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Expat Cover Club, Paris (2025)

18/03/2024

When reviewing the vision/optical benefit of your expat health insurance, it's crucial to focus on a few key aspects:

- Check how much the plan contributes towards optician fees, considering the options available.

- Look for coverage of basics like annual eye tests, prescribed glasses, and contact lenses for prescription changes.

- Watch out for any waiting periods before you can access certain services, like getting new lenses or undergoing eye surgery.

- Make sure to understand how the plan handles eye disorders such as cataracts or glaucoma within its broader healthcare coverage.

And don't forget, in your pre-departure checklist, that it's always a good idea to renew your glasses or stock up on contact lenses.

15/03/2024

Too often overlooked once purchased, the additional services linked to your expatriate health insurance policy can really make a difference to your overall experience. These services are often available as early as the hospitalization package, and generally include :

- Medical second opinion service
- Legal and financial assistance
- Travel security services
- Mobile applications providing wellness resources

When choosing your expatriate health insurance, it's crucial not to focus solely on the basic aspects of medical coverage. The additional services offered can greatly enhance your quality of life abroad and give you extra peace of mind in the face of the unexpected. But don't forget them once you've subscribed!

11/03/2024

The companion benefit (also called accompanying person benefit) in expat health insurance plays a crucial role in providing support during challenging times. Typically falling under evacuation or assistance benefits, it covers reasonable travel expenses for a local companion visiting the insured person in the hospital. This includes round-trip tickets and accommodation costs for one accompanying person during an evacuation.

Moreover, the benefit extends to accompanying any insured children under 18, ensuring comprehensive coverage for the parents or guardian with travel organization and accommodation.

This feature not only prioritizes the well-being of the insured expatriate but also recognizes the importance of a supportive network during health crises, fostering a sense of security for expats and their families.

This is another important clause that is sometimes included as an option, so be sure to check your policy before selecting an insurance policy.

08/03/2024

Medical evacuation differs from repatriation in the context of expatriate health insurance. Whereas repatriation returns the individual to his or her country of origin or residence prior to expatriation, medical evacuation involves transport to specialized medical facilities, often neighboring the country where the accident or illness occurred. This is the case when the place of residence or work cannot provide the necessary care.

Some policies will list cases where evacuation is covered, for example:
- Evacuation to the appropriate medical center in the absence of local treatment.
- Evacuation in case of lack of adequately tested blood.

Expatriate insurance policies generally include this coverage, ensuring adequate care in the event of a medical emergency. Despite the high costs covered by insurance, medical evacuation guarantees rapid intervention, underscoring its importance for expatriates.

Medical evacuation is often included by default, but not necessarily repatriation. Another thing to check and understand when reading your insurance policy.

06/03/2024

Some expat health insurance plans go beyond typical coverage, offering a valuable second medical opinion service for individuals facing serious illnesses or recommended surgeries.

It is often vital for confirming diagnoses, exploring alternative treatments, and ensuring accurate, personalized care. It provides peace of mind, empowers patients to make informed decisions, and often leads to improved treatment outcomes, particularly in complex cases.

The focus is not always on changing diagnoses but ensuring individuals are on the right treatment path, offering peace of mind and awareness of alternative options.

In most expat health insurance users can request this easily through their customer area, and some teleconsultation services are now specialized in delivering quality second opinion.

Something more for you to check when contemplating your new health coverage benefits table.

05/03/2024

Expat health insurance claims for reimbursement involve various processing methods.

• Direct billing allows medical providers to bill insurers directly.
• Traditional reimbursement requires expats to pay upfront, submitting claims later.

Nowadays most insurers will offer a 100% digital experience either by app or online portals for swift digital submissions.

Some insurers still fix a maximum amount that can be claimed digitally so make sure to check prior to enrollment.

01/03/2024

Your spouse, residing in his/her home country, isn't classified as an expatriate and can't obtain expatriate health insurance. However, he/she can be included as a beneficiary in your expatriate insurance, ensuring identical health expense coverage.

Some things to note though:

- the non-expatriate status in your current country may limit certain benefits in some expat health plans optional benefits around Life & disability benefits

- specific repatriation assistance services, aiming to return insured individuals to their home country, might not be available.

28/02/2024

Expat health insurance plans have been specifically designed to serve the needs of individuals living abroad for over a year. Most plans will have a minimum period of membership, the minimum period for which you will have to pay the premium for before you can cancel your subscription, but it varies among insurance providers.

It's essential to review the terms and conditions of the specific expat health insurance plan you are considering, as these details are outlined in the policy documents.

Understanding the minimum period of membership is crucial to ensure that the insurance plan aligns with your needs, particularly if you have short-term or specific duration requirements. You might want to look at temporary health insurance in those cases.

27/02/2024

Waiting periods (also known as qualifying periods) in expat health insurance refer to the specified duration during which certain coverage benefits are not applicable after policy initiation. Common in pre-existing conditions or maternity coverage, these periods safeguard insurers against immediate claims.

We previously discussed the potential impact of a waiting period on your plans for having a baby abroad. However, it's equally important to comprehend waiting periods for other benefits. A clear understanding of waiting periods is essential for policyholders to strategically plan their healthcare and set realistic expectations..

Common waiting periods

• psychiatric care and treatment
• dental care
• vision care
• maternity
• Elective procedures and surgeries
• Some specialist consultations or treatments
• Substance abuse treatment
• Rehabilitation services
• Organ transplants and related procedures
• Certain diagnostic tests or screenings

Apart from that, in the majority of instances, your coverage will commence as soon as your enrollment application is approved.

26/02/2024

Emergency hospitalization ensures immediate medical attention and rapid access to specialized care. Temporary health insurance, focusing on emergency hospitalization, contrasts with expatriate insurance covering all medical care, including planned hospitalization.

When looking at securing an expatriate health insurance, take those few points into account:

• Check if it covers for trips outside the selected zone of coverage

• Check the duration of trips (for example less than 60 consecutive days)

• Check the level of coverage. Most plans will cover Emergency hospitalization with the same levels as a normal or planned hospitalization.

Please note that emergency care services are not considered hospitalizations. If you leave the emergency department without being admitted to a hospital ward (general medicine, orthopedics, pediatrics, etc.), it will not be classified as hospitalization.

23/02/2024

When reviewing expat health insurance policies, prioritize coverage for private rooms in hospitals, maternity wards, and specialized treatment centers.

Ensure comprehensive post-surgery recovery room, rehabilitation facility, and long-term care coverage. Look for transparent language on coverage limits, deductibles, and exclusions.

• Check if it is private room or not
• Check if it includes a cap on hospital room expenses, limiting it to a certain cost per day and also in some cases number of days.

As previously shared, the network of hospitals and healthcare providers is very important to ensure accessibility. Consider the policy's flexibility in adapting to changing needs and locations.

A well-rounded policy should not only provide medical coverage but also prioritize your comfort and well-being.

21/02/2024

Pre-existing medical conditions include current or recent treatments and any health problem existing at the time of enrolling to a medical insurance plan.

These elements must be carefully declared in the health questionnaire. Their omission may result in their exclusion from coverage.

An inaccurate declaration can even void the contract. All mutual insurance companies for expatriates require the completion of a health questionnaire upon membership.

It is imperative to complete it truthfully to avoid any refusal of warranty or subsequent cancellation of the contract. Understanding and following these procedures is essential for adequate medical coverage.

Expat Cover Club

18/03/2024

15/03/2024

11/03/2024

08/03/2024

06/03/2024

05/03/2024

01/03/2024

28/02/2024

27/02/2024

26/02/2024

23/02/2024

21/02/2024

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