Pre-Existing Medical Conditions on Expat Health Insurance Plans:
If you have, or have had, any medical conditions this needs to be taken into account when buying international medical insurance. Depending on what the condition was, and when it occurred it may not be covered under some or all plans. We will be able to offer you the best advice to get the most appropriate cover for you. While this may ‘not seem fair’, this is not just with our partners, in fact it is fairly common for nearly all international medical insurance providers - so talk to us and let us see how we can help.
Waiting Periods on Expat Health Insurance Plans:
Some expatriate health insurance plans will not cover certain claims from day one on a policy, and you would be expected to wait a designated period of time before that claim would be covered. For example expat medical benefits such as maternity and routine dental care are unlikely to be covered from day one of a policy and would have a waiting period. We can help you find the best solution for you and let you know which expat health insurance plans and benefits are subject to waiting periods.
Premium Increases on Expat Health Insurance Plans:
It is an unfortunate fact of expatriate health insurance that, for the most part, premiums will get higher the older we get. This is because it is more common for us to get ill as we get older, and when we are ill it can take longer and cost more to get better compared to a young person. With this in mind, it’s always worth keeping an eye on the future and investigating what potential premium increases could lie in store in future years. XactExpat will be able to give you a fair indication of how premiums will rise according to age for each insurer.
Exclusions on Expat Health Insurance Plans:
Every international medical insurance provider supplies a policy document that fully covers, in detail, what the expat health insurance policy does and does not cover. It is absolutely vital that this document is fully understood before signing up for the plan. Every policy will have a list of exclusions, and it’s always best to be aware of what these are before applying for expat medical cover.