What Is International Health Insurance?

International medical insurance covers emergency and routine healthcare for those who live, study or work abroad for a longer period of time (usually over one year). You have access to private healthcare in the country you reside. Individuals and families can get international health insurance. Companies also have the option to offer health coverage to their employees abroad.

Most international medical insurance covers you for the following:

• If you are admitted to hospital, medical treatment can be provided for acute conditions (either inpatient or day-patient).
• Treatment for cancer
• If a relative is seriously ill while abroad, an emergency visit will be made
• MRI, CT, and PET scans
• Surgery that is not performed in a hospital
• Repatriation
• Emergency dental treatment requiring hospital admission

This is the coverage we offer in all Freedom Health Insurance Worldwide plans. Other levels of coverage are also available. You should understand the terms of international medical insurance policies. They may differ from one provider to another.

What are the advantages of international medical insurance?

International medical insurance removes the guesswork from foreign healthcare costs

There are many ways to access public healthcare. The costs and how they work vary from one country to the next. While some countries offer free healthcare, others may require you to pay a portion or all of the costs of any treatment. Foreign nationals may not automatically have free access to public healthcare in their new country.

International medical insurance gives you the assurance that all eligible private hospital bills will be covered. This allows you to focus on the important things, your health. Your international insurance policy can also cover transportation costs and repatriation in an emergency. Learn more about our International medical insurance plans.

International medical coverage covers your healthcare no matter where you are

International medical insurance covers you wherever you go. It is available in all countries and usually does not limit you to one country. You can select a region of the world where you want to be covered, such as Europe, or worldwide. There are many international insurance policies. It is unlikely that your international medical insurance policy will cover you if you travel overseas to receive medical treatment.

International medical insurance offers you the option

International medical insurance offers flexibility in your healthcare. It is possible to choose the doctor that you wish to see, the type and location of your treatment, and even the hospital where you would like to be treated. Many comprehensive insurance plans offer the ability to travel to your home country or another country where you have spent a lot of time, if you so desire.

Additional coverage may be available with your international medical insurance.

Most international medical insurance policies now cover medical evacuation and return to your home country if you are unable to be treated in your home country. You may also be eligible for maternity coverage, optical and dental cover. In exchange for a higher premium, you may be able increase the coverage of existing benefits.

It's important to note that international medical insurance benefits can differ between providers. Therefore, it is worth taking the time to compare policies and find one that suits your needs.

Who has international medical insurance?

An international medical insurance plan, although not usually mandatory, can be a great way for expats to navigate the local healthcare system and know they are covered in case of illness or injury while abroad. You can take international medical insurance by:

• Families and individuals can move permanently overseas.
• Individuals who want to retire abroad
• Individuals who study, volunteer, or work overseas for a specific period of time.
• Remote workers,
• Multinational employers
• Frequent business travelers
• Global businesses and groups

What's the difference between travel and international medical insurance?

If you are living abroad for more than one year, international medical insurance provides long-term protection. It usually covers your routine and emergency healthcare costs as well as medical treatment costs. Travel insurance, on the other hand is a shorter-term insurance plan that covers only medical emergencies or accidents while you are abroad for less than one year. It also includes non-medical benefits like cancellations or cover for lost luggage. You can't wait to return to the UK to get medical treatment. Travel insurance will not cover these costs.

What is the cost of international medical insurance?

• International medical insurance costs can vary widely depending on several factors. It is generally more costly than UK health insurance plans. When calculating your insurance premium, the following are some of the most important factors that insurance companies consider:
• The age of those covered. The premium for any type of insurance, including international medical, is higher if you are older.
• You are moving to a country that is more expensive. If you move to a country where healthcare is more expensive, your premium will be higher.
• Your medical history. While some companies might offer international coverage for pre-existing conditions such as cancer, this could make your premium more costly.
• The amount of coverage. The premium will be higher if you select more options and have higher levels of coverage.

What is international health insurance?

International health insurance policies can cover you for up to a year. You have the option to pay monthly or annually for your policy.

You can file a claim with the insurance company if you are injured or become ill. This will cover your healthcare costs. You may have to pay an excess for your treatment in some cases. This will depend on the policy you have and your insurer.

How to obtain international health insurance

International medical insurance is a specialty product that can be purchased directly from a provider of health insurance or indirectly through a broker. Brokers offer advice and support to their clients when setting up and choosing their policy.

Most cases, you can purchase international medical insurance online or by phone. Get a free quote for Freedom Worldwide international medical insurance today. There is no obligation and you have great flexibility in deciding what coverage you want.