Expat insurance expatriate 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 expatriate insurance

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? expatriate insurance

Dental Insurance

Is this option available to members? Buiilt into the policy or as a rider?

Medical evacuation Insurance

Is this inlcuded? What does it cover?