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What is health insurance ?

Insurance taken out to cover the cost of medical care or put differently coverage that provides for the payment of benefits as a result of sickness or injury. Each health insurance coverage has different benefits and it is not always easy to compare insurances with each other. Also the rule of thumb that more expensive coverage have the richest benefits does not always apply. It is nevertheless essential to do a good comparison so that you have the best possible solution for your needs!

Essentials

Options

Checkout

Most insurance plans have a selection of benefits. Make sure your plan meets your current and future needs.

Some essentials to watch out for and compare:

Inpatient cover

Outpatient cover

Dental cover

Maternity and newborn care

Assistance services (evacuations etc.)

When you compare insurance plans of one insurer or you compare the plans between insurers, make sure you are comparing apples with apples. It is very easy to get confused so try to determine which benefits are most important for you and compare those first. If you need help call the insurance company or an independent insurance broker for support.

Insurance products are often clustered in coverage levels. Normally the rule applies that the higher the level the richer the benefits and the higher the limits on individual benefits are. Often the insurance plans have easy to understand names indicating the various levels:

Bronze

Silver

Gold

When you have selected the plan with the essential benefits meeting your needs you can often influence the premium by selecting following options:

Co-pays (out of the pocket expense per invoice)

Deductibles (fixed amount of out of pocket expense)

When checking out make sure that your selected plan meets your needs and do a final validation by considering

1 Does your plan has the right benefits for your personal healthcare needs

2 Does your plan have sufficient coverage levels limiting your potential out of pocket expenses

3 Does your plan cover you in the right location depending on your personal mobility (locally, during travels, internationally)

If you are satisfied with your plan you can check out. Most insurers offer various payment methods you need to opt for:

Frequency: monthly, quarterly, yearly (sometimes there are discounts for yearly payments)

Means: credit card, wire transfer, standing order, direct debit (e.g. SEPA mandate in EU)

Why is health insurance important ?

Medical care is expensive: Unexpected medical bills as a result of a critical illness and accident or a chronic disease can ruin you.
Here are some examples (imagine carrying these costs out of your own pocket):

163€
4.424$

2.393€
2.718$

6.702€
7.613$

57.450€
231.118$

How to insure your health whilst abroad?

Travel health insurance

Travel insurance is designed for holidaymakers to cover cancellations, personal belongings and emergency medical treatment, whereas international health insurance is designed to cover inpatient treatment check-ups and continuing treatment of chronic conditions abroad.

e.g. Lost luggage  / Delayed departure  / Trip cancelled / Personal belongings / Personal liability / Travel documents  / Emergency medical cover / …

International health insurance

International health insurance is meant for expatriates who are living and/or working abroad for a prolonged period of time. International health insurance will usually allow you to choose where you have treatment, while travel insurance will usually return you back home to continue treatment once you are fit enough to make the journey back.

e.g. Emergency medical treatment / Extensive medical treatment / Regular medical check-ups / vaccinations / Rehabilitation
Maternity cover / Newborn cover / Cancer treatment / …

Where to buy health insurance?

Depending on your situation, insurance companies differ. Medhioo partners with companies to assist you in any situations. Take out your insurance package with our partners listed below :

Domestic health insurance

Permanently living where you are?
Find your local health insurer here:

You are an insurer and you want to get listed here ?

Travel Insurance

Going for a short period abroad?
Find your travel health insurer here:

You are an insurer and you want to get listed here ?

Expat Insurance

Going for a longer period abroad?
Find your international health insurer here:

You are an insurer and you want to get listed here ?

Domestic health insurance

Permanently living where you are?
Find your local health insurer here:

You are an insurer and you want to get listed here ?

Travel Insurance

Going for a short period abroad?
Find your travel health insurer here:

You are an insurer and you want to get listed here ?

Expat Insurance

Going for a longer period abroad?
Find your international health insurer here:

You are an insurer and you want to get listed here ?

Domestic health insurance

Permanently living where you are?
Find your local health insurer here:

You are an insurer and you want to get listed here ?

Travel Insurance

Going for a short period abroad?
Find your travel health insurer here:

You are an insurer and you want to get listed here ?

Expat Insurance

Going for a longer period abroad?
Find your international health insurer here:

You are an insurer and you want to get listed here ?

Domestic health insurance

Permanently living where you are?
Find your local health insurer here:

You are an insurer and you want to get listed here ?

Travel Insurance

Going for a short period abroad?
Find your travel health insurer here:

You are an insurer and you want to get listed here ?

Expat Insurance

Going for a longer period abroad?
Find your international health insurer here:

You are an insurer and you want to get listed here ?

You are an insurer and you want to get listed here ?

Contact us

Claim process,how does it work ?

How you can get indemnification from your insurer may vary. Typically there is a difference between so called direct billing or reimbursement.

Cashless: for more expensive treatments you can normally contact your insurer prior to treatment and ask them to place a Guarantee of Payment with the health care provider that will treat you.

Reimbursement: typically for less expensive (e.g. outpatient) treatments the patient pays directly to the provider and claims back the money with his health insurer.

For more information, download the document

Download

Health tourism

High health care costs have spurred many consumers to seek treatments abroad, with some even planning vacation around their procedures. Here are companies and providers specialised in organising treatment in the hot spots where medical tourists are flocking.

Companies specializedin organising your treatment

Health Renova (Turkey)
Nom prénom
Nom prénom
Nom prénom
Nom prénom
Nom prénom

Get listed

Providers specializedin health tourism

Get listed

Medihoo support

On the move abroad as expat or traveller and in need of health care services? Use the Medihoo 1-2-3 support

Check your symptoms, talk to an e-doctor or find a local health care provider.

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