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EXPATRIATE ABROAD

How to choose an expatriate health insurance for your family ?

Ensuring your health before going abroad is a must for a successful and comfortable expatriation. Therefore, be sure to secure a social welfare for you and your family. A question thus arises: How to choose an expatriate health insurance for your family? Define your needs according to the health conditions, family and age. Define the needs, health habits and health risks that may occur: When choosing your expatriate health insurance, you should know all your needs, risks and health habits.

For this purpose, you should plan for hospitalization, medical expenses, dental, ophthalmic and maternity. Identify needs based on your medical condition, your family and your age: Determine:

· The frequency of your visits to general or specialist physicians

· Your future hospitalization needs

· The pathological risks to be treated in the future

· Your past and future dental and optical treatments

· Your care-seeking habits: do you attend public or private hospitals?

· Your family hospitalization, orthodontic, optical and pediatric needs

· The type of medicine that you resort to: osteopath, physiotherapy ...

Compare offers from insurers: a crucial step in choosing an expatriate health insurance. Once you have determined your needs, risks and health habits, you can compare offers from different insurers. Check

· If refunds are in percentage or the actual expenses (opting for the latter is recommended)

· Maximum guarantee

· Be sure to check the amounts of deductibles (the amount that remains to be paid after the payments by the insurer)

· If the insurance agreement indicates the possibility of choosing a doctor, a hospital or a clinic

· The waiting time

· If the insurance only covers the expatriate while he in his host country only or also when he/she is in other foreign countries.

· If the insurance also applies to when the expatriate temporarily returns to his/her home country or go on a vacation

· If pre-existing epidemics are covered

· If assistance and repatriation are included

Please check the terms of refund. In conclusion, strive to get the best expatriate health insurance within your budget, a health insurance that meets your needs and those of your family. If your budget is moderate, you can opt for a hospitalization guarantee to ensure your health coverage.

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