How Does International Health Insurance Work?

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How does International
Health Insurance
Work?

When you’re visiting a nation without healthcare, and need medical assistance, some of these countries are not obligated to supply you with services. Furthermore, in most nations that offer universal health care, there are no fundamental or recurrent health-care expenses. They will also not pay for your evacuation or assistance in returning home. So without a doubt, international health insurance is a must whether you are travelling or live in another country. But, precisely

  • How does international health insurance work?
  • What is international medical insurance? 

Hopefully, after reading this post, you will have no more reservations.

How Does International Health Insurance Work

What is international health insurance?

International health insurance is a form of insurance that usually covers the insured’s medical expenses for range of benefits, including:

  • Inpatient
  • Outpatient
  • Evacuation & Repatriation
  • Maternity
  • Dental & Vision

International health insurance is intended for those who will be living or working in another country for an extended length of time. It covers both emergency and regular healthcare, and gives expatriates the freedom to choose their doctor and treatment facility, as well as the opportunity to obtain treatment anywhere within their territory of coverage.

When encountering a medical emergency, or even normal medical treatment, in a place where you are unfamiliar with the health system and do not understand the language, international health insurance is a must. 

For more references, you can look at our range of International Health Insurance providers.

 

045 all directions

How does international health insurance work?

Some of you may be fortunate enough to never have to consider health insurance, due to the National Health Plan. However, it may be completely useless while traveling abroad. 

When you go to another country, most typical health insurance plans provide just limited or no coverage. In the event of an accident, it might be difficult to get the necessary medical assistance.

You can guarantee that all of your healthcare bills are covered when living or working abroad by selecting the correct international health insurance. So how does international health insurance work?

When they get sick or injured, policyholders have the ability to pick how and where they get medical treatment, from the hospital where they are treated to the doctor who provides it. 

Many plans also offer access to 24-hour telephone assistance, which provides consumers with peace of mind and assists them with issues and claims as they occur.

There are several levels of coverage available tailored to your demands and budget. For instance, with one of recommended provider – Aetna Insurance Vietnam, they provides four standardized personal insurance plans, as follows:

  • Standard Package: inpatient treatment and emergency evacuation
  • Select Package: inpatient, outpatient, and emergency evacuation services
  • Comprehensive Package: Inpatient, outpatient, yearly health exams, normal dental care, and emergency evacuation are all available.
  • Elite Package: the highest levels for all benefits mentioned above.

Tenzing will always put your requirements first when determining the finest plan package from our selective providers that is right for you. 

 

How does international health insurance work

Requirements for joining an international health insurance plan

There are no specific requirements for joining international health insurance plan in general. However, each provider has their own rules about who they accept to their plans. This includes:

  • Your age
  • Your residence country
  • Your current & past medical history
  • Your BMI

Insurance companies have standard rates which are the rates you see in brochure or if you get health insurance quotes.  However, these rates are not finalized. They’re an indicative rates for someone in that age group. After you submit your application, they will review your health profile and let you know if you are accepted at the standard rates, with special terms or if you’re too risky for their risk acceptance levels. 

 

005 medical report

Are health checks required to sign up?

You normally are not required to do any health checks as part of the standard process to sign up for international health insurance. Healht checks are more commonly associate with life insurance. However, there are situations where that may be required, such as:

  • Over age 65, depending on the provider
  • You declare a medical condition which may require up-to-date medical reports. 
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009 world

How does international health insurance differ from travel insurance?

Travel insurance is exactly that, short-term insurance that covers medical expenses incurred while on vacation or being away for a short period of time. In addition to normal medical benefits, travel insurance also offers a range of specific travel related benefits that don’t normally come with a health insurance plan.

Travel health insurance is acquired from a provider and starts the moment a person departs their native country. Tenzing also advises our travel insurance if you are planning a trip, of any length, overseas. International health insurance is more extensive in terms of healthcare, long-term safety, higher limits and usually has extra benefits.  

Expats may discover that their travel health insurance falls short in some scenarios, especially when you’re trying to renew it from outside your home country.  A very simple question to ask yourself:

“Do you have a specific end date where you’ll go back home?”
  • If yes= travel insurance
  • If no/unsure = health insurance

How Does International Health Insurance Work?

Who is international health insurance appropriate for?

International health insurance is great for foreign employees, digital nomads, and expats working or living alone in a foreign nation. However, depending on your residence country, you may be a local citizen living in your home country and may want to consider an international policy vs. a local policy.  This will depend on any health insurance regulations of your country. 

International health insurance is a wonderful option for anyone seeking insurance coverage that is applicable worldwide and offers more globally friendly options. 

In terms of insurance solutions for businesses, giving comprehensive health insurance to employees (employee benefits), might be beneficial for both the employer and employees. 

 

About Tenzing Pacific Services

We advise our clients on both personal and professional dangers, including health insurance, life insurance and regular savings plan.  Our thorough analysis enables clients to make more educated choices regarding their financial security and safety.

Because of our independence from insurance and financial institutions, we always put our customers’ needs first. Your needs take precedence above anything else.

Still have questions?

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    Patrik Shore Tenzing Pacific Services

    Patrik Shore

    Senior Advisor
    From Sweden & New Zealand
    7 years' insurance experience
    Joined Tenzing in 2019
    Crim Science
    Speaks English and Swedish

    Speciality:
    - Savings Plans
    - Health Insurance
    - Life Insurance