Medical Insurance

what is premium loading

Understanding Premium Loading in Health Insurance Policies

What is Premium Loading in Health Insurance Plans?  Premium loading in medical insurance is an additional charge to your regular premium that covers an individual who is likely to make claims due to a pre-existing medical condition.   For example, when you are diagnosed with a specific medical condition that could occur again such as a heart attack, you are more likely to make a claim from …

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physiotherapy benefit

Your Guide to Physiotherapy Benefit on Your Health Insurance

Whether you have been an insured for a long period of time or you are new to medical insurance, being mindful of all of the benefits on your plan is important.  Reports from insurers tell us that one of the most commonly claimed for parts of a health the concept of physiotherapy cover is essential to your health insurance plan for expats is for physio. To help you understand this benefit better we have put together a hands-on guide about …

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pre existing medical condition

What to Consider If You Have a Pre-existing Medical Condition

If you have a pre-existing medical condition, that means you have a disease or illness for which you had symptoms, required treatment, or which you were aware of, although you did not seek treatment for it before the start of your medical insurance policy.   Insurers may consider any medical condition you may have had in your life before buying an individual medical plan as …

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is critical illnesss insurance worth it

Your Guide to Critical Illness Insurance

Getting a critical ailment can take place quite fast and it typically happens when you are barely prepared for it. You can never imagine how much the medical treatment of such illnesses is going to cost you. Is critical illness insurance worth it? Here we have put together a practical guide on various aspects of insurance coverage of critical illness.   1. What’s critical illness insurance?  Critical illness …

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expat health insurance myanmar

Expat Health Insurance Myanmar and Myanmar Health Care System

If you plan to become an expat in Myanmar, there are many different things you need to consider when it comes to medical care. The Myanmar health system is still developing throughout the country so here we have provided you with a practical checklist on using the healthcare system of The Land of the Golden Pagoda.  Public Hospitals in Myanmar Public hospitals …

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expat life laos healthcare system

A Guide to Expat Life in Laos and Laos’ Healthcare System

Expat Life Laos and Laos’ Health System If you are considering working or living in Laos as an expat, there are normally many points to be aware of, including the country’s healthcare environment. Costs of medical treatment vary tremendously all over the country, therefore we have compiled a practical guide on using Laos’ healthcare system.   1. Public Hospitals in Laos  In Laos, the public …

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private medical insurance full medical underwriting

Full Medical Underwriting

Private Medical Insurance Full Medical Underwriting What is Full Medical Underwriting?  Full Medical Underwriting (FMU health insurance) is a process in which you get to fill out a medical declaration and understand exactly which medical conditions you get coverage for and which ones are not excluded. It is one of the two key underwriting choices offered by most insurers for expats. The other underwriting option is moratorium.  …

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outpatient cover health insurance

When Should You Consider Not Buying Outpatient Cover on Your Health Insurance

Outpatient Cover Health Insurance As an expat, having both inpatient and outpatient coverage on your health insurance policy will mean paying a higher premium. Here we will look at the specific occasions in which you might not need to include outpatient coverage on your medical insurance, allowing you to save money along your insurance journey.  1. You and your family have no requirements to regularly visit doctors  …

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An Expat Guide to Indonesia’s Medical System

An Expat Guide to Indonesia’s Medical System Once you are an expat in Indonesia, there are a multitude of things to consider and the country’s healthcare environment is no exception. Healthcare costs differ tremendously throughout the country, therefore, we have compiled a practical checklist on what to expect when it comes to utilizing the system of medical care there.  1. Public Healthcare  Despite the …

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