What is International Health Insurance?
International health insurance is essential for those that are overseas for a prolonged period, like people living and working abroad. This is a type of private health insurance designed to cover both emergency and routine healthcare in a foreign country. Although the cost of medical treatment can be very high outside the UK, international health insurance means you don’t need to worry about a large bill if you experience any health problems. This isn’t the same as travel insurance, which is an additional benefit typically only offering short-term cover for medical emergencies and non-medical issues such as lost luggage or cancellations. You can include both travel and international health insurance on your policy should you wish.
What are the Advantages of International Health Insurance?
- Receive better healthcare overseas
- Access treatment faster
- Avoid expensive medical bills abroad
- Get treatment from English-speaking medical professionals
- Be covered anywhere in the world – not just restricted to the country you live in (depending on your insurer and policy)
What Does International Medical Insurance Typically Cover?
What Is the Best International Health Insurance?
It can be difficult to identify the best international health insurance when so many factors need to be considered. For example, some providers will have restrictions like excluding applicants over the age of 65, or putting limitations on those with pre-existing conditions. Your decision also depends on the country you’ll be living in and the type of cover you require.
This is why it’s in your best interest to seek professional guidance before committing to an international health insurance plan. Here at Healthcare Clarity, we provide free, expert advice and compare policies from all UK providers to secure the most suitable cover for your needs.
Why Switch Your
Private Health Insurance Provider?
Even if you already have private health insurance, there are many reasons why you should consider changing your provider:
By switching provider, you can:
* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.
International Health Insurance FAQ's
Like all private health insurance policies, the price depends on factors including your age, medical history, and the cover you want. It will also be impacted by the cost of healthcare in the relevant country. For example, medical expenses can be very high in the USA, so this will be reflected in your international health insurance premiums. Speak to a Healthcare Clarity adviser to find a strong policy for your budget.
This depends on the context of the move. If you’re relocating to work abroad for a set period of time, then you may be entitled to NHS healthcare because you will still technically be a UK resident. However, this is the only exception and only applies within Europe.
Some countries have their own state-run healthcare systems like the NHS while others will expect you to pay part or all of your medical expenses. In some cases, your healthcare will only be subsidised if you have permanent residency, which often takes years to finalise. Get in touch so our advisers can assess your situation and determine whether international health insurance is right for you.
Many people decide to wait until they have moved abroad to secure international health insurance with a local provider, which is usually cheaper. However, there are some clear drawbacks to this approach.
As well as potential language barriers — the last thing you want when discussing important policy details — local providers are less likely to cover you outside your country of residence or give you control over when and where you receive treatment.
Ultimately this depends on your personal requirements, so make sure you discuss all your options with one of our advisers first.
Other Types of Private Health Insurance
Whether you want to protect your family, your business or yourself, we can find the policy for you.