What to look for in a plan?
Naturally, you will want to find the best possible coverage for the best possible price. The primary factor to consider though is budget versus benefits. It’s not a question of finding the most generous plan for the cheapest price.
Remember, not all plans offer the same types of cover or cover the same medical conditions. Benefit limits can vary widely. The key is to ask lots of questions. Think about how you (or your family) use healthcare and anticipate your needs.
As with nearly all things in life, the more you pay, the more you get. Medical insurance is no exception, and you will want to consider the following benefits when selecting your medical insurance plan:
Inpatient and Hospitalization
Cover for inpatient (hospitalization) treatment is the staple of any medical insurance plan, and given the relative expense of such treatment, the reason most people want medical insurance cover.
Adding cover for outpatient treatment, or medical treatment for minor injuries and illnesses, creates a more comprehensive medical insurance package.
This typically standard core benefit provides cover for evacuations, often by air ambulance, to the nearest appropriate medical facility for treatment when the insured cannot receive proper care at the location where the injury/illness occurred.
Annual Health Check-up
Annual health check-ups, or preventative care, are often very useful for diagnosing any major illness early on.
International insurers generally offer a range of dental benefits, including routine, complex, and/or orthodontic treatments.
Adding maternity cover on to your medical insurance plan tends to most significantly increase premium, and a waiting period ranging from 10 months to 1 year will apply.
Now that you have a better understanding of what to look for in an medical insurance plan, you may complete the Get a Quote form to the right to further discuss with a One World Cover consultant.