There are dozens of factors to consider when choosing an international health insurance plan, but the most important is that it suits you and your own unique needs.
Here are a few things to think about when deciding which plan is best, and how you can tailor a plan just for you and your family.
How long are you living abroad?
If you’re just travelling for a month or so, travel insurance might be your best bet, or you might even have some coverage via a domestic plan
But if you plan on living abroad for a longer period of time, an international health plan is essential. And, generally speaking, the longer you’re living abroad, the more coverage you should have.
Is it just you, or do family members need coverage?
If you’re young, healthy, and single, it might be tempting (although not necessarily smart) to get the cheapest health insurance available.
But if you have children or others who rely on you, consider their needs, and what kinds of costs you might incur without insurance. Is it worth having a higher level of coverage to make sure certain things are paid in full, for instance? Do you have a family member with a pre-existing condition, perhaps?
At Cigna Global there are three levels of core coverage: Silver, Gold, and Platinum. The maximum payment per beneficiary per period of cover, across all sections of the insurance, is €800,000 on Silver level, €1,600,000 for Gold, and unlimited with Platinum coverage.
All levels of the insurance cover things like hospital accommodation, prescribed medicines and drugs, intensive therapy, surgeon's fees, pathology, and radiology. But each level has differing degrees of coverage for hospital accommodation for a guardian, advanced medical imaging, physiotherapy, rehab, and other costs.
Do you need more than the basics?
No matter what the level, Cigna Global’s core plans will ensure you have some sort of coverage when it comes to standard medical care. But what about the not-so-standard stuff?
Cigna Global helps you tailor an international health insurance plan that's perfect for you, with optional benefits available like international outpatient care, international health and wellbeing, international medical evacuation, and international vision and dental.
Do you have diabetes or another dietary illness?
If you have diabetes or require some other form of dietary advice for another illness, it’s important to know you can get the support you need while living abroad. Dietetic consultations are covered and paid in full as part of international health and wellbeing under the Platinum plan, but not Silver or Gold.
Do you have glasses or contacts?
So your eyesight isn't perfect – no shame in that. But do you know where to go for an exam abroad, and what it costs? Cigna's International Vision and Dental benefit pays for your routine eye exams and will cover the cost of glasses and contact lenses.
Are you over 50?
If you're 50 or older, you should be thinking about regular cancer screenings. With the International Health and Well-being add-on, screenings for prostate, breast, and bowel cancer (after age 55) will be covered. For women aged 40 to 49, a mammogram is covered every two years even if you're asymptomatic. You can also get an annual scan to check bone density.
Are you alone far from home?
International Medical Evacuation isn't just helpful for the person experiencing an emergency – it can also help family members to be there at that time of need. This optional benefit covers visits for a parent, partner, sibling or child to a beneficiary after a sudden accident or illness.
Are you pregnant, or planning to be?
Routine maternity care is not covered under the Silver plan, so if you're young and single that might work for you. But if there's a chance you might get pregnant, choose Gold or Platinum.
Under those plans complications from pregnancy and homebirth costs are also covered. Newborn care is covered even on the Silver plan, but when you're bringing a new life into the world, it's better to be over-prepared, especially if you’re a first-time parent.
Do you need regular physiotherapy or visits to the chiropractor?
If you need physiotherapy, or if you get regular chiropractic or acupuncture treatments, or visit another sort of medical specialist, adding International Outpatient care to your plan is a good idea. This optional benefit also covers adult vaccinations, dental accidents, child immunizations, and, under the Gold and Platinum plans, pre-natal and post-natal care.
Get your own personalized plan
No matter what special conditions you or your family members have, Cigna Global can help you create your perfect plan.
Read more about why expats choose Cigna Global here, and get in touch to get a free quote for your own personalized plan.
This article was produced by The Local Client Studio and sponsored by Cigna Global.