When evaluating expat medical insurance policies, search for plans that are more adjustable, offer the extra benefits you want, have flexible deductible options, meet your annual maximums, and more.
Let’s go over some of the qualities you should look for in a robust US expat insurance plan:
- How large the provider’s network is.
- How soon claims are processed and what additional benefits are provided (e.g. dental, vision, maternity, and repatriation).
- How adjustable is the plan?
- What deductible alternatives do you have?
- If there are any costs in addition to the premiums.
- If direct billing is a possibility.
- What are the annual maximums? Are there pre-approval requirements?
- How much does the plan cost
- If a provider has a reputable history of supplying global healthcare.
- If you can pay claims in your native currency
- If there is a medical professional referral service
- If the advantages are substantial and broad.
- If you will have 24/7 access to help and medical guidance.
You can apply for foreign citizens health insurance directly with the insurance provider or through an intermediary, such as a broker. Each provider may differ slightly, but you may usually choose and pay for an insurance plan online or over the phone.
If you prefer to utilize a broker, you can reach them online or via phone. Brokers will help you in a variety of ways, including comparing plans from different providers until you find the one that is suitable for you and guiding you through the application process from beginning to end.
Here are the stages in applying for medical insurance for foreigners:
- Step 1: Determine your plan, whether on your own or with the assistance of a broker.
- Step 2: Complete the application procedure online or speak with a representative over the phone.
- Step 3: The insurance company may need to ask you several questions to determine your medical history and eligibility.
- Step 4: You may be needed to obtain documents from your existing medical provider to submit to the insurance company.
- Step 5: Once your plan has been approved, your premiums will be determined, and you will begin paying monthly for your coverage.
- Step 6: After a year, you can decide whether to renew the plan or switch to a new one. Your broker can also assist you with this.