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Frequently Asked Questions

  • What is in-patient coverage?

    In-patient cover involves expenses that arise from a condition that requires hospitalization. In-patient fees are always covered as they are the most basic level of coverage any plan offers. If you wish to read more about in-patient cover you can consult this article.

  • What is out-patient coverage?

    Out-patient cover concerns any fees induced by receiving treatment by a number of medical professionals that does not require hospitalization. Depending on the plan, the cover will generally apply to a wide range of medical practitioners. If you wish to read more about out-patient cover, click here.

  • Can I modify my level of coverage at any time?

    Usually the answer is no. You have to wait until the end of your one year contract to modify your cover.

  • Why choose an international health insurance over a local one?

    We strongly advise an international health plan as it provides specific and extensive cover for expats. If you want to read a detailed comparison of local and international health plans you can consult this article.

  • Can I choose my payment frequency?

    Most of the time, the insurer will let you choose between a monthly, quarterly, semi-annual or annual payment. It is important to note that the price of the premium will lower as you choose less frequent payments (eg. annual rather than monthly).

  • What is the minimum duration of an international health insurance plan?

    All the insurers offer a renewable duration of 12 months.

  • In which country does my cover apply?

    That depends on the area of cover you have chosen while purchasing your plan. Most insurers will offer you the choice between a worldwide cover and a worldwide cover excluding the USA. Also a few insurers divide the world in multiple zones, each zone being an eligible area of cover.

  • What are “sub-plans”?

    Sub-plans can be described as some kind of health insurance optional perk that completes your cover. A sub-plan will cover or improve cover for a very specific type of medical conditions. For example you will often have sub plans linked to dental cover or maternity cover.

  • Do plans cover for pregnancy?

    It varies from plan to plan. Most plans offer only a cover for emergency cases but not for routine pregnancy expenses. In this case it is of course possible to complete your cover with a sub plan. If you wish to read more about pregnancy cover you can visit our maternity section.

  • Do plans cover pre-existing conditions?

    Clearly the cover of pre-existing condition could be the main discussion you will have with your insurance provider while purchasing your plan. Almost no plans cover systematically pre-existing conditions. That kind of cover comes mainly as an agreement with the insurance company. If you wish to read more about pre-existing conditions you can consult this article.

  • Do plans cover dental treatment?

    It changes from plan to plan. Most plans offer only a cover for emergency cases such as accidental damage to teeth but not for routine dental expenses. In this case it is of course possible to complete your cover with a sub-plan. If you wish to read more about dental treatment cover you can consult our dental care page.

  • What does a “waiting period” mean?

    A waiting period is a length of time during which you will have to take full charge of your medical fees. These limitations only apply to very specific benefits such as pregnancy benefits or pre-existing condition cover. When these waiting periods apply it will of course be specified in our benefit tables.

  • Do plans cover chronic conditions?

    Getting cover for a pre-existing chronic condition can be difficult. In the case where the condition arises after the purchase of the plan, there will often be an annual maximum limit of medical fees that can be reimbursed. If you wish to read more about chronic conditions you can consult this article.

  • If I go home, will my policy continue?

    First of all, it depends if your home country is located inside of your area of cover. In any case to benefit from an international health insurance you have to be outside of your home country for at least 6 months and 1 day. Although, if your home country is in your area of cover and you spend less than half of the year there, than your cover applies.

  • Will my plan cover me for sport accidents?

    There are two main categories of typically un-covered sports. The first are the sports considered as hazardous such as base or bungee jumping or more generally any sports involving motors, water and parachutes. The second category concerns professional sports, which are never covered without a previous agreement between the insured and the company. However you most likely will be covered for any injuries while playing more conventional sports for leisure. 

  • What is evacuation and repatriation cover?

    Evacuation and repatriation benefits could allow you to travel expense-free to reach areas with a higher standard of medical excellence. It may also allow you to rejoin with your family in times of grief or life-threatening sickness. Depending on the plan, these benefits can also provide emergency evacuation in case of physical danger caused by natural disasters or human turmoil. If you wish to read more about evacuation cover, click here.

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