Getting International Health Insurance? Consider This Point
International health insurance is one of the insurance products that is increasingly in demand by people in the current era of globalization. In this article, we will discuss some of the things to consider when you decide to get international health insurance.
Types of International Health Insurance
First of all, you should know what types of international health insurance are available. There are two main types: travel health insurance and global health insurance. Travel health insurance usually offers coverage for injuries or illnesses that occur during short-term overseas trips. Meanwhile, global health insurance is more suitable for those who live or work abroad for a long time.
1. Age restriction
Second, make sure you know the age limit imposed by the insurance company. Some companies may not offer international health insurance for people over the age of 65 or even below. There are also insurance companies that provide certain age limits for certain age groups, such as children or young adults.
2. Protection Range
Third, make sure you know the range of protection offered by international health insurance. Some insurance companies offer coverage against injury or illness worldwide, while others only offer coverage in a limited number of countries. Make sure you choose an insurance company that offers a range of protection that suits your needs.
3. Premium Fee
Fourth, consider the cost of the premium you have to pay. Premiums for international health insurance are usually more expensive than local health insurance. However, these costs are commensurate with the benefits that you will get. Make sure you choose an insurance company that offers premium fees that are reasonable and according to your needs and budget.
4. Exceptions and Conditions
Fifth, make sure you carefully read the exclusions and conditions that apply to the insurance policy. Some insurance companies may have certain exclusions related to certain diseases, accidents or certain activities. So, make sure you choose an insurance company that has exclusions and conditions that suit your needs.
5. Customer service
Finally, make sure you choose an insurance company that has good and responsive customer service. Because international health insurance involves many different languages and cultures, responsive and professional customer service can help ease the claims process and resolve any problems that may occur while traveling or living abroad.
In choosing an international health insurance company, be sure to read reviews and testimonials from customers who have used the service. This can give an idea of the quality of service and customer service from the insurance company.
In conclusion, choosing international health insurance can help protect the health of you and your family when you are abroad for an extended period of time or only on a short trip. However, before deciding to buy international health insurance, be sure to consider the type of insurance that suits your needs, age limit, coverage range, premium fees, exclusions and conditions that apply, as well as good and responsive customer service. By considering these things, you can choose the right international health insurance company for you and your family.
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