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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?
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
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.
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.
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.
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.
*Lines are open Monday to Friday, 8am-5pm(UK time).
Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.
AXA ICAS International
AXA PPP healthcare