Policy Conditions of Expat Insurance

Who, what and where are some of the important questions to ask when reviewing the policy conditions of your Expat Insurance . To be able to understand fully what is covered by your insurance plan is to be prepared for any medical misfortunes that might come your way.

To make this process a bit easier for you, we have prepared a list of key things to look for in the policy conditions of your Expat Insurance plan.

Who is covered? Typically, the person(s) whose name appears on the policy, known as a policy holder is the one(s) that is covered by the insurance company. Some plans allow a newborn baby to be covered for 28 days following their birth, until the receipt of a newborn insurance application. Other plans do not require newborn insurance application and automatically add the baby to the plan.

What is covered? It is very important to read your policy conditions very carefully in order to know what exactly does your insurance plan covers. The policy conditions will list any pre-existing conditions they will exclude, general exclusions, waiting period for treatments such as maternity, dental or psychiatric treatment (if applicable to the particular plan). It will also note if you have either In-patient / Out-patient plan or Inpatient only.

• Some plans cover prescription medicine, while others do not cover any medications at all
• Medical Evacuation: with this option the cost of your transportation and often the transportation of your close family member, as well as accommodations are covered by some Expat insurance plan but not all.

Where are you covered? Each plan comes with a particular area of coverage. For the majority of the insurance plans for expats, this area excludes either North America or United States . The reason for this is very expensive medical treatment and if you are not planning on going to that area, you will find these plans a lot less expensive. Remember, that a lot of insurance plans will cover you outside of your "area of coverage" for up to 28 days and in case of emergencies.

Policy holder is obligated: to contact the insurance company, in writing, in the case of changes to principle residence, any other health insurance, and the death of the insured.

Insurance company has a right to request medical information on the insured from any hospital, physician or doctor that has previously treated the insured.

For any additional information on policy conditions of your Expat insurance plan, call or email one of the expert insurance brokers.