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Checklist for choosing international health insurance

Before selecting an international or expatriate medical insurance policy, you should consider the following:

  • Do you want "budget" hospital-only cover for acute conditions or "comprehensive", which includes out-patient treatments and consultations?

  • Decide what you can afford and what benefits you most want.

  • Fully understand what is not covered as well as what is.

  • Decide what you don't want insurance cover for? (e.g. repatriation/maternity).

  • Decide if you need access to a 24-hour multilingual helpine.

  • Decide if you want to include cover for accidents and injuries.

  • Decide if you want portability: cover that can be continued in another country if you move, without changing the policy or finding a new one.

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