What expat health insurance options are out there? Social Security can be a good one, especially when combined with a supplementary policy. <\/p>\n\n\n\n
But since this public choice is not always available, a great alternative would be to get in touch with a private insurance company.<\/p>\n\n\n\n
Here are a few keys to help you find your way around the choice of international health insurance for expatriates.<\/p>\n\n\n\n
Social Security is probably the best-known expat health insurance, but it is not necessarily the most interesting. <\/p>\n\n\n\n
Furthermore, its availability will depend on your home country and where you are moving to.<\/p>\n\n\n\n
Social Security has a rather special status because it’s usually under the supervision of the state. This means that, in most countries, it can’t refuse any membership.<\/p>\n\n\n\n
It does not require the completion of a medical questionnaire. Therefore, it does not apply any additional premium to people suffering from pre-existing conditions such as a serious chronic illness.<\/p>\n\n\n\n
The amount of the reimbursements usually have specific tops and ceilings. They are therefore based on the cost of care in your country of origin.<\/p>\n\n\n\n
However, the cost of care might be higher in many countries. Meaning that your expat health insurance won’t be able to cover the total sum of the medical expenses. <\/p>\n\n\n\n
Some examples of places where medical care is expensive are the United States, Switzerland, or private health facilities in Latin America.<\/p>\n\n\n\n
Social Security is therefore not suitable international health insurance for expatriates living in these countries.<\/p>\n\n\n\n
This is why some private companies offer health insurance solutions that are complementary to Social Security. <\/p>\n\n\n\n
Although they improve reimbursements and sometimes offer additional coverage, these solutions do not facilitate the administrative process, which involves two organizations.<\/p>\n\n\n\n
The so-called “first euro” or “first dollar” insurances are the most common among expatriates. Their quality\/price ratio is their strength.<\/p>\n\n\n\n
Contrary to Social Security supplements, these insurances cover health expenses from the first euro or dollar spent, hence their name. <\/p>\n\n\n\n
Of course, the rate of reimbursement depends on the conditions set out in the insurance contract.<\/p>\n\n\n\n
Thus, with this type of international health insurance for expatriates, you will have only one contact person for your coverage. This makes the process much simpler.<\/p>\n\n\n\n
In addition, most of these expat health insurance plans have partnerships with local medical networks in many countries. <\/p>\n\n\n\n
This allows their policyholders not to have to advance hospitalization fees in particular and to benefit from advantageous rates and very short reimbursement periods.<\/p>\n\n\n\n
They also often offer an application to manage all the procedures and communicate easily with the consultants.<\/p>\n\n\n\n
Finally, they include guarantees adapted to the expatriate condition, such as repatriation insurance, which allows you to be treated in your country in case of illness or serious accident.<\/p>\n","protected":false},"excerpt":{"rendered":"
What expat health insurance options are out there? The Social Security can be a good one, specially when combined with a supplementary policy. But since this public choice is not always available, a great alternative would be to get in touch with a private insurance company.<\/p>\n","protected":false},"author":5,"featured_media":6417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[200,203],"tags":[],"acf":[],"yoast_head":"\n