Your health is of paramount importance. It is something a lot of people take for granted. We have a tendency to assume that because we are healthy nothing will happen to us. Unfortunately, it doesn’t work like that. Anyone can experience an illness or an injury and without international medical insurance in place, the suffering can be a lot greater than the damage to your health. You could find yourself in a grave financial situation, which can, of course, then impact other aspects of your life. In this guide, we are going to take a look at worldwide health insurance, which is popular amongst expats, as well as focusing on maternity benefits when choosing these policies.
Relying on state healthcare is never advised
The truth is that there is a lot to worry about if you are merely depending upon state healthcare systems. Firstly, you have to think about the quality of such healthcare. If you merely rely on the public medical system in your home country, will you benefit from a high standard of care? Will you be seen straight away or will you be put on a long waiting list? Will your treatment be covered by the state? There are lots of countries whereby health care is funded by the state generally, yet this does not mean that you avoid charges altogether.
Many individuals also believe they are covered by the public health care system when they are not. Some countries have made it law for expats to have some form of medical insurance if they are to receive treatment in the country. Moreover, when you go on holiday you need insurance as well. There are lots of grey areas and unfortunately, if you take a look on the Internet you will see that there is often a lot of conflicting information as well.
Complete pace of mind when at home and traveling
Undoubtedly the best thing to do is take out an international health insurance policy. You will know that you are covered in your home country and any other destination you decide to visit. If you move to another country you know you will have your medical care covered as well. You won’t have to rely on the state, which may provide a poor level of health care, or may refuse to cover you altogether.
Without global medical insurance, you could find yourself facing extortionate fees, which could lead to you being indebted to friends and family, or even worse, banks and lenders. You could be paying off your debts for years and years to come. It’s certainly not worth the risk. Have peace of mind and access to the best quality care with worldwide health insurance.
Are you planning to start a family in your new location?
International health insurance plans present a high level of cover for expats. You have the option of dental care, vaccinations, optical care, maternity care and more. Maternity care is one of the main reasons why people seek comprehensive cover. Nevertheless, it is not as straightforward as falling pregnant and then acquiring a global medical insurance policy with maternity cover! Unfortunately, it doesn’t work like this. In this section, we have put together a quick guide to present you with all of the information you need to know.
The best thing to do is acquire international medical insurance before you fall pregnant. If you are planning on starting a family you will need to acquire your policy before you conceive. This is because pregnancy is classed as a pre-existing condition. Therefore, if you fall pregnant and then try to acquire a global health insurance policy you will find it extremely difficult to locate a company that is willing to insure you. With maternity cover, insurers typically make you wait for eight to ten months before you can make a claim. So, you will want to keep on using contraception methods until you have been insured. Otherwise, you may find yourself unable to claim for any type of maternity care on your insurance.
In addition to this, it is also worth noting that most worldwide health insurance companies will not cover women that are over the age of 44 years old. They will not provide maternity cover since there is a higher risk of possible birth defects and complications over this age. In regards to pregnancy complications, some insurers will include this in an intermediate policy cover, as a type of outpatient care. However, there are others that will put complications as part of your maternity cover, meaning you will need a high cover policy. This highlights why it is so important to read your policy details in full before committing to anything.
You also need to check your policy for the likes of newborn care and congenital defects. In regards to the latter, not all international health insurance companies cover this. Some companies will cover defects partially, i.e. by stating a time limit, meaning they will cover up to a certain number of days of stay in a hospital. Nevertheless, there are insurers that will cover congenital defects completely. Most policies will cover standard tests, doctor visits, and newborn care. However, this is something you will need to check in order to be sure.
Hopefully, you now have a better understanding of maternity insurance cover for expats. As stated, every policy differs and so it is imperative to read yours in full before accepting the terms.