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Moving overseas is exciting, but it can cause anxiety too. Finding lodging, resolving all bureaucratic issues, transporting all of your things, and perhaps most importantly- obtaining the quality plan from the best international health insurance provider are all tasks that must be completed. Purchasing an insurance plan can be perplexing, and it will require copious searching, extensive reading, and comparing policies before you find the best one.

Companies with the Best International Health Insurance Plan

IMG

IMG is a company that specializes in providing travel and international health insurance to families, companies, and individuals. IMG provides the three most admired plans- Global Mission Medical Insurance, Global Crew Medical Insurance, and Global Medical Insurance.

AXA

AXA is a renowned life and health insurance company with operations all over the world. It is situated in France. This company offers five international insurance packages- Foundation, Standard, Comprehensive, Prestige, and, lastly, Prestige Plus.

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Generali Global Assistance

Founded in 1831, The Generali Group is now a subsidiary of Europ Assistance, specializing in health insurance for enterprises with worldwide mobile staff and groups of employees. Select, Classic, and Premier are the three “Core Plans,” with three extra outpatient alternatives. Globally acceptable as well as in North America.

Cigna

Cigna was founded in 1792 and is one of the oldest insurance providers in the world. Individual international health insurance is available in three categories of coverage- Silver, Gold, and Platinum. They provide health insurance and other services to groups in Asia, North America, and Europe.

Allianz Worldwide

Allianz is an infamous insurance company with impressive capabilities and experiences. It offers three distinct coverage policies, which are Essential, Classic, and Premier. You can even get extra add-ons like dental and maternity care. They have offices in Europe, Asia, the Middle East, the Americas, Australia, and Africa. They operate globally.

Aetna International

Fortune 100 is a company that is based in the U.S. and has an international subsidiary Aetna International with a 160-year history. For U.S. people migrating overseas, the company offers the MHP Classic Plan, MHP Exclusive Plan, and Aetna Pioneer Plans for non-US inhabitants.

Bupa Global

Bupa is an international health insurance company based in the United Kingdom, with offices in Australia, the European Union, Latin America, Asia, and the Middle East. Bupa Global has a partner GeoBlue that provides health insurance for U.S. individuals travelling overseas or those relocating to the United States.

GeoBlue

Individual travelers and U.S. corporations who send their staff members on a project abroad can both benefit from GeoBlue’s international medical insurance coverage. One of the most renowned plans is GeoBlue Xplorer. Other than this, there are five different plans with varying amounts of coverage available that you can select from.

Expacare Global Healthcare

Expacare Global Healthcare is a firm that has over 35 years of expertise and offers coverage covered by insurers- Lloyd’s of London. It is designed mainly for foreigners who plan to reside in the states of the European Union. Families and individuals, overseas students, organizations, and companies can all benefit from their policies.

A Plus International Healthcare

A Plus International is a joint venture with AXA. It is an Asian company that provides international health insurance. Hospitalization, Global 80, Global 100, and Global 100 Plus are the four primary worldwide insurance coverages offered by A Plus. It also provides the potential to include other add-ons. People residing in Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Thailand, and Vietnam are eligible for its plans designed for Southeast Asia.

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How to choose the best insurance company?

This is the place where personal preference, geographic location, and nationality come into play. International health insurance should not be treated lightly, as it may explicitly say the difference between life or death in the direst of circumstances. Before reaching a choice:

Conduct your research well.
Read user reviews, ratings.
Thoroughly study each policy.
Become familiar with the claim procedures of the company.

Other factors to look while searching for the quality and best insurance health plans

Method to pay

You can pay for your coverage on a quarterly, monthly, annual, or semi-annual basis. You usually save about 1-2 months’ worth of premiums if you buy yearly, but this is not always the case.

Limit of coverage

Although your insurance coverage may specify that you have a $1,000,000 maximum limit but for per year or lifetime is need to be known.

Deductible

The deductible is precisely the amount that has to be paid. This needs to be paid by yourself before the insurance health company takes over and pays the rest. The deductible can be set once every year or for each claim. It may be $20,000 or even zero dollars. The lesser the deductible, the policy would be more expensive.

Exclusions

To avoid being caught, carefully go through the exclusions section of your policy coverage in the event of an emergency.

Coverage Area

For instance, the coverage area is Asia, but it means all Asian countries or only the Pacific Asian countries.

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PPO Network

The PPO Network is a group of people who work together to solve problems. It is crucial to know whether your chosen insurance company has a PPO network along with the clinic or hospital.

Double-checking with employer

If you are migrating to an international country on an assignment, it is necessary to check and double-check your employer’s international health insurance plans.

Medical History

Another important factor is your medical background. It will drag up the importance of the insurance if you already have specific pre-existing medical problems that you wish to mention.

Lastly, any best quality company will provide a 24-hour helpline that you may call in an emergency. For filing a claim, they also have practices and procedures in place, which is typically done online. It is critical to ensure and comprehend the claim steps with the help of brochures before considering any insurance plan.