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.
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.
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.
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.
Cancer cover is included in Freedom Health Insurance’s Worldwide International Medical Insurance – click here to review their policy.
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.
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.
These include premium optional health extras including:
To find out more about international medical health insurance, check out Freedom Health Insurance’s Worldwide policy.