offer a range of packages at varying costs.
Besides comparing prices, questions you might want to ask potential insurers include:
1. Does the package cover family members?
Unlike public health insurance which often extends to all dependent family members, private policies typically only cover the individual taking out the policy. However, you can normally purchase extended family coverage as an extra.
2. Are there any restrictions, limitations or exclusions on the policy, e.g., relating to age or pre-existing conditions?
With public health insurance, everyone usually pays a set contribution from their wages and accesses the same services. In contrast, private policies are usually risk-based and you may pay a higher premium if you have certain medical conditions or engage in certain lifestyle choices such as smoking. Check for exclusions and opt for any add-ons if needed.
3. What’s a coverage gap and could I be affected?
A coverage gap is the period between the healthcare coverage in your old country ending and the coverage in your new home starting. With international private medical insurance, you can set up your policy in advance of your move to avoid any coverage gap.
4. Do I have medical insurance coverage while I travel?
If you frequently travel abroad, it’s worth taking out a policy that covers you for medical emergencies and treatment in other countries. An international expat-friendly policy will offer global coverage at a good price.
5. What treatments are covered?
Public health insurance coverage doesn’t always include all medical treatments. Common exclusions are dental care, psychotherapy and complementary treatments. You can tailor private policies to include everything you need, including alternative treatments.
6. How straightforward is the process for making a claim?
Will you have to pay upfront and claim or reimbursement or will you insurer deal directly with the healthcare provider? If you need to pay and claim back, how easy is the process and how long are you likely to wait before reimbursement? These are questions you should ask before committing to a policy.