Worldwide Health Insurance
- Security Anywhere Everywhere
- Global Healthcare Protection
- Maximum Coverages
Global health insurance policy allows you to travel, live, work, or wander anywhere without thinking twice about a medical expense. Here is a table illustrating some of the types of global insurance plans you can buy at a reasonable range:-
Catastrophic health insurance | Specially designed to cover major expenses, such as surgical operations, hospital stays, health screenings, and so on. Comes with higher deductibles but lower premiums, to protect you against unexpectedly odd situations. |
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Expatriate/Expat health insurance | It is a tailored health plan for expatriates who are working and residing abroad for an extended period. This plan typically offers a benefit in medical emergencies, treatment expenses, preventive care, etc. |
Student health insurance | It's often required by an institution/university for international students studying in another country. The plan has a broad coverage range including illnesses, medications, accidents, mental health facilitation for that instance, etc. |
International health insurance | Geared towards an individual or a family who lives and works or travels in multiple countries for an extended period. This plan has comprehensive coverage for medical treatments, hospital stays, routine check-ups, unexpected emergencies and many more. |
Remote work insurance | In an era of remote work culture, it's suitable to have a remote work plan for a digital nomad or individuals working remotely. Allowing them to live a flexible accomodating lifestyle in different locations, has to offer you a lot more of a medical expenditure. |
Retiree health insurance | If you're retired and want to live in a different country while serving your retiring years, then this plan is bliss. It is a great option for those who've decided to move to a foreign country permanently. |
Travel medical insurance | Accurately suitable for short-term travellers, or a tourist, covering their unwanted emergencies in need. It has to offer a benefit with medical treatments, evacuations or any kind of illness/accident that may occur while travelling to another country. |
Without knowing how to opt and what to check for suitable and personalized worldwide health insurance, you can get confused. This table provides you with a clear understanding of what should you check before buying a global health plan:-
Coverage specifics & its limits | Coverage specifics Coverage specifics include- hospitalization, medical/surgical treatments, medication prescriptions, preventive care, check-ups, etc. according to your needs. limits Exclusions or limitations are subject to deductible/copay clauses. Sometimes a certain treatment might not be covered in your plan, so it's better to read your plan's terms & conditions prior. |
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Healthcare providers' network and waiting period | Healthcare providers Go through the list of network hospitals, doctors or clinics, as in-network hospitals may cut off your out-of-pocket medical expenses. Given that the networking facilities must be not too far from your location of residence. waiting period Check if there's a waiting period for pre-existing conditions or some specific treatments because it might affect your plan's coverage widely. |
Geographical coverage and customer support | Geographical coverage Some insurance policies restrict certain regions/countries, so it's better to note whether your region comes under the purchased policy or not. Making sure of your location's coverage may help avoid hefty charges for medical care. Customer support In case of emergencies or assistance, a company should be responsive and helpful to its customers. Research in prior, to whether your insurance provider is reliable enough to help you or not. |
Services in Emergency & Evacuation | Services in Emergency Medical emergencies in such unexpected situations should be covered in your plan so that you can avail of on-the-spot benefits from your policy providers. Evacuation In a case where the patient needs extra care, a plan that allows them to be transported to high-quality facilitation. Or if the customer is stuck in a remote/high-risk destination, this plan specifics can work wonders for them. |
Claim procedures and cancellation policy | Claim procedures You must be aware of filling out the claim forms. Nowadays, you can easily avail a claim online through mobile apps. Make sure to take a query from your policy provider about how long will it take to fulfil a claim or receive a reimbursement. Cancellation policy If you need to cancel your policy somehow before the policy term ends, it's advisable to know your policy's cancellation terms and rules associated with it. |
Before buying a global healthcare policy, it's mandatory to know your why! And why should you choose a policy that takes a lot of effort to research? Even when you're not in your country but somewhere else, staying safe is important. We've tailored you a common checkbox that's considerable before hopping on a policy purchase.
Having a backup in advance and travelling the world is an adventure in itself. Medical support can help you avoid several unexpected or unwanted risks, that's where a worldwide healthcare policy comes into play. Here is a list of things you can consider before purchasing global healthcare insurance:-
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
