International Health Insurance – Brunei Expat Insurance

1. What is international health insurance?

International health insurance is a type of insurance policy that provides coverage for individuals who are living, working, or traveling outside of their home country. It typically covers medical expenses for illness and injury, as well as other healthcare services such as preventive care, emergency medical evacuation, and repatriation.

2. Who needs international health insurance?
Individuals who are living, working, or studying abroad, as well as frequent travelers and expatriates (people who have permanently relocated to another country), may benefit from having international health insurance. This type of insurance can provide peace of mind and financial protection in the event of unexpected medical expenses or emergencies while overseas.

3. What does international health insurance cover?
The specific coverage offered by international health insurance plans can vary depending on the provider and the policy purchased. Generally, these plans cover a range of medical expenses such as hospital visits, doctor consultations, prescription medications, diagnostic tests, and emergency treatment. Some policies may also include coverage for pre-existing conditions or offer additional benefits like dental and vision care.

4. How does international health insurance differ from travel insurance?
While both international health insurance and travel insurance provide coverage for individuals traveling outside of their home country, there are some key differences between the two types of policies. International health insurance offers more comprehensive medical coverage for longer periods of time (typically 6 months or more), whereas travel insurance is meant to provide short-term coverage for specific trips or periods of travel.

5. Do I need international health insurance if I already have domestic health insurance?
It depends on your domestic health insurance plan and the extent of its coverage while you are abroad. Some domestic health insurance plans may provide limited coverage for emergency situations while traveling internationally, but they may not cover routine care or non-emergency treatments abroad. It’s always best to check with your provider to understand what is covered before traveling overseas.

6. How much does international health insura

2. Why do I need international health insurance?

International health insurance provides comprehensive coverage for a wide range of medical services, including emergency care, hospitalization, prescription drugs, and preventive care. It also typically covers medical expenses incurred while traveling abroad. Having international health insurance ensures that you have access to quality healthcare when you are living or traveling internationally.

Additionally, some countries require visitors to have health insurance in order to obtain a visa or enter the country. In case of any unexpected medical emergencies or illnesses while abroad, having international health insurance can provide peace of mind and financial protection.

3. How does international health insurance differ from domestic health insurance?
International health insurance covers medical expenses incurred while living or traveling outside of your home country, whereas domestic health insurance typically only covers medical expenses within your home country.

International health insurance may also offer additional benefits such as emergency medical evacuation and repatriation services in case you need to be transported back to your home country for treatment. Additionally, international health insurance often has a wider network of healthcare providers that are familiar with the needs of expats or travelers.

4. Can I use international health insurance in my home country?
In most cases, no. International health insurance is designed to cover medical expenses outside of your home country. However, some plans may offer limited coverage for temporary trips back to your home country.

If you plan on spending extended periods of time in both your home country and abroad, it is best to have separate domestic and international health insurance policies to ensure adequate coverage.

5. How much does international health insurance cost?
The cost of international health insurance varies depending on factors such as your age, location, coverage options selected, and any pre-existing conditions you may have.

Generally, premiums for international health insurance tend to be higher than domestic plans due to the added benefits and risks associated with being outside of one’s home country.

6. Can I purchase short-term international health insurance?
Yes, many insurers offer short-term or travel medical insurance for individuals who are planning shorter trips abroad. This type of coverage typically provides limited benefits and is designed to cover emergencies or unexpected medical situations while traveling.

If you plan on being abroad for an extended period of time, it may be more cost-effective to purchase a long-term international health insurance plan.

7. Can I cancel my international health insurance at any time?
Most international health insurance policies require a minimum commitment period and may have cancellation fees. It is important to carefully review the terms and conditions of your policy before purchasing to understand any cancellation policies that may be in place.

In some cases, you may be able to cancel your policy within a certain timeframe after purchasing without penalty. Be sure to check with your insurer for their specific cancellation policies.

8. Do I need international health insurance if I am already covered by my employer’s policy?
It depends. Some employer-sponsored health plans may cover their employees while they are abroad, but it is important to carefully review the details of the coverage to ensure it is adequate for your needs.

Additionally, if you are living or working in a country where healthcare costs are significantly higher than in your home country, or if there are gaps in coverage (such as emergency evacuation), it may be beneficial to supplement your employer’s policy with international health insurance.

3. Will my domestic health insurance cover me while living abroad?

It depends on your insurance provider and policy. Some health insurance plans may offer coverage while traveling or living abroad, while others may not. It’s important to check with your insurance provider before leaving to see if your plan includes international coverage.

4. What are the main benefits of international health insurance?

1. Wide Coverage: One of the main benefits of international health insurance is that it provides coverage for a wide range of medical expenses in various countries, including emergency and routine care, hospitalization, prescription drugs, and maternity care.

2. Access to Quality Healthcare: With an international health insurance plan, you have access to quality healthcare services from top-rated hospitals and providers around the world. This ensures that you receive timely and appropriate treatment for your medical needs.

3. Peace of Mind: Knowing that you have reliable health insurance coverage while living or traveling abroad can give you peace of mind. You can focus on your work or explorations without worrying about unexpected medical expenses.

4. Flexibility: International health insurance plans allow you to choose your coverage based on your individual needs and budget. You can opt for basic coverage or add optional benefits such as dental and vision care.

5. Worldwide Coverage: Whether you are traveling for business or pleasure, international health insurance offers worldwide coverage, giving you the freedom to seek medical treatment in any country without worrying about out-of-pocket expenses.

6. Protection Against Financial Loss: Without proper health insurance, a medical emergency abroad can be financially devastating. Having an international health insurance plan protects you from facing huge medical bills and potential financial ruin.

7. Assistance Services: Many international health insurance plans come with assistance services such as emergency evacuation and repatriation, 24/7 hotline for medical advice, help finding local healthcare providers, and translation services.

8. Pre-existing Conditions Coverage: Some international health insurance plans also offer coverage for pre-existing conditions which may not be covered by local healthcare systems in some countries.

9. Tailored Plans for Expats: Many international health insurance providers offer specialized plans specifically designed for expatriates or long-term travelers to accommodate their unique needs and lifestyle.

10. Cross-Border Portability: Most international health insurance plans allow portability across borders, meaning that your coverage can continue if you move to a new country or return to your home country.

5. Is international health insurance expensive?


The cost of international health insurance can vary depending on factors such as your age, overall health, plan coverage and location. Generally, international health insurance is more expensive than domestic health insurance because it covers medical expenses in different countries and may offer more comprehensive coverage. The cost can also be higher if you choose a plan with a wider coverage area or add on additional benefits such as dental or maternity coverage. It is important to research and compare different plans to find one that fits your budget and meets your specific needs.

6. How does international health insurance differ from domestic health insurance?


There are several key differences between international health insurance and domestic health insurance:

1. Coverage Area: International health insurance provides coverage for medical expenses in multiple countries, while domestic health insurance is limited to a specific country or region.

2. Network of Providers: International health insurance typically offers a larger network of healthcare providers in different countries, while domestic health insurance has a more limited network within its coverage area.

3. Length of Coverage: International health insurance is designed for long-term coverage, often for individuals living or working abroad for an extended period of time, while domestic health insurance may only cover a shorter time frame such as one year.

4. Cost: International health insurance tends to be more expensive than domestic health insurance due to the wider coverage area and higher cost of healthcare in some countries.

5. Services Covered: International health insurance often includes additional services such as emergency medical evacuation and repatriation, translation services and international prescription drug coverage, which may not be covered by domestic health insurance plans.

6. Exclusions: Some international health insurance plans have exclusions for pre-existing conditions or certain high-risk activities, whereas domestic health insurance may provide more comprehensive coverage for these situations.

7. Specific Requirements: When purchasing international health insurance, there may be certain requirements such as proof of residency in a foreign country or obtaining a visa that is not necessary with domestic health insurance.

Overall, the main difference between international and domestic health insurance lies in their scope and focus – international plans cater specifically to the needs of individuals living or traveling abroad, while domestic plans are geared towards providing healthcare coverage within a specific country or region.

7. Are pre-existing conditions covered under international health insurance?

Pre-existing conditions are typically not covered under international health insurance plans. These are conditions that existed before the start date of the insurance policy. However, some international health insurance plans may offer coverage for pre-existing conditions after a waiting period or by paying an additional premium. It is important to check with your insurer about their specific policies regarding pre-existing conditions.

8. Can I choose any doctor or hospital with international health insurance?


It depends on the specific insurance policy you choose. Some international health insurance plans offer more flexibility in choosing a doctor or hospital, while others have specific networks of providers that you must use in order to receive full coverage. It is important to carefully review your policy to understand the restrictions and limitations before choosing a doctor or hospital.

9. What countries does international health insurance cover?


International health insurance typically covers medical expenses for individuals while they are traveling or residing in a foreign country. The specific countries covered will depend on the insurance plan and the insurance provider. However, most international health insurance plans will cover medical expenses in multiple countries, including popular destinations such as the United States, Canada, European countries, and Asian countries. Some plans may also provide coverage in less common destinations or have specific coverage areas (e.g. worldwide except for certain high-risk countries). It is important to check with your insurance provider to see which specific countries are covered under your plan.

10. Do I need to get a medical check-up before purchasing an international health insurance plan?


It is not required to get a medical check-up before purchasing international health insurance, but some plans may require you to provide medical information or undergo a health assessment in order to determine your premium or coverage options. It is always recommended to carefully review the terms and conditions of any insurance plan before purchasing it.

11. Can I choose the length of coverage for my international health insurance plan?


Yes, most international health insurance plans offer flexible coverage options that allow you to choose the length of coverage that suits your needs. Some plans may require a minimum length of coverage, such as 6 months or 1 year, while others offer shorter term options as well. It is important to carefully review the terms and conditions of any plan you are considering to ensure it meets your specific coverage needs and duration.

12. Is emergency medical evacuation covered under international health insurance?

Emergency medical evacuation may be covered under certain international health insurance plans. It is important to check with your specific plan and provider to determine what is covered and what is not. Some plans may offer coverage for emergency medical evacuation if you are injured or become ill while traveling abroad and need to be transported to a hospital for treatment. This type of coverage can be essential in situations where the local medical facilities do not have the required expertise or equipment to treat your condition. Some plans may also cover the cost of repatriation, which involves returning you to your home country for further treatment if necessary. It is important to review your plan’s policy documents carefully and consult with your provider before traveling to ensure that emergency medical evacuation is included in your coverage.

13. Can I add my family members to my international health insurance plan?


Yes, many international health insurance plans allow you to add your family members as dependents onto your policy. Dependents may include a spouse, domestic partner, and/or children. However, the exact details and eligibility requirements may vary depending on the specific insurance plan. It is important to check with your insurance provider for their specific policies and procedures regarding adding family members to your plan.

14. How do I make a claim with my international health insurer while living abroad?


1. Collect all necessary information: Before making a claim, make sure you have all the necessary information such as policy number, member ID, and contact information for the insurer.

2. Understand your coverage: Familiarize yourself with your insurance policy and understand what is covered and what is not. It’s also important to know any deductibles or limits that may apply.

3. Contact your insurer: Most international health insurers have a 24/7 helpline or online portal for submitting claims. Contact them as soon as possible to start the claims process.

4. Fill out the required forms: Your insurer will likely require you to fill out a claim form with details of the medical treatment received and any costs incurred. Make sure to provide accurate and complete information.

5. Submit supporting documents: Your claim will need to be supported by relevant documents such as medical records, receipts, and invoices from healthcare providers. Make sure to keep copies of all documentation for your records.

6. Follow up with the insurer: After you have submitted your claim, follow up with your insurer if you have not received a response within a reasonable amount of time. You may also want to check in periodically on the status of your claim.

7. Be prepared for an investigation: In some cases, your insurer may want to conduct an investigation before approving your claim. This could involve requesting additional information or speaking with involved parties.

8. Receive reimbursement: If your claim is approved, you will receive reimbursement from your insurer based on the terms of your policy and any applicable deductibles or limits.

9. Appeal if necessary: If your claim is denied or only partially approved, you have the right to appeal the decision by providing additional evidence or explaining why you believe it should be covered under your policy.

10. Keep detailed records: It’s important to keep detailed records of all communication with your insurer throughout the claims process in case there are any discrepancies or issues in the future.

15. Does international health insurance cover dental and vision care?

It depends on the specific policy and coverage chosen. Some international health insurance plans include coverage for dental and vision care, while others may offer it as an optional add-on or not at all. It’s important to carefully review the details of the plan to understand what is covered and what is not included.

16. Are vaccinations and routine check-ups covered under international health insurance?


Yes, vaccinations and routine check-ups are typically covered under international health insurance plans. However, the types of vaccinations and frequency of check-ups covered may vary depending on the specific plan and provider. It is important to review your policy details to see what preventative care benefits are included.

17. How do premium rates vary for different age groups in an international health insurance plan?


Premium rates for international health insurance plans can vary significantly based on age. Generally, younger individuals will have lower premium rates compared to older individuals due to their lower risk of developing health conditions and requiring medical treatment.

Some insurance companies may also offer age-banded pricing, where premium rates increase with age brackets. This means that as an individual gets older, their premium rate will increase incrementally at specific age milestones (e.g. every 5 or 10 years).

Additionally, some international health insurance plans may have a maximum entry age, after which an individual may no longer be eligible for coverage or may face significantly higher premium rates.

It’s important to note that premium rates for international health insurance are also affected by factors such as the plan’s coverage limits, deductibles, and the individual’s overall health and medical history. Therefore, it’s best to compare plans and get quotes from multiple insurance providers to find the most suitable and affordable option for your specific age group.

18. Will my prescription medications be covered under an international health insurance plan?


It depends on the specific international health insurance plan you purchase. Some plans may have coverage for prescription medications, while others may not. It is important to carefully review the details of your chosen plan to understand what is covered and what is not. You can also speak with a representative from the insurance company to discuss your specific needs and determine if your prescription medications will be covered under the plan.

19.What happens if I move to a new country during the coverage period of my plan?


If you move to a new country during the coverage period of your plan, it is important to inform your insurance company as soon as possible. The coverage of your plan may change depending on the country you are moving to.

If your insurance company does not have operations in the new country, they may terminate your policy and refund any remaining premium payments. In this case, you will need to purchase a new insurance plan that is valid in your new country of residence.

If your insurance company has operations in the new country, they may allow you to transfer your policy to their branch in that country. However, there may be changes in coverage and premium rates due to differences in healthcare costs between countries. It is important to review the terms and conditions of your policy carefully before making any changes.

In either case, it is crucial to inform your insurance company about your relocation so that they can provide you with updated information and assist you with the necessary steps for maintaining coverage.

20.Can I customize my coverage options in an international health insurance plan?


Yes, you can usually customize your coverage options in an international health insurance plan. Most insurance companies offer a variety of plans with different levels of coverage, allowing you to choose the ones that best fit your needs and budget.

Some common coverage options that can be customized in international health insurance plans include:

1. Medical Coverage: This includes hospitalization, doctor visits, diagnostic tests, and other medical services.

2. Prescription Drugs: Coverage for prescription medications is often included as an optional add-on to a basic health insurance plan.

3. Pre-existing Conditions: You may have the option to include coverage for pre-existing conditions in your plan.

4. Maternity Care and Childbirth: Plans may offer different levels of coverage for prenatal care, maternity check-ups, and childbirth-related expenses.

5. Dental and Vision Care: Some international health insurance plans also offer optional coverage for dental and vision care services.

6. Evacuation and Repatriation: This provides coverage for emergency evacuation to a nearby medical facility or transportation back to your home country in case of a serious illness or injury.

When customizing your international health insurance plan, it’s important to carefully consider your personal healthcare needs and priorities. It’s also advisable to consult with an experienced insurance agent who can help you find the right coverage options for you.