An international health insurance plan may be something you are considering, and rightly so, there are lots of benefits associated with these types of policies. Global medical insurance provides policyholders with access to the best health care and ensures that not only is their health protected but their finances too. However, the only trouble is determining whether this is the right type of health insurance plan for you. With various other options available, such as local policies and travel insurance, it’s of no surprise that people feel somewhat confused.

So, who can buy international health insurance? Well, the truth is anyone can acquire this type of policy. However, it has been designed for expatriates – someone who temporarily or permanently resides in a country other than the place they were brought up in. It doesn’t matter whether you are moving abroad to work or study or retire, a global health insurance plan is the ideal option for you. This is because these policies are designed to provide worldwide cover, ensuring you are covered no matter where you are. Thus, even though this policy type is designed for expats, it’s also ideal for those that travel on a regular basis as well. International health insurance policies provide a much greater level of cover and many more benefits than travel plans do.

There aren’t too many restrictions associated with worldwide health insurance – the only two tend to be age and pre-existing medical conditions. In regards to age, a lot of companies will refuse to insure anyone over the age of 65. Nonetheless, if you are over 65, don’t panic, as some providers insure individuals over the age of 100! When it comes to pre-existing medical conditions, there are various ways around this. A lot of insurers will present you with a policy that simply excludes the conditions you have. There are then those that will allow you to have international health insurance, yet your premiums will be higher than the average rate. Simply consider your options carefully before choosing a policy.

Hopefully you now have a better understanding of worldwide medical insurance and whether it’s the right choice for you. If you are an expat, considering a move abroad, or someone who travels frequently, you should definitely think about acquiring this type of health insurance policy.