An insurance broker helps clients choose the best international health insurance plan by comparing various options and offering expert advice tailored to the client's needs.

Look for a broker with extensive knowledge of international health insurance, a strong track record and the ability to understand and cater to your specific requirements.

A multilingual broker can facilitate better communication and understanding for clients in their native language, making it easier to navigate complex insurance details and requirements.

While some brokers charge a fee, others earn commissions from insurance providers; always clarify fee structures upfront. Our brokerage earns through commissions from insurance providers, there are no additional fees charged to our clients for our services in finding and recommending international health insurance plans.

Brokers assess your individual needs, budget, and circumstances, then use their knowledge and resources to find policies that best match your requirements.

An insurance broker works independently to serve the client's interests, comparing various options, while an agent typically represents a specific insurance company and sells its products.

Brokers are bound by professional standards and regulations to maintain confidentiality and secure handling of all personal and sensitive client information.

Expect assistance with policy renewals, claims processing, and any adjustments to coverage as your needs or circumstances change.

Yes, brokers are instrumental in clarifying policy details, helping compare various options, and explaining the pros and cons of each to aid decision-making.

Brokers can assist in reassessing your situation and finding more suitable coverage if your personal or professional circumstances change.

You need to sign a brokerage agreement, which outlines the broker's services, and your consent for them to act on your behalf and consent forms for data processing.

International health insurance provides extensive medical coverage for individuals living or working abroad, covering a range of medical services across different countries.

'First euro' insurance in international health insurance is a policy type where coverage begins immediately from the onset of any insured medical event or treatment. This implies that the insurer covers the costs right from the first euro spent, providing immediate financial protection and support for the policyholder's medical expenses without any initial out-of-pocket payments.

It's a contract between an individual and an insurer, detailing the terms of the international health coverage, including benefits, exclusions,  premiums, and the scope of services.

While travel insurance typically covers short-term trips and often focuses on emergencies and trip cancellations, international health insurance provides comprehensive medical coverage for an extended period.

Coverage refers to the range of medical services and situations that the international health insurance policy agrees to fund or reimburse.

Waiting periods are the initial time during which certain benefits  are not available, requiring the policyholder to wait before claiming specific benefits.

Limits in international health insurance indicate the maximum amount the insurer will pay for specific services, a policy year or over the policy duration and per person.

Cover limits are the maximum caps placed on specific types of coverage, like a maximum amount for a particular treatment or service.

These are the absolute maximum that the policy will pay out either annually or over the lifetime of the policy.

Coverage for pre-existing conditions varies by policy; some may exclude them, while others might cover after a waiting period or with increased premiums or exclusions.

A medical questionnaire is a form that applicants fill out, providing health history and current conditions to determine coverage terms and premiums.

The pre-contractual duty of disclosure requires applicants for international health insurance to truthfully reveal all relevant health information. This ensures the insurer can accurately assess risk and set policy terms. Misrepresenting or omitting information can result in a voided contract or denied claims.

A moratorium is a specified period during which coverage for pre-existing conditions is excluded, but it may be included later if no symptoms or treatment occur during this period.

Risk loading refers to an additional cost added to the premium, typically when there is a higher risk associated with covering the insured, often due to medical history.

Exclusions are specific conditions or types of treatment that are not covered by the international health insurance policy.

Yes, many international health insurance plans provide coverage in multiple countries, making them ideal for expatriates or frequent travelers. Additionally, insurance companies often divide the world into zones based on medical costs, tailoring their coverage and premiums to reflect the varying healthcare expenses in different regions.

Geographic scope refers to the geographical area where the insurance coverage is valid and effective. Additionally, insurance companies often divide the world into zones based on medical costs, tailoring their coverage and premiums to reflect the varying healthcare expenses in different regions.

Typical coverage includes hospitalization, outpatient benefits, inpatient benefits such as routine checkups and preventive care and emergency evacuation

Inpatient refers to medical treatment and services received when admitted to a hospital overnight

Outpatient services include medical treatments and consultations that do not require hospital admission.

Dental and vision care are often offered as additional options or higher-tier plans in international health insurance.

Coverage may include routine check-ups, cleanings, fillings, and sometimes more complex procedures like root canals or orthodontics, depending on the plan.

This might include routine eye exams, prescription lenses, and sometimes surgical procedures, contingent on the specific policy.

Yes, international Health Insurance Plans offer the option to add family members, such as a spouse or children, to the policy.

Premiums are based on factors like age, health history, chosen coverage, policy limits, and geographic scope of coverage.

These policies are designed to work globally, providing coverage irrespective of local health systems, though network hospitals and direct billing arrangements may vary.

Yes, some people choose to have both local and international policies for more comprehensive coverage.

It depends on the host country's regulations; in some cases, international insurance is accepted, but in others, local insurance may be mandatory.

Many international policies do cover treatments in the policyholder's home country, but it’s best to check specific policy terms.

Policies can often be adjusted or upgraded to meet changing needs, though this may affect premiums and coverage. 

A deductible is an amount the policyholder must pay out-of-pocket before insurance coverage begins to pay.

A co-pay is a fixed amount the insured pays for a covered service, with the insurance covering the remainder.

A deductible is a set amount paid annually before coverage kicks in, while a co-pay is a fixed amount paid each time a service is used.

Premiums may increase due to factors like age, medical inflation, changes in health status, or overall policy claims within the insurer's pool. Insurance companies review premiums yearly and usually come into effect at your renewal date. 

Renewal refers to the process of extending the policy for another term, usually annually, including potential updates to terms and premiums. 

Applicants typically need to provide personal details, medical history, current health status, and potentially lifestyle-related information like smoking habits or participation in risky activities.

Required documents usually include identification (like a passport) and sometimes detailed medical records

This duty requires applicants to fully and honestly disclose all relevant information, especially regarding their health, to avoid the risk of future claims being denied or the policy being voided.

The processing time can vary, but it generally takes a few days to a few weeks, depending on the complexity of the medical history and the thoroughness of the required checks.

Applicants can apply online through a digital application process provided by the broker, or alternatively, submit a completed PDF form, also available through the broker. If any support is needed or there are questions about the application process, clients are encouraged to contact the broker for assistance and clarification, ensuring a smooth and informed experience.

Applicants can apply online through a digital application process provided by the broker, or alternatively, submit a completed PDF form, also available through the broker. If any support is needed or there are questions about the application process, clients are encouraged to contact the broker for assistance and clarification, ensuring a smooth and informed experience.

A policyholder is the individual or entity who owns the insurance policy, responsible for paying premiums and adhering to policy terms.

The 'insured' refers to the person or persons covered under the health insurance policy, which can include the policyholder, their family members, or employees.

This usually involves completing a detailed medical questionnaire, respecting the pre-contractual duty of disclosure. However, some insurers and policies might require additional medical exams or health checks, particularly in cases of pre-existing conditions or when opting for high coverage limits.

Factors include age, medical history, chosen coverage level, lifestyle choices, and the geographical scope of coverage.

Many policies have waiting periods for certain conditions or treatments, meaning coverage for these won't start immediately after policy inception. These waiting periods commonly apply to services like dental care, maternity care, vision aid, and similar specific treatments, to prevent abuse of the policy for pre-existing or imminent needs.

 Premiums can typically be paid via bank transfer, credit card or direct debit

Premiums for international health insurance can often be paid monthly, quarterly, semi-annually, or annually, depending on the policy and provider. Additionally, choosing different payment frequencies might lead to premium reductions or incur additional charges, with annual payments often being the most cost-effective option.

Some policies have age limits or restrictions based on medical history or pre-existing conditions, varying greatly between insurers. The advantage of working with a broker is that they can help navigate these variations and find an insurer whose policies align with your needs.

Contact your insurance broker to discuss changes; policies can often be modified or canceled, though this may involve fees or policy terms adjustments.

Your international health insurance contract typically begins on the start date specified in the policy agreement, which is agreed upon at the time of policy purchase.

A renewal in international health insurance is the process of extending the policy for an additional term, usually annually, often involving reassessment of terms and premiums.

Coverage generally starts on the effective date specified in your policy, which might be immediately after the start date or after any specified waiting periods.

The duration varies but most international health insurance contracts are structured on an annual basis, with the option to renew each year.

A group contract in international health insurance is designed for a collective, such as employees of a company, offering coverage under a single policy. The company is the policy holder and the employees are the insured people.

In a facultative group contract, members choose to join, whereas in an obligatory group contract, all members of the group are automatically enrolled.

Missing a payment may lead to a grace period for payment, after which the policy could lapse, potentially resulting in loss of coverage.

Adjustments to coverage levels mid-contract depend on the policy terms, with some insurers allowing changes and others requiring you to wait until the renewal period.

Transferring a policy involves understanding the new insurer's terms for accepting transfers, which may include a review of your current policy and medical history. An insurance broker can assist you in navigating this process, ensuring a smooth transition by comparing terms and aligning them with your needs.

General conditions in a policy detail the foundational framework of the contract, establishing the basic structure and guidelines under which the insurance operates. These encompass the core terms and provisions that govern the overall relationship between the insurer and the insured.

Special conditions in an insurance policy specify the details of the chosen coverage, defining aspects unique to that particular insurance product, such as the scope and limits of the coverage provided. The special conditions precedes the General Conditions. 

To file a claim, refer to the claims guide provided by your insurance company, which typically outlines the necessary steps. Claims are usually submitted through email or online portals, where you'll need to complete the required claim form and attach any relevant documentation.

Commonly required documents include the claim form, detailed medical bills, diagnosis reports, and any relevant receipts or proof of medical expenses.

Processing times vary but typically range from a few days to several weeks, depending on the complexity of the claim and the efficiency of the insurer.

Claims can be managed through direct billing, reimbursement methods, or using a reimbursement card provided by the insurer.

This involves paying for medical services out-of-pocket initially and then submitting a claim to the insurance provider for reimbursement of these expenses.

The healthcare provider bills the insurance company directly, so the insured does not have to pay upfront and then seek reimbursement.

A special card issued by some insurers, allowing you to directly pay for healthcare services, which the insurer then settles directly with the provider.

In emergencies, get the necessary treatment first, then inform your insurer as soon as possible. Some policies require immediate notification or within a specific timeframe.

Common reasons include seeking uncovered treatments, incomplete documentation, non-disclosure of pre-existing conditions, or not adhering to policy terms.

Upon receiving a claim denial, it's important to review the reasons provided, check that all documentation is correct and complete, and consider filing an appeal with additional evidence or clarification. In this process, contacting your insurance broker can be beneficial as they can advocate on your behalf and assist in effectively navigating the appeal.

Most international health insurance plans allow you to choose your healthcare provider or hospital, though terms may vary.

A 'network' in international health insurance refers to the group of hospitals, clinics, and healthcare providers that have agreements with the insurance company. Policyholders usually get benefits like direct billing or negotiated rates when using these network providers, simplifying the process and potentially reducing out-of-pocket costs.

Third-Party Administrator (TPA) in international health insurance is an independent organization that manages various aspects of an insurance policy on behalf of the insurer. Their roles typically include claims processing, customer service, network provider management, and sometimes policy underwriting, aiming to streamline operations and enhance the efficiency of insurance services.

International health insurance companies, specialized in navigating the global healthcare landscape, adeptly adjust their claims handling based on the varying medical costs in different countries. This expertise ensures appropriate reimbursement amounts and direct billing agreements are maintained, reflecting the diverse cost structures of healthcare services worldwide.

Yes, many policies include a deductible (the amount you pay before insurance starts to cover) and co-payments (a fixed fee for certain services).

International health insurance providers often offer additional services to enhance their coverage. These can include access to a second medical opinion, which allows policyholders to seek further expert advice on diagnoses or treatment plans. Telemedicine services are also increasingly common, providing remote consultations with healthcare professionals, which is especially beneficial for those living or traveling abroad. Other services might include wellness programs, mental health support, and emergency assistance services, all aimed at providing comprehensive and convenient care for policyholders.

To cancel, you typically need to notify the insurance provider in writing, adhering to any cancellation policies or notice periods specified in your contract.

Insurance contracts are typically structured on an annual basis, and to cancel, clients need to inform both the insurance company and the broker adhering to any cancellation policies or notice periods specified in your contract. 

An insurer might cancel a policy for reasons like non-payment of premiums, fraud, or deliberate misrepresentation of facts during the application.