Are you an expatriate or a future expatriate and about to take out international health insurance? Wondering what you need to know to choose good expat insurance? Here are some tips to help you choose the international insurance that suits you. Mondassur offers you to get a free online quote to compare different options of international healthcare expat insurance plans.
Learn about the cost of medical care and the health of the country of expatriation
Medical rates from one country to another vary enormously. In Japan or the United States, for example, medical expenses are among the most expensive. It is therefore important to know the level and quality of care provided in the country of expatriation in order to anticipate costs. It is therefore highly recommended that repatriation insurance be available in order to receive care that is often of better quality than in the country of expatriation.
Find the determining factors in your choice of expat insurance
To determine the right health coverage for your profile, you need to know certain notions of insurance and ask yourself the right questions:
- What are the validity of the international health insurance guarantee?
- What are the applicable deductibles? A deductible is a sum that remains your responsibility.
- Do waiting times exist? During this period, ranging from 15 days to a few months, you cannot enforce your guarantees and your care cannot be reimbursed.
- Can you consult the doctor of your choice or do you have to go to a centre recommended by the insurer?
Define your type of health coverage
There are two types of international health insurance: complementary to the CFE (Caisse des Français abroad, “security” for French expatriates) and insurance at the 1st euro.
With the CFE and supplementary insurance, you will have the equivalent of a mandatory plan coverage type Social Security – mutual. The CFE reimburses according to French social security rates. Supplementary health insurance is then essential to cover a large part of the medical costs left to your own.
An insurance company with the 1st euro directly pays for your costs, without involving the CFE.
The choice between one or the other type of insurance depends mainly on your family situation, income, the desired guarantees, or even the country of expatriation.
Choose an insurer that is easily reachable and speaks French
Being able to easily reach your French-speaking insurer will be very useful when the time comes!
At Mondassur, our team of advisors can be reached Monday to Friday from 9am to 6pm without interruption (French time) and we respond very quickly to all your emails. Mondassur advisors will be able to offer you full international insurance for your situation. In addition, we only operate with partners offering a 24-hour multilingual platform.
Check how refunds are made
The procedure must be simple and the repayment time should be quick. Also check the amount of bank charges – if any – for a refund to your foreign bank account. Finally, ask yourself if you benefit from a direct payment service for hospital fees. If you are required to be hospitalized, who will pay the costs directly to the establishment where you are staying?
Identifying exclusions from the contract
Look that excluded benefits are not essential in your case. Consider using an international insurance broker can advise you and help you choose the right expat insurance for your particular case.
Since 2001, Mondassur has been the insurance specialist for people living outside their country of origin. Whether you are a student, intern, traveller or expatriate, Mondassur accompanies you abroad with a personalized range of international health insurance, tailored to each expat profile and budget.
We offer a large number of international health insurance sities and we listen above all to our policyholders and future policyholders to offer them the insurance that suits them. Depending on their needs and situation, we offer them different international insurances. The easiest way to be sure to choose the right expat insurance is to make a free quote online and contact us.