expatriate Medical insurance
medical life disability insurance
Questions for an international medical insurance policy for expatraites.
Customer Services
- Is the service center open 24/7/365?
- What language Services are available to members?
- Does the provider offer a Referrel Service to Hosptials, Doctors, Clinics and Dentist worldwide?
- Do you offer direct payment to providers worldwide?
Claims
- How are claims accepted?
- What are your reimbursement options?
- what are your currency options?
Internet
- What services are available on a secure members website?
Networks
- How many Doctors, Hospitals, Clinics and Dentist are in the International Network?
- How big is the network in the USA? expat medical insurance
Additional issues to consider
What type of coverage do you neeed?
Comphrehensive
Full Coverage
Limited
Financial Issues
Lifetime Maximums
Annual Limits
Deductibles
Out-of-Pocket
Co-Insurance
Policy Issues
Pre-Existing Conditions
Pre-Authorizations
Waiting Periods
Renewals
Portability
Benefits overview
In-Patient
Hosptial Fees, Surgical Fees, Physician & Nursing Fees, Tests & Drugs. expatriate insurance expat medical insurance
out-patient
Physician Services & Tests, Routine Adult & Child Wellness, Prescription Drugs
Key coverages
Maternity Benefits - Complicated & Routine
Rehabilitation Services - What services are inlcuded?
Cancer Treatment - Is this full coverage, limited or no coverage?
Transplant Services - Is this covered?
What medical facilities are available to you under this insurance policy?
Dental Insurance
Is this option available to members? Built into the policy or as a rider?
Medical evacuation Insurance
Is this inlcuded? What does it cover?
International Medical insuranace partners
