Mondassur offers 10 tips for choosing the right expat insurance. You can also get an online quote for a expat health insurance. Why get insurance abroad? How much does international health insurance cost? How do you choose the right plan from the wide range of options available to expatriates? You can get a free, instant quote online.
- Your personal and family health needs determine the level of coverage you should choose.
- The cost of medical care in the country where you are living abroad determines the amount of coverage you need.
- The choice between “from the first euro” coverage and CFE supplemental insurance depends on your status and your relationship with the French social security system.
- You should carefully review the policy’s coverage limits, deductibles, and exclusions before signing.
- The insurer’s responsiveness and the simplicity of the reimbursement process make all the difference in everyday life.
1. Take stock of your health needs
Are you traveling alone or with your family? Do you wear glasses, or do you often need dental care? Do you regularly use alternative medicine? Take the time to assess your needs to determine which type of coverage is right for you. Depending on your needs, you can choose whether or not to add optional coverage to your international health insurance plan.
2. Consider the quality and cost of healthcare in the host country
The characteristics of the country where you are living as an expatriate or residing—including whether you are on a local contract—will determine the type of expatriate insurance you should choose. Two factors are particularly important:
- The quality of the health system and medical care provided
- The cost of medical care in your host country
3. Choose the right type of cover
A supplemental expatriate insurance plan through the CFE is intended for French citizens enrolled in the Caisse des Français de l’Étranger, whereas expat insurance covering claims from the first euro provides coverage directly, without going through the French social security system. Coverage may be limited to hospitalization only, or it may include all healthcare costs—with or without maternity coverage—as well as dental and vision care: your situation and budget will help you make the right choice. To learn more about this distinction, see our guide on difference between CFE supplemental insurance and “first-euro” coverage.
4. Find out about reimbursement terms
How long does it take to be reimbursed for your medical expenses abroad? How do you file a claim? What steps can you take online? Make sure you’re well-informed. A good international health insurance plan allows you to submit your reimbursement claims online and receive direct coverage during a hospital stay.
5. Choosing the right optional cover
Expat insurance is often customizable. In addition to medical expenses and repatriation assistance, you can add various types of coverage, such as compensation for lost wages, personal liability coverage, and death benefits.
6. Check the amount of any deductibles and ceilings
There are annual caps on health care coverage, sometimes supplemented by per-procedure caps. The amount of any deductibles should also be factored into your decision. Carefully compare insurance plans to avoid surprises: some deductibles, also known as “excesses,” can sometimes amount to several thousand euros.
7. Choose an insurer that's easy to contact
If you encounter a problem while abroad, it’s essential to contact your insurance company’s assistance service as soon as possible. You should also be able to reach a knowledgeable advisor at any time who can explain how your insurance works and what it covers. Before you sign up, Mondassur reviews offer a concrete overview of your future insurer’s responsiveness and the quality of its customer service.
8. Check country coverage
In which countries does your health insurance provide coverage? Will you be covered if you return to your home country to visit your family? Or during a trip to another country?
9. Identify the services included in the expatriate insurance policy
Your insurance policy should make it easy for you to get reimbursed and offer beneficial services:
- Direct Billing
- Direct Payment of Hospitalization Costs
- Repatriation Insurance (to learn more: Repatriation insurance: How does it work?)
- And other services as specified in the contracts
10. Find out about contract exclusions
Some medical conditions are never covered by international health insurance. Review this list of exclusions before signing your policy.
For over 20 years, Mondassur has been offering international health insurance plans with coverage that can be tailored to your specific needs. Our advisors are here to answer all your questions and help you choose the international health insurance plan that’s right for you, anywhere in the world.
Ask for a free quote!