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There is no “one size fits all” type of insurance. The best service you can get for yourself is a policy that is designed to fit your finances, lifestyle, stage of life, and medical history. A good health insurance service provider, like Trusted Union, will provide an insurance broker in order to custom make the perfect plan for you as well as inform you about all the information you need in order to make an informed decision when choosing Health Insurance Abroad.
The Basic Plan
Most basic plans cover inpatient services. These include:
– Hospital stays
– Surgeries
– Medicines are given in the hospital
– Medical tests in the hospital
You can also get outpatient services such as:
– Outpatient surgeries
– Prescription medicines and vaccinations
– Doctor visits
– Medical tests
– Therapies
For an extra charge, you can add coverage for a range of different services. These include:
Dental – this can be either for routine treatment or major treatment
Alternative therapies – like acupuncture and homoeopathy
Choosing Your Service
There are 4 things to look at when choosing a Health Insurance Abroad policy:
Finances and insurance
The key to keeping costs low is to buy insurance through a broker. A broker can help you minimize costs by providing information about different types of coverage and can help you choose only the coverage that you need.
Lifestyle and insurance
Sometimes insurance companies will try to sell you extra insurance that you probably won’t need depending on your lifestyle. For example, insurance for a wok accident would be useful for a contractor, but probably less so for a teacher.
Sit down with a broker and figure out together what types of insurance would be useful to have for your lifestyle.
Stage of life and insurance
Your stage of life can also affect your insurance policy. Depending on your stage of life, you may want to add on extra insurance.
Maternity
If you’re planning on expanding your family, you might want to add on this extra insurance. With maternity insurance coverage, you will get coverage for:
- Ultrasounds
- pregnancy complications
- delivery costs
- medical procedures such as cesarean sections
Some plans also have coverage for fertility treatments and newborn care, such as incubation should a baby be born prematurely.
Senior health care
Seniors tend to get sick more often or use the benefits of health coverage more than younger people. Therefore, health insurance costs are usually higher if you sign up later on in life. For seniors who buy health coverage a bit later on in life, it’s still possible to keep costs low by meeting with an insurance broker who can help you figure out what kind of coverage you need on an individual level.
Medical history and insurance
The price for any health coverage that you have will most likely be determined based on chronic and pre-existing conditions, as well as your age. Get insurance sooner than later – you never know what the future holds, so better to get a normal price before medical conditions arise.
Health plans offer various levels of coverage for chronic illness. Speak to your insurance broker to find out which policy works for you.
Take Away
The bottom line is, there is no insurance policy that fits everyone. Talk to an insurance broker to find the best health insurance service for you.
