Overseas health insurance from AXA

    • Relocating overseas intro image  

       Deciding to move abroad could be one of the most exciting decisions you make in your life. But along with that excitement also comes the daunting task of making sure your health is properly covered. Kevin Melton, Sales Director at AXA PPP International, gives some tips on what to look for when buying an international health insurance policy.

      For some expats, international health insurance is popular because it gives the option to get treatment back in the UK in familiar surroundings using a language they understand. For others it gives peace of mind that they have access to the treatment they need in their adopted country. It’s an incredibly important decision, so what are some of the essentials you should look for in a plan?

      Will the provider settle claims directly with the hospital?

      Avoiding payment up front is particularly important for expatriates who don’t want to be left out-of-pocket after their medical treatment. Larger providers such as AXA PPP International will have negotiated agreements with hospitals worldwide to offer direct settlement for eligible treatment.

      Get me out of here!

      Sometimes in the event of sudden illness or injury be it in your new home country or while travelling, you may find that you can’t get the medical treatment required locally. This service should include access to a 24-hour telephone helpline which provides air ambulances or other transport for evacuation to appropriate medical facilities or, if necessary, repatriation. Check whether this is included in the policy, or whether you will need to pay extra for the benefit.

      The age factor?

      Be careful to ensure that there are no age restrictions – for instance, some providers won’t accept applicants who are over 65 years old. In the majority of cases, you’ll find that subscriptions increase with age, either on an annual basis, or in five year age bands.

      What’s not included?

      Make sure you understand what is not covered under each policy option. All health insurance policies have some exclusions and they should state what is and isn’t covered under each of their healthcare options. If you have a chronic condition such has diabetes, check with the insurer exactly what you’re entitled to claim for under the policy. Some insurers don’t cover for the upkeep or flare ups caused by chronic conditions.

      Can you manage your premium with an excess?

      We all know that health insurance doesn’t come cheap. But there are options to help reduce the cost. Excesses are an excellent way of doing just that, and most insurers offer a range to best suit your needs. Buying international health insurance can be a complex process but armed with the right questions, you can ensure you and your family are covered by the best policy for your needs.

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