International HEALTH INSURANCE
International health insurance is a private insurance policy that covers medical care provided outside of your home country.
Depending on the insurer and the policy, the coverage and terms of such insurance can vary substantially.
When do I need International Health Cover?
If you plan to live and/or work overseas, you should consider purchasing international health insurance.
- Travelling for an extended amount of time (in several nations).
- Residing or being domiciled in your home country but earning a living through an employer in another country
- Currently residing in your home country but awaiting a permanent residency visa.
- In the scenarios described above, your national health insurance or travel insurance may be insufficient. It is also possible that your right to national health insurance will lapse.
National basic insurance (perhaps supplemented with travel insurance) only covers urgent treatment abroad during a temporary stay, such as a vacation, short internship, or business trip.
Urgent care is care that cannot wait until you return to your home country, such as if you break your leg while skiing.
How can I take out International Health Insurance?
There are various providers of international health insurance for expats, world travelers or international students.
You can easily request an online quote from us.
You will have to provide some information about yourself, such as:
- Your name, date of birth and contact details
- Who the insurance is intended for (you or your partner/family)
- Where you come from
- Where you are moving to
Expat Insurance offers you International Health Insurance with a special discount of 17.5% on premiums! Get a free quote today and fill out the form below.
What should I pay attention to when taking out International Health Insurance?
There are a number of points to consider when finding the best international health insurance for your situation.
Cover
The most important thing about your international health insurance are the coverage and conditions in the package.
Therefore, pay close attention to what you are insured for, such as:
- Hospital treatment with overnight stay (inpatient care)
- Short treatment in a hospital or clinic, for example an appointment with a gynecologist or dermatologist (outpatient care)
- Oncological care (oncology)
- Care surrounding childbirth and pregnancy (maternity care)
- Dental care
Terms & Conditions
In addition, complete the following five steps to determine the terms and conditions of the insurance:
1. Check (per part) what the maximum coverage you are entitled to is, for example 1,000,000 euros for hospital care.
2. Check whether a deductible applies.
3. Check which types of healthcare providers you can go to, for example government hospitals and private clinics.
4. Also check where the coverage of the international policy is valid, for example only in the country where you live or also abroad.
5. Finally, check what the conditions are for cancellation of the insurer. How long is the insurance valid and what is the notice period?
Premium
The premium for international health insurance is often high. This certainly applies to coverage that is comparable to the coverage of basic insurance in your home country.
Expat Insurance offers you International Health Insurance with a special discount of 17.5% on premiums!
Medical Acceptance
When taking out international health insurance, take possible medical acceptance into account. This means that the insurer may refuse you or charge a higher premium based on:
- Your age
- Your country of origin
- Your current health
- Your medical history
Waiting Period
Some insurers apply a waiting period for certain care. For international health insurance, this sometimes applies to care surrounding pregnancy, for example.
Can I cancel my national health insurance?
If you leave your home country, you can terminate your national health insurance. In fact, in these situations your right to national basic insurance expires:
- If you deregister in your home country and stay abroad for a long time
- If you are going to work abroad for an employer outside your home country
- If you work for a foreign employer (in your home country)
Working abroad for an employer from your home country
If you work abroad for an employer from your home country, you are seconded and generally remain insured through your national social security.
Keep in mind that your medical coverage may not be sufficient. Then consider taking out international health insurance that covers you for medical care in the country where you live.
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