Conditions of acceptance

Discover the essential criteria to benefit from international health insurance. What are the acceptance conditions to take into account? Stay informed to make the right choice and protect your health abroad.

Types of International Health Insurance Policies Available

International health insurance policies by duration

Some international health insurance policies are designed specifically to meet short, medium or long term needs. Depending on the length of your stay abroad, here are some common options:

Short-term health insurance:
This policy is ideal for trips lasting a few weeks to a few months. It is often chosen by those who travel for temporary professional missions. It offers basic but sufficient coverage for urgent care and hospitalizations.

Long-term health insurance:
Suitable for extended stays abroad, this insurance is ideal for those who work abroad over a period of several years. It offers more comprehensive services including routine care, hospitalizations and sometimes even maternity care.

International health insurance policies according to coverage levels

Your coverage needs may vary. Some policies offer a choice between multiple levels of cover to suit each individual’s requirements.

Basic coverage:
It covers medical costs related to emergencies, hospitalization and surgical costs. Basic coverage also generally includes medical repatriation.

Intermediate coverage:
In addition to basic benefits, this intermediate coverage includes consultations with the general practitioner, prescribed medications, and sometimes dental and vision care.

Complete coverage:
This option encompasses all the benefits of intermediate coverage and includes additional benefits like preventive care, vaccinations, maternity care and even alternative therapies.

International health insurance policies according to geographic specificities

Where you live and travel can also influence the type of international health insurance policy that is best for you.

Regional health insurance:
This font is specifically designed for one or more regions of the world. For example, it may be valid for Europe only or for South-East Asia, thus offering coverage adapted to the local particularities of health systems.

Global health insurance:
It offers international coverage without geographical restrictions, guaranteeing access to care throughout the world. This is the best option for those who regularly travel to different countries.

Additional options

International health insurance policies may also include various additional options to further personalize your coverage. Here are some of the most common options:

• Repatriation assistance: This option guarantees your return to your country of origin in the event of a serious medical situation.
• 24/7 support: A helpline available around the clock to answer your immediate health-related questions and needs.
• Coverage for dependents: Possibility of including members of your family in your insurance policy.
• Travel insurance: Combine your health insurance with travel insurance to cover incidents such as lost luggage or flight cancellation.

Eligibility criteria for purchasing international health insurance

Age and nationality requirements

Determining whether you are eligible for international health insurance often starts by looking at your age and nationality. Most insurance companies impose age limits on their contracts. For example, some policies may not be available to those over 65, while others offer specific options for seniors. Concerning nationality, certain insurances are exclusively reserved for residents of a particular country or expatriates living abroad.

Pre-existing medical conditions

Another important criterion is the consideration of pre-existing medical conditions. International health insurance companies may have different policies regarding these conditions. Some may exclude them from coverage, while others may include them for an additional premium. It is crucial to review how your current health status could impact your eligibility and the terms of your coverage.

Length of stay abroad

The length of your stay abroad may also affect your eligibility. International health insurance is generally aimed at those spending an extended period of time outside their home country, whether for work, study or other reasons. Short term insurance policies, typically less than six months, may not offer the same level of cover as policies designated for longer stays.

Profession and travel habits

Your occupation and travel habits may also play a role in your eligibility. Those who travel frequently for work, such as consultants or employees of international companies, could benefit from specific policies that cover frequent travel. Some insurance plans may exclude high-risk countries or charge a higher premium to cover less secure destinations.

Financial capacity

The ability to pay premiums is a determining factor for eligibility. Depending on the coverage you choose, costs can vary significantly. Some companies offer flexible payment options, such as quarterly or monthly payments, to make their services easier to access. Carefully analyze your financial capabilities before choosing an insurance option.

Previous insurance history

Your insurance history may affect your eligibility. Insurance companies often look at your history, especially if you have had lapses in coverage or frequent claims. A stable insurance history with few claims can make the underwriting process smoother and benefit from more favorable conditions.

Specific requirements of insurance companies

It is also crucial to understand that each insurance company may have its own requirements. This may include detailed medical questionnaires, medical exams, or waiting periods before certain coverages take effect. Take the time to compare the different offers and their conditions to find the one that best aligns with your needs and your personal situation.
By taking these various criteria into account, you will be better prepared to navigate the process of subscribing to international health insurance.

Documents required for an international health insurance application

Proof of identity

To take out international health insurance, it is imperative to provide proof of identity. This could be a copy of your passport, your identity card or any other official document confirming your identity. Make sure the document is valid and the information is clear and legible.

Application form

A duly completed application form is also one of the essential documents. This form varies from one insurer to another and can be completed online or in paper format. It brings together your personal information, your current health conditions, and your coverage needs.

Proof of Residence

International health insurance often requires proof of residency. This could be a recent bank statement, utility bill, or lease agreement. This proof allows you to verify your current location to determine suitable coverage options.

Medical History

Insurance companies generally ask for a complete medical history. This includes medical records, doctors’ reports, and history of illnesses or treatments. This allows the insurer to assess the risk and personalize your coverage according to your health needs.

Work certificate

For individuals traveling for business reasons, an employment certificate or letter from your employer confirming your employment and the need for international travel may be required. This document helps justify the request for business travel coverage.

Information about Addicts

If you wish to include family members in your international health insurance, specific information about each dependent person will be necessary. This includes their identity documents and any relevant medical history.

Means of payment

Finally, information on means of payment for insurance premiums is essential. This may include banking information for automatic debits, credit card details, or other payment methods recognized by the insurer. Make sure your payment information is current and valid to avoid any delays in setting up your coverage.

Remember to check the specific requirements of the insurer you wish to subscribe to, as the necessary documents may vary from one company to another.

Preliminary medical assessment process

Why is a prior medical evaluation necessary?

In the context of international health insurance, the preliminary medical assessment plays a crucial role. This process helps insurers understand your current health and assess potential risks. This makes it possible to offer personalized and adequate coverage. This assessment is especially important for people with specific medical histories or pre-existing health conditions.

The stages of the preliminary medical evaluation

The preliminary medical evaluation generally occurs in several well-defined stages, each aimed at gathering specific information and providing a comprehensive analysis.

1. Medical questionnaire : This is usually the first step which involves filling out a detailed questionnaire. The questions cover your medical history, past and current treatments, as well as your lifestyle habits.

2. Medical exam : Depending on your profile and the insurer, a medical examination may be required. This exam may include blood tests, urine tests, and other specific tests to evaluate your general health.

3. Medical report : In some cases, you will be required to provide recent medical reports. These reports allow insurers to verify the information provided in the questionnaire and exam.

Documents required for assessment

The different documents to provide may vary between insurers, but generally, you will need to prepare the following:

– Medical history file
– Results of recent medical examinations
– Current medical prescriptions and prescriptions
– Specific medical certificates, if necessary

The influence of valuation on insurance premiums

The result of the preliminary medical assessment may influence the premiums for your international health insurance. Depending on your results, insurers can:

– Increase premiums if high risks are identified.
– Exclude certain conditions from coverage.
– Apply waiting periods for certain medical conditions.

Tips to facilitate medical assessment

To ensure a smooth assessment process and reduce stress, here are some practical tips:

– Prepare all required documents in advance.
– Be honest in your answers to the medical questionnaire.
– Schedule the medical examination at a time when you are in optimal conditions to avoid tests influenced by temporary factors (fatigue, stress).
– Consult your doctor for copies of your latest medical reports.

Coping with assessment results

Once the medical assessment is completed, you will receive feedback from the insurer. Depending on the results, you will have different options to consider:

– Acceptance of terms and conditions : If the terms are acceptable, you can proceed with the subscription.
– Negotiation : In certain cases, it is possible to discuss with the insurer to adjust the terms or premiums.
– Looking for other options : If the conditions do not suit you, it may be useful to compare other offers on the market.

By following these steps and tips, you will be better prepared to navigate the pre-medical assessment process and choose the international health insurance that is best for you.

Common Restrictions and Exclusions in International Health Insurance Policies

Pre-existing conditions

Pre-existing conditions are one of the most common exclusions in international health insurance policies. This means that any illness or medical condition that the insured was aware of before purchasing the policy may not be covered. For example, if you have already been diagnosed with a chronic condition like diabetes or heart disease, these treatments may not be covered. It is essential to check these restrictions to avoid any unpleasant surprises.

Dental and optical care

Dental and vision care are often not included in basic international health insurance policies. Some providers offer additional insurance to cover these costs, but they are usually not included in standard plans. This includes routine checkups, glasses, contact lenses, and routine dental treatments. If you need these services regularly, it’s crucial to choose a plan that includes them.

Extreme sports and dangerous activities

Many international health insurance policies exclude injuries resulting from participation in extreme sports or activities considered dangerous. This may include activities such as skydiving, scuba diving, mountain climbing or backcountry skiing. These exclusions are important to know, especially for travelers who enjoy sporting adventures.

Aesthetic treatments

Cosmetic treatments and procedures, such as non-essential plastic surgery, are generally not covered by international health insurance policies. Cosmetic procedures, unless the result of injury or illness, are often considered optional and are not covered.

Fertility treatments

Coverage for fertility treatments, such as in vitro fertilization (IVF) or other assisted reproductive techniques, is often excluded from international health insurance policies. If you are considering these treatments, it is essential to check whether your insurance plan covers them or consider a specialized policy.

Mental illnesses and psychological disorders

Many international health insurance policies do not include coverage for mental illnesses and psychological disorders. This may include exclusions for conditions like depression, anxiety and other mental disorders. Some policies offer coverage extensions for these conditions, but they are often limited and may require additional premiums.

Extended stays

Some international health insurance policies impose restrictions on the length of stays abroad. If you are regularly traveling for extended periods, you will need to check that your policy provides continuous cover for the duration of your stay.

Specific geographic areas

It is important to check the geographic coverage of your international health insurance policy. Certain regions or countries may be excluded from coverage, which can be a problem if you travel to these areas frequently. Make sure you understand geographic limitations to avoid unexpected expenses.

Comparison of premiums and coverage offered by different insurers

Understanding the comparison criteria

Comparing international health insurance premiums and coverage can be complex, but by focusing on some key criteria you can find the best option for your needs. Things to consider include:

• Monthly or annual premiums
• Deductibles and co-payments
• Coverage limitations
• Specific inclusions such as maternity, dental care and optics
• The network of health providers
• Repatriation assistance

Monthly and annual premiums

Premiums for international health insurance vary considerably depending on the insurer, and often depend on the age, level of coverage chosen and the state of health of the insured. Some companies offer lower premiums for basic coverage, while others may charge higher costs for more comprehensive coverage. It is essential to check not only the initial cost, but also the possible evolution of premiums over time.

Deductibles and co-payments

Each insurer offers different options in terms of deductibles and co-payments. A lower premium could mean a higher deductible to pay in the event of treatment. For example, insurance with a lower monthly premium may require you to pay a higher deductible before the insurer begins covering medical care. It is a balance to find according to your financial capacity and your expectations in terms of care.

Coverage limitations

Some insurers impose limitations on the types of treatments or amounts covered. It is essential to read the terms and conditions in detail to understand what is included and what is not. Some policies may exclude specific treatments or limit amounts for certain types of care, such as long-term treatments or expensive surgeries.

Specific inclusions

Inclusions such as maternity, dental and vision coverage may vary from one insurer to another. For those who travel frequently, it can be crucial to have comprehensive health coverage that also includes these aspects. Check if the insurance offers additional coverage options for these treatments and how this affects the total premium.

The network of health providers

The reach of the healthcare provider network is another important factor to consider. An insurer with a large international network will allow you to benefit from quality care wherever you are, without having to pay up front. Ease of access to care and speed of reimbursement are points to check to ensure that your experience is as smooth as possible.

Repatriation assistance

Repatriation assistance represents an essential component of any international health insurance, particularly for those who travel regularly for work. The conditions and quality of this service may vary. It is therefore relevant to check whether the insurer offers medical repatriation in the event of urgent need and what the associated terms and conditions are.

With this detailed analysis of the different aspects of international health insurance, you can make an informed decision that not only fits your personal needs, but also your regular travel and business requirements.