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What is International Health Insurance, and Do I Need it?

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International heath insurance

What is international health insurance?

International health insurance is designed for individuals and families who are working and living abroad for a long period, it covers emergency and routine medical treatment. In some countries, it is a requirement to have health insurance as a resident. In some cases, you may just want to have access to better healthcare than what the local healthcare is offering. Having health insurance will also help you to breakdown the costs of treatments in a clear and concise way

Most often it includes:

  • Hospital stays
  • A choice of medical providers
  • Second opinion services
  • Emergency cover
  • Wide range of cancer treatment 
  • Medical repatriation and evacuation 
  • Ambulance transport
  • CT, PET and MRI scans
  • *Cover for preexisting conditions
  • *Cover for chronic conditions

* These will sometimes come at an extra cost so make sure to check with the insurance provider.

Optional extras are usually: 

  • Dental plans
  • Maternity plans
  • Outpatient plans
  • Repatriation plans
  • Eye tests and checkups and prescription glasses
  • Travel insurance
  • Annual health checks

These plans are usually flexible and can be interchanged to suit the needs of you and your family. 

There are many different international health insurance providers and here at GMS, we have partnered with William Russell who are experts in health insurance and have over 28 years of experience. They provide healthcare in most countries and provide for families and individuals, international citizens, remote workers, frequent travelers, and startups. They give their customers access to top hospitals and doctors (there are over 4,00 in the network worldwide). Why not check them out today and get in contact for a quote, or find out more through our GMS Xtra services.

You need to also take into consideration that international health insurance plans don’t include cover for costs that come from arranging treatment, travelling to and from treatment, treatment against medical advice, a treatment designed to prevent an illness rather than treating illnesses. 

Also consider how you would like to pay for it as it can be annually, monthly, or quarterly, if you would like to add an excess which means you’ll agree to pay a certain amount towards your claim, but it will lower your premium, so you must decide what fits your situation best.

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