Michael Smith

The thought of settling in Brazil can be an exciting one and there are many things to consider including what the healthcare system is like. Brazil’s medical system is something that every Expat needs to be mindful of, so here are some important tips on using the healthcare system in the Land of the Holy Cross.  1. Public […]

Understanding what hospital cash benefit means and how it works  What is a hospital cash benefit in health insurance?  The meaning of hospital cash benefit can also be known as in-patient cash benefit, in-patient hospital cash benefit and state hospital cash benefit in your medical insurance policy. It is health insurance benefit where monies are paid by the insurance company when treatment and/or accommodation for medical treatment,

Understanding what exclusions in health insurance mean and how they work.  What is a health insurance exclusion?  A health insurance exclusion refers to conditions, situations or events which are not eligible for reimbursement under an international medical insurance policy. These can usually include things like war, self-harm, terrorism, HIV/AIDS, cosmetic surgery, injuries arising from dangerous hobbies and pre-existing conditions (depending on what that condition is).  

When you become an expat in Malaysia, you have many different things to consider including the country’s health care system.   1. Public Healthcare  In Malaysia, public hospital services are available for all citizens and permanent legal residents. Malaysia’s Ministry of Health provides universal access to healthcare through a network of clinics and hospitals nationwide.  Treatment at public hospitals is very affordable, but the facilities do suffer

What is a Deductible?  Deductible is the amount of money that you must pay before the insurance company will start paying for medical expenses. Your deductible is subtracted from your reimbursable sum when a claim is made. They can be per sickness/injury, per health insurance period or per year and usually applies to each insured member

When it comes to the cure of cancer, the medical field has witnessed some superb advancements over the past 20 years. As the number of cancer cases rose, so did the cancer survival rates. The key reason for this is the medical advancements including the bone marrow transplant which is implemented to combat specific kinds of cancer.  What is bone marrow transplant cover

As an expat living in the Philippines, you have many things to consider, including the country’s healthcare system. There are different levels of healthcare costs across the country, therefore, we have put together a practical guide on what to expect when using the healthcare system there.  1. Public Healthcare  Public hospitals in the Philippines are limited in the services and treatment they can provide. The migration of

Gaining a good understanding of healthcare can be a challenge so knowing the meaning of regularly used terms such as coinsurance is really helpful. It will help you know more about when and how much your medical payment actually is. Here we have put together important tips on how coinsurance works, what coinsurance means, why is coinsurance important and how coinsurance and

Understanding what hazardous sports coverage means and how it works.   Although exercising regularly is an excellent activity to be engaged in, we can risk causing physical harm. Taking some rest will heal minor injuries whereas major injuries that can arise from dangerous sports which have severe consequences on a person’s life quality.   Here are some questions you might consider when it comes to hazardous sports coverage on health insurance.   What is hazardous

What is Medical Evacuation Coverage?  The medical evacuation benefit on your medical insurance plan refers to reimbursement to cover transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby.   How does Medical Evacuation work?  A medical evacuation is when you, as a patient, are transported from a healthcare provider with insufficient