International Private Medical Insurance for Individuals
Moving to a new country can be a stressful experience, with so many things to organise before you go. One item high on your agenda is likely to be healthcare.
Increasingly, many countries are introducing mandatory healthcare requirements and you are unlikely to be granted a visa unless you have appropriate cover in place. Other countries have no mandatory requirements, but it is still advisable to have appropriate health insurance in place to cover the cost of any emergency and elective (planned) medical treatment you require.
Healthcare in many countries can be very expensive and the cost of medical evacuation can cost tens of thousands of dollars.
At Health Matters we can help find you a plan to meet your individual requirements. Once we understand your needs, we will use our knowledge and experience to recommend the most appropriate cover, normally providing you plans from two insurers to choose from. We will explain to you the different types of medical underwriting and what benefits you will enjoy. We will also explain how the claims process works and the facilities offered by the insurer to make your life easier e.g. An app which allows you to submit outpatient claims electronically.
Once your scheme is set up we will provide you with an account manager, to help with any questions you may have during the year. Prior to your renewal date, we will review your plan, to make certain it still meets your requirements and review the market if required.
Frequently Asked Questions
How do I make a claim?
Most insurers require you to pay for your outpatient treatment and send them a copy of your invoice for reimbursement.
In-patient and day case treatment normally requires pre-authorisation, meaning you need to contact your insurer prior to receiving treatment. This allows them to check that your treatment is eligible for benefit. They will then contact the hospital or clinic to confirm that they will pay for your treatment.
How long does it take an insurer to pay a claim?
International insurers are becoming far more efficient at reimbursing outpatient claims. Several insurers have developed smartphone apps, which allow you to take a copy of your invoice and send it to them electronically. If the claim is eligible, you will be sent payment by bank transfer. The process should take around 10 working days, or less.
What happens if I'm in a remote location with no decent hospital facilities?
You should contact your insurer's helpline and explain the situation. Most international insurers provide cover for medical evacuation and will arrange for you to be transported to the nearest appropriate medical facilities where you can receive your treatment.
What happens if I'm rushed into hospital in an emergency?
In an emergency situation the hospital staff will be keen to speak with your insurer at the earliest opportunity. It is therefore advisable to carry your membership card with you at all times. Once contact has been made with the insurer, the treatment plan can be authorised for payment.