Expats, Health

International medical insurance: Everything you need to know.

This article is for UK citizens who live or work internationally and are worried about having the right level of private medical insurance cover while they’re working, travelling or living internationally.

When you live, work or happen to spend a long time travelling internationally, you need international health insurance

In today’s political climate, you can’t really guarantee that you’re covered by the local health providers, that’s whether you need medical assistance on holiday or while you’re living and working abroad. Because of this, some people elect to get private medical insurance with International cover.

What is international medical insurance?

International medical health insurance offers access to comprehensive levels of healthcare cover to people who are away from their home countries for an extended duration of time, whereas travel insurance is geared towards providing cover for emergency treatment while you are in another country, on holiday for example, for a much shorter period of time.

To protect you and your family, it is essential to ensure that you have comprehensive insurance protection whilst resident abroad.

How much does it cost?

As an indication, Freedom’s policies can start from £29.45 per month for single policies, £58.88 per month for couples, and £73.50 per month for a young family. This is, of course, dependent on a variety of factors. Your settled location being the most obvious as it’s natural to assume that PMI for someone living and working in the USA or Singapore would be more expensive than the EU. Then, there’s age, existing health and so on) and it can be heavily influenced by the level of excess you choose in the policy.

What about Cancer Cover?

Cancer cover is included in Freedom Health Insurance’s Worldwide International Medical Insurance – click here to review their policy.

Pre-existing medical conditions

If you have any pre-existing medical conditions, it’s important to always disclose them during the application process with your health insurance company. Rarely are there pre-existing conditions that don’t qualify for cover and it’s much worse not to disclose something.

Policyclever recommends: Freedom Health Insurance

Freedom Health Insurance is a multi-award winning health insurer. Offering, in our opinion one of the best PMI products available today.

Freedom’s policies are designed for all levels of cover at varying levels of budget. Their standard cover is called “Your Choice” and includes cancer cover and in-patient annual benefit, other healthcare options can be added to suit your unique health needs. Their “Elite” cover essentially adds all available options to give a very premium level of cover.

At a slightly higher budget level, the “Worldwide” health insurance policy offers people who are studying, living, working or travelling abroad full private health cover should it be needed. We currently recommend that British people travelling to the EU should make sure their travel insurance covers them while they’re away, but if you’re a British expat living in the EU, you should look at health insurance options too.

Freedom Health Worldwide PMI: What types of things are covered with their International cover?

  • Hospital accommodation
  • Nursing fees, medical expenses and ancillary charge
  • Surgeons’, consultants’, anaesthetists’ and medical practitioners’ fees
  • MRI, PET and CT scans
  • X-rays, pathology, diagnostic tests
  • Prescription drugs and medicines
  • Surgical appliances and prostheses
  • Cost of one parent staying with a child (under 16 years of age)
  • Out-patient surgery
  • Physician and therapist fees including physiotherapist (referral by a medical practitioner, consultant)
  • Psychiatric treatment
  • Organ transplant

Are there any additional Benefits?

These include premium optional health extras including:

  • Private ambulance
  • Nursing at home
  • Complications in pregnancy or childbirth
  • Inpatient cash benefit
  • Hormone Replacement Therapy
  • Cover for chronic medical conditions
  • Terminal illness care
  • Emergency in/day patient treatment for accidental damage to teeth

Find out more

To find out more about international medical health insurance, check out Freedom Health Insurance’s Worldwide policy.

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