If you’re one of the 4.7m Britons estimated by the Home Office to live overseas then you’ll no doubt be keen to ensure you enjoy first class medical care wherever you are in the world. International, or expatriate health insurance, is designed to deliver just that.
As a leading private health insurance specialist we at Towergate Health & Protection are acutely aware of how standards of care and facilities vary immensely between countries and continents. This means that you – particularly if your work involves cross-border travel – need choose your healthcare policy and provider with care. Our independent and expert advisors can inform you of the different providers and their different strength, advising you, for example, how some offering better health and hospital networks in the United States than Europe, Africa or the Middle East – and vice-versa.
The same goes for the kind of benefits provided which can include day, in and out-patient treatment, specialist medicines, dressings, GP costs, dental care, home-nursing and around-the-clock advice and assistance helplines.
Navigating the various policies and the benefits they provide in particular territories and marrying them up to your particular circumstances requires experience, expertise and thorough market knowledge.
In finding the right international health insurance policy there are things you need to take into account about your own life and circumstances – and then weighing up the pros and cons of the various healthcare policies and providers. In narrowing down the many choices you will face you’ll need think about whether you want or feel you need to benefit from day and out-patient care, or specialist treatments for cancers, heart conditions or mental health issues.
Things you should consider include:
• Do you need cover in one or more territories? This is important because providers operate different hospital networks which may be stronger, or weaker, in particular countries and regions.
• Which benefits are most important to you? Things like optical, dental and physiotherapy treatment may be included with some international medical insurance policies, or you may be able to add particular care options.
• How much are you able to spend? Think carefully about how much you can afford as clearly the higher level of cover, the higher the premium.
With so many international health insurance plans available, and with the standards of medical care facilities varying hugely across the world, it’s important that you carefully select the policy that affords you the best protection at the best price. Your personal Towergate Health & Protection advisor will be pleased to help guide you to your personal solution and provide ongoing support, be that amending your future protection to meet your changing circumstances or helping you should you need claim on your policy.
“As one of the UK’s biggest health insurance intermediaries Towergate Health & Protection can offer you not just those qualities, but a truly personal service designed to guide to the very best international private medical cover. Our expert advisors will work with you to determine the best way to protect your health, taking into account your host country, any travel plans and your medical history – particularly if you have pre-existing medical conditions”.