Any American living outside US would understand the significance of having an international health insurance. There are many advantages of international health insurance over travel insurance. It also provides all the benefits of any domestic health insurance. The domestic health insurance policies would never cover you outside the USA. The domestic companies find it difficult to provide the cover outside US as they have no networks there. Also, they find it a tedious task to assess your premiums from your new location. It is also difficult for them to bear the claims from such remote locations. Many times an individual living in a particular country may not be allowed to avail an insurance policy, for the government allows only its citizens and permanent residents to avail the same. In such cases, the domestic health insurance policy will not serve you any good at all.
In contrast, the international health insurance policies have a lot of scope outside US. In fact, there are no geographical restrictions to these companies. A lot of international insurance companies may also provide you cover in US, apart from providing cover internationally. However, this is only possible if you do not wish to shift back to US on permanent basis. People who frequently travel overseas, for business or any other reason can benefit heavily from this policy. Also, employees traveling world wide for their client side work can make use of this policy. If you belong to any of these categories, you must not ignore international health insurance policies.
These international policies can easily be renewed annually. This indicates you have coverage for the whole year. Furthermore, you can also claim after the expiry of the policy period. Your premium amounts may increase annually, but the coverage will still remain the same; even though you made a number of claims in the previous year.
The eligibility criteria for an international health insurance are to have a residence at a foreign location. Furthermore, you need to be living in that residence. There is no harm in applying for the policy in advance. However, you will only be covered once you have shifted to the location.
You need not be a resident of any country to be able to apply for a policy there. International policies can be applied for from any location in the world. A number of companies provide policies to the individuals who belong to a different country to where they are currently residing at. The coverage amount and the premium entirely depend upon the company you buy the policy from.
International policies provide all the facilities that a domestic policy does. It is at par with the domestic policy, but the scope is global. All aspects such as doctor?s visits, emergency room visits, hospitalization, ambulance service, prescription drug coverage, and preventive health care and maternity benefits are covered in the policy.
If you have no scope of traveling overseas, you do not really need an international insurance. However, if you are a regular international traveler, you must apply for an international health cover immediately.
In contrast, the international health insurance policies have a lot of scope outside US. In fact, there are no geographical restrictions to these companies. A lot of international insurance companies may also provide you cover in US, apart from providing cover internationally. However, this is only possible if you do not wish to shift back to US on permanent basis. People who frequently travel overseas, for business or any other reason can benefit heavily from this policy. Also, employees traveling world wide for their client side work can make use of this policy. If you belong to any of these categories, you must not ignore international health insurance policies.
These international policies can easily be renewed annually. This indicates you have coverage for the whole year. Furthermore, you can also claim after the expiry of the policy period. Your premium amounts may increase annually, but the coverage will still remain the same; even though you made a number of claims in the previous year.
The eligibility criteria for an international health insurance are to have a residence at a foreign location. Furthermore, you need to be living in that residence. There is no harm in applying for the policy in advance. However, you will only be covered once you have shifted to the location.
You need not be a resident of any country to be able to apply for a policy there. International policies can be applied for from any location in the world. A number of companies provide policies to the individuals who belong to a different country to where they are currently residing at. The coverage amount and the premium entirely depend upon the company you buy the policy from.
International policies provide all the facilities that a domestic policy does. It is at par with the domestic policy, but the scope is global. All aspects such as doctor?s visits, emergency room visits, hospitalization, ambulance service, prescription drug coverage, and preventive health care and maternity benefits are covered in the policy.
If you have no scope of traveling overseas, you do not really need an international insurance. However, if you are a regular international traveler, you must apply for an international health cover immediately.
About the Author:
Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Medical Insurance Options.
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