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Expat Health Insurance: How to piece together the cover you need

07 April, 2015 08:30  EasyExpat EasyExpat

Article sponsored by Cigna

Cigna - World in hands

Key Things to Look for in an Expat Health Insurance Policy

Month on month, year on year, we’re seeing more and more people packing their bags and heading for pastures new; but how many of them think about health insurance before they set off?

Becoming an expat isn’t easy, but organising the right health insurance for you and your family can be. Like many things in life, it’s all about knowing what you’re looking for.

Here at Cigna Global, we firmly believe our individual private medical insurance policies can help to meet your needs, simply by giving you with the very best we have to offer, and allowing you to tailor your policy to meet your needs.

If you’re an expat, or planning to become one, here are a few key aspects you may want to consider for when you’re choosing a health insurance policy:

Main Policy Flexibility? - Some insurers provide only a standard policy, with set limits, and standardised benefits. This generalised approach to health cover appeals to some, but we at Cigna Global opt for a tiered policy structure, allowing more people to get what they want. You can choose between our 3 distinct levels of cover: Silver, Gold, and Platinum. Each level of cover has different features and benefit limits, full details of which can be found here.

Unusual or Unique benefits?Every insurer will do things a little differently. Standard benefits you can expect to see on an International Medical Insurance policy include inpatient, day patient, and accommodation costs; but everything else can differ by supplier. At Cigna Global for example, we provide full cancer cover on all policies, as well as psychiatric care, and much more. Our Gold and Platinum plans also provide maternity care.

Local Operator or Global Network?Healthcare providers come in all sizes. While some people may prefer a smaller, local solution, we find that our customers are positive about the large scale support network we have. Currently, Cigna Global has a medical network of over 1 million medical professionals, with live policies in over 190 countries, and 24/7 customer support.

Fully Medically Underwritten?You may find that every supplier does things a little differently when it comes to how and when they underwrite your policy. While some health insurance providers make assumptions, and others underwrite at the point of claiming, we at Cigna Global put all of our customers through a full medical underwriting questionnaire, covering off all aspects of their health. This ensures there are no nasty surprises if and when it comes to making a claim. Our medical underwriting process provides full clarity and transparency on the implications of medical conditions.

Ensuring that you’re happy with your health insurance policy can be a huge weight off your mind, especially for expats in unfamiliar territory. It’s all about having your own individual needs met, and knowing that your and your loved ones will be in the best of care, should the worst happen.  If you’re looking for individual private medical insurance, then we’d love to provide a solution for you.

Feel free to get an online quote from Cigna here.

Author: Jonathan Connelly


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