Health Insurance
Health insurance is a vital financial tool that provides companies, individuals and families with protection against the high costs of medical care.
Having a medical insurance policy means you can be covered for a range of healthcare services, including doctor visits, hospitalizations, maternity and the guarantee of cover for a new born child, prescription medications, sometimes without limit, as well as preventive care, and more.
With the rising costs of healthcare, it is our view that having some form of cover is certainly better than not having any.
Although some people take the risk and set aside the cash to pay for medical bills, timing is everything and if you later decide you indeed need medical cover, then at that time your health condition may mean it is very difficult, if at all possible, to find cover.
With a good medical plan in place you will be less inclined to put off seeing the doctor and if you do encounter some major setback in your health, your focus can be more on getting better than scrambling to find a way to settle the bills.
Before making your decision on the way forward, do talk to us and discover the medical cover we have in our company and why we have decided as we have!

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Health Insurance Sample Comparison

Foyer Global
Features
- International Health Insurance
- Covers worldwide with or without USA
- Comprehensive cover
Offered plans
Essential
Special
Exclusive
Major Benefits
International Healthcare at affordable rates
Flexibility to move around the world with the same plan
Convenience of a family owned health insurance company

Bupa Global
Features
- Top rated international health insurance
- Covers worldwide with or without USA
- Comprehensive cover
Offered Plans
IHHP
Major Medical
Private Client by Bupa
Major Benefits
World class insurance at your finger tips
Flexibility to move around the world with the same plan
Support of a world leader in the health insurance business

Cigna Global
Features
- Rated A+ by A.M. Best & BBB+ by Fitch
- Covers worldwide with of without USA
- Comprehensive cover
Offered Plans
Siver
Gold
Platinum
Major Benefits
Top rated insurance products at your finger tips
Flexibility to move around the world with same plan
Support of a major health insurance provider around the world

AXA Global
Features
Rates A+ by A.M. Best & Aa3 by Moody's
Covers worldwide with or without USA
Comprehensive cover
Offered Plans
Foundation & Standard
Comprehensive
Prestige & Prestige Plus
Major Benefits
Top rates insurance products at your service
Flexibility to move around the world with same plan
Support of a french insurer throughout the world
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Health Insurance Insights
Health Insurance & Covid
Most health insurance plans provide coverage for COVID-19 testing and treatment, including hospitalizations, doctor visits, and medications related to the virus. However, coverage details may vary, so it is important to review your policy or contact your insurance provider for specific information.
Health Insurance & Pre-existing Conditions
Health Insurance & Expatriates
Health Insurance FAQs
Health insurance is a form of coverage that helps individuals and families pay for medical expenses. It typically involves a contract between the policyholder and an insurance company, where the policyholder pays regular premiums in exchange for financial protection and access to healthcare services.
Health insurance provides financial protection against the high costs of medical care. It ensures that individuals have access to necessary healthcare services, including doctor visits, hospitalizations, medications, and preventive care. Having health insurance can help mitigate the financial burden of unexpected medical expenses and provide peace of mind in case of illness or injury.
The coverage provided by health insurance varies depending on the specific plan and insurance provider. Basic health insurance starts with hospital plan, and other benefits can be added on top. Most health insurance plans offer coverage for essential medical services, such as doctor visits, hospital stays, surgeries, diagnostic tests, prescription medications, and preventive care. Some plans may also include coverage for specialized services like mental health treatment, maternity care, or dental and vision care.
It’s important to carefully review your plan to understand exactly what is covered and what is not. Some plans may have limitations on coverage, such as a maximum amount of benefits per year or a specific network of providers that must be used. By understanding your coverage, you can make informed decisions about your healthcare and ensure that you have access to the services you need.
When you have health insurance, you typically pay monthly, quarterly, bi-annual, or annual premiums to maintain coverage. In return, the insurance company helps cover a portion of your healthcare expenses. This could involve co-payments (fixed amounts you pay for specific services), deductibles (the amount you pay before insurance kicks in), and co-insurance (the percentage of costs you share with the insurance company). The specific details of how health insurance works can vary based on your plan’s terms and conditions.
Most health insurance plans have a network of preferred healthcare providers. These providers have negotiated contracts with the insurance company, which often results in discounted rates for covered services. While you can choose to receive care from providers outside the network, it may result in higher out-of-pocket costs. International health insurance plans also offer out-of-network coverage, but the benefits and costs associated with it may differ.
Choosing the right health insurance plan depends on your individual needs and circumstances. Consider factors such as your budget, desired level of coverage, preferred healthcare providers, and any specific health needs or conditions. It’s important to review the plan’s benefits, network, costs, and limitations before making a decision. Comparing multiple plans and seeking guidance from an insurance professional can help you make an informed choice.
Pre-existing conditions refer to any medical conditions or illnesses that an individual has before obtaining health insurance coverage. These conditions can range from chronic diseases like diabetes, heart disease, or asthma to past surgeries, injuries, or mental health disorders.
Insurance companies consider pre-existing conditions when determining coverage and premium rates because individuals with pre-existing conditions may require ongoing or specialized medical care. The presence of pre-existing conditions can affect the cost and availability of health insurance coverage.
It’s important to note that the definition and treatment of pre-existing conditions can vary among insurance providers and countries. Some insurance plans may exclude coverage for pre-existing conditions for a certain period, while others may cover them from the start. In some cases, waiting periods or additional documentation may be required before receiving coverage for pre-existing conditions.
Regulations regarding pre-existing conditions can differ between countries, with some jurisdictions implementing laws to protect individuals from being denied coverage or charged higher premiums based on pre-existing conditions. It’s advisable to carefully review the terms and conditions of a health insurance policy to understand how pre-existing conditions are covered or excluded.
The coverage for pre-existing conditions varies greatly depending on the insurer and the type of plan you choose, as well as their underwriting process. Some insurers have stricter guidelines than others, and the severity of the condition can also play a role. It’s crucial to conduct thorough research and seek advice from your insurance consultant to fully understand the regulations and options available for pre-existing condition coverage.
Making a claim with your health insurance typically involves submitting relevant documents, such as medical bills and receipts, to the insurance company. The process and requirements may vary depending on your insurance provider. It’s important to familiarize yourself with the claim submission process outlined in your policy. Insurance companies usually have specific deadlines and procedures for filing claims, so it’s advisable to adhere to their guidelines to ensure a smooth process.
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