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Information on Choosing International Health Insurance

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Information on Choosing International Health Insurance

Information on Choosing International Health Insurance

If you are currently staying in a foreign country and are a US citizen, you should seriously think about an international health insurance. When you are choosing a particular policy, you are choosing the benefits under international health insurance that you will receive in case of a medical emergency. It will also determine the kind of treatment you receive. A number of companies offer this policy both in the US and abroad. It is an important decision you take when you opt for a particular company to take care of your particular health needs. In this section, we provide you important guidelines on certain things to consider when you are deciding on a company or a policy.

Usually, you have to purchase all international health policies from an administrator. It is the plan administratorís duty to consider your application, collect premiums from you, answer your questions and take care of your claims. He/she will also provide you any other customer related services you may need. For this reason, you should pay particular attention to selecting a plan administrator who is available 24 hours a day. This is very important if you are currently residing in a foreign country. Also make sure that the company you are choosing has a toll free number which you can access from a foreign country. Else, consider whether they accept collect calls from other countries.

Even though most of your communications will be through the plan administrator, any reimbursement for claims may take place through an affiliated insurer. You should look at an insurer who has a stable and secure financial background. You can research your insurerís financial health from independent reports presented by such concerns as A.M Best. It might also be a good idea to go for an insurer who is well known in the country you are currently residing in. Also, you will find that certain companies work together with a network of physicians in particular countries. They also provide referrals for particular doctors in some countries. Before you decide on a particular company or policy, make sure the company has a network of doctors in the country you reside in. if you go to a physician within the network, you can avail of services at discounted rates. This can also result in you paying less for your share of the costs.

When you are dealing with an application for international health insurance, you will be offered a choice of deductibles. You must pay the decided amount of deductibles before you become eligible to receive the benefits under international health insurance. If you go for a higher level of deductibles, your premiums for the policy will be reduced. The deductibles apply for a period of 12 months from the effective date of the start of the policy. In addition to the deductibles you have to pay, you may also have to pay certain coinsurances for medical expenses incurred. For example, you may be expected to pay coinsurances for treatments undertaken in the US or costs incurred while availing maternity services. This could also be included under exclusions in international health insurance. Therefore, it is important for you to become familiar with these provisions.

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