International health insurance is a type of health insurance specifically designed to provide cover for people who are planning to or are already living overseas for a prolonged period of time. Whether you have relocated to another country for work, study, or your retirement years, international health insurance can provide coverage that regular health insurance cannot.
Many soon-to-be expatriates and international students confuse the difference between international health insurance and travel insurance. Both are indeed intended for people spending time away from their home country, but the purpose and coverage are different.
Travel insurance provides cover for emergency services while you are in another country for a short period of time, within a specified area. The aim of travel insurance is to get you well enough to return home if you get sick while travelling, so it won’t cover long term medical treatment. Also, you cannot get routine treatments or checkups.
With international health insurance, you are covered for both emergency and routine healthcare, it is essentially like your regular health insurance, but it will protect you when you’re living abroad.
International health insurance may sound complicated, but the main purpose of the policy is simple: when you’re living outside your home country, international health insurance offers coverage for your medical care. In the list below are the main coverage that international health insurance provides.
In case you’re hospitalised, international health insurance can help you with the medical expenses. With this insurance, you can be sure to get the help you need if you have a serious accident or illness that requires hospitalisation.
You are covered for routine checkups and care with both general practitioners and specialists, such as ophthalmologist, gynaecologist, or dermatologist. You can also add routine dental care and/or maternity care option to your coverage.
Outpatient coverage helps you pay for medical tests and consultations that don’t include a hospital bed overnight, such as blood tests, X-rays, MRI and CT scans. Small procedures are often covered as well.
You can access Teleconsultations with a general practitioner or specialist in your preferred language wherever you are. This allows you to interact with someone from your own country.
You can tailor the coverage depending on your needs and add more coverage if you want. Some additional coverages you can get include dental checkups, emergency dental care, and maternity-related care.
If you are coming from abroad, you could possibly get an add on for international health insurance. If not I would recommend this product as you will be covered not just in Thailand but for the rest of the world as well. Good information and free to inquire for the Thaiger.
The team was extremely accommodating and responsive. I was really pleased with the service; I will use this company for international travel insurance again.
“Very pleased with the professional and friendly service I received. The Thaiger has given me a lot of recommendation and helped me to set up my policy.”
The quote was very reasonable, and the website was simple to navigate. The confirmation and necessary documentation were send via emailed, just waiting on the final stages now thank you!
Never tried this in before and found it to be very easy to enter. I’m hoping it lives up to its promises, as I will need international travel insurance claims.
I bought insurance cover through the Thaiger and the experience was fantastic. Their health experts understood my desire and sent me different quotes to my email.
There is a wide range of international health insurance that provides flexible global coverage that you need, supported by the world-class services you expect. The plans are tailored to meet your specific insurance needs and budget, depending on your purpose of relocation and who you’re relocating with.
International health insurance for expat professionals is a type of individual health insurance plan specifically designed for professionals working abroad. It offers a wide variety of benefits that are both affordable and flexible.
If you are a professional living and working overseas, this plan ensures that you have access to healthcare in your current location.
Moving abroad with your family? Our Family International Health Insurance plan can cover your whole family. It allows you to skip the hassle of getting an individual plan for each member of your family.
Family international health insurance offers a broad selection of benefits, including discounts on premiums when you add two or more children to your policy. Specifically designed for you and your family’s needs, this plan covers your whole family for any medical care, from everyday doctor visits to specific treatments.
Are you a student planning to study at a foreign school? We have a range of budget-friendly yet comprehensive cover for you.
Studying abroad is one of the most exciting adventures in life, but it possesses many risks. Therefore, international health insurance for students is specifically designed to ensure that you can have the time of your life and make memories without worry. Medical coverage, hospitalisation, surgery, and medical evacuation are great advantages, particularly for students studying abroad. Counselling, legal and financial aid and other medical care are also part of the plan.
Group International Health Insurance is intended for corporate groups of all sizes. Whether you’re a part of a large international or a small globally mobile business, this plan is designed around your business needs. It covers a wide range of inpatient and day-care treatments, as well as optional levels of cover.
I had to move abroad for work, taking my family with me. Of course, we aren’t familiar with the healthcare system there, so purchasing family international health insurance is the best choice for us.
Top tip: Find a plan that can be tailored for your specific needs, so you can be sure to be fully protected without paying for covers you don’t need.
International health insurance ensures that you get the medical treatment you need when you have a medical emergency or even regular medical care when you’re living in a new country.
For expats and their families, students studying abroad, citizens with dual residences, multinational employers, and more, having international health insurance is a perfect choice. Being a global citizen can be an exciting experience, but it also poses many possible risks. Having international health insurance will protect you from any unwanted conditions, so you can enjoy every moment of your life while living abroad.
If you get sick or get hurt suddenly, health insurance is necessary to help cover the costs you may not be able to afford on your own. Therefore, having health insurance is important. Below are some health insurance types you can choose based on your specific needs.
Family Health Insurance ensures that you and your family members have the chance to get the medical care you deserve. You can have peace of mind knowing that your loved ones will also be covered by the insurance.
Group health insurance helps businesses pay for their employees’ healthcare expenses. It is designed to be more cost-effective for companies and organisations compared to individual health plans.
International health insurance has a wide range of coverages option that can surely one of good use to you and your loved ones, especially when you travel abroad. Besides the core coverage mentioned above, you can add the following coverages below to your international health insurance plan.
Take care of your teeth with a monthly or yearly dentist examination and appointments from the best dental clinics and hospitals around Thailand. Cover can also be given for preventative, routine, and restorative dental treatment.
Cover for expectant mothers before and after birth, ensuring that the mother and baby remain healthy.
With this coverage, you can regularly monitor and track medical examinations for adults, preventive cancer screening, confidential therapy sessions, and assistance with stress management, health, and well-being.
Health insurance is one of the most important considerations for those retiring. You devoted some of your best years to your job or business and its success, so you deserve to get the best healthcare in your retirement years. Health insurance for retiree ensures that you can get the best healthcare available when you need it.
It’s important in ensuring you have adequate medical coverage as you get older. Insurer plans and their flexible choices will ensure that there are no surprises when it comes to providing the treatment you need.
An international health insurance plan provides a variety of covers appropriate for someone who has been employed and living for a year or more outside their home country. They include, among others: surgical and emergency evacuations; costs for medical care; maternity coverage; access to doctors and prescription drugs;
Find out more about the top three global suppliers of health insurance for individual expatriates
Cigna International. Cigna is a very large and capable global insurance company with offices and operations around the world.
International Medical Group.
The annual cost of a foreign health insurance plan will range from as little as $5xx for a comprehensive global medical plan, including coverage in the USA, with minimal benefits, to as high as $8,xxx. The expense is $5,xxx a year on average.
International health insurance is meant to provide people relocating from their home country with a comprehensive standard of health coverage for a prolonged period of time, while travel insurance provides cover for emergency services while you are in another country for a shorter period of time.
If you are a person who travels regularly, and while you are overseas, an international policy will give you comprehensive health cover. You may have travel insurance in place, but keep in mind that these plans are intended to cover emergencies and only for brief visits.
In the event that you send all the documentation and any relevant details with respect to your coverage, your compensation will be paid within 15 days.
The value of providing quality coverage is that it usually means that wherever you are in the world, you and your family can access health care. Similarly, several arrangements provide repatriation, meaning if it is not accessible at your expat destination, you can return home to access care.
Yes, without medical evidence, all global medical plans are renewable. If you move back to your home country and remain there for more than 6 months, most plans are non-renewable. Before you apply clarify your specifications, it makes sense to review the plan terms.
Standard vaccines for children and probably adults would be provided by certain expatriate health policies. Most quality company expat health plans will, with certain exceptions, completely cover vaccinations. Usually, the vaccines under the module for out-patient treatment would protect expat health plans.