Area of Cover
Choose the right insurance
Chronic Conditions
Deductibles and Excess
Emergency Evacuation
Frequently Asked Questions
General Exclusions
In-Patient Coverage
Local vs International
Key Terms and Definitions
Out-patient Coverage
Overall Maximum Benefit
Payment Options
Plan Summary
Policy Conditions
Pre-existing Conditions
Renewal Options
Waiting Period

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- James Cooper
Did you Know?
As an insurance broker we are able to pick and choose the best insurance providers worldwide. Even better our insurance plans cost the exact same as if you were buying directly from the insurer.

Choose the right insurance

Selecting the right medical plan is extremely important since you may keep it for the rest of your life. If the coverage is not suitable then you may not be able to get the medical treatment you need or it may be very expensive and place an unnecessary financial burden on your family.

It is difficult to find suitable international health insurance providers and even when a consumer is equipped with extensive insurance policy knowledge, comparing policies and interpreting the policy wording can be very challenging. Expats that decide to purchase medical insurance from a local provider once they arrive at their final destination will often find it more convenient but the coverage is unlikely to meet their expectations.

An individual has to make important decisions as to what benefits to include on the policy. This can be as simple as: price versus coverage or working out if chronic condition coverage is important to you. Making these decisions in an informed way can take a lot of time and effort. Seeking the help of an insurance advisor often proves to be very useful. They should have experience on a range of insurers and plans and can help you to understand the benefits while identifying what is important to include.

Insurance advisors are normally 'brokers' which means they represent the client and not the insurance company. There are no additional charges for using their service and they are paid a commission by the insurer only when you take out the plan.