Medical Insurance

Health insurance companies sometime get a bad wrap as people believe that they will always exclude pre-existing conditions no matter what. While this can be true for some specific medical insurance providers others can take a different approach and provide cover for pre-existing conditions.  Here we will look a little deeper into how this works and the ways that medical insurers …

Types of Expat Medical Insurance that Cover Pre Existing Conditions Read More »

The coverage of COVID-19 vaccines can vary from health insurer to health insurer. This depends on the risk carrier of your health insurance plan.   Some important points worth checking on your plan include:  A) Vaccinations must be covered under the general terms and conditions of your plan.     B) The vaccine must be recognized and approved by the health authorities …

Are COVID-19 Vaccines Covered by Health Insurance? Read More »

There are a number of reasons why health insurance claims are rejected. Although this doesn’t happen very often, when it does take place, you should be in a position where you are mindful of the steps you need to follow.   In this article, we provide you with a guide on why your health insurance claims got rejected and what to do …

What to do if a health insurance claim is denied? Read More »

What is a health insurance claim? How do we properly submit a health insurance claim?   As we all know, a health insurance claim is what a medical insurance policyholder requests the health insurance company so as to receive the medical services that are included in their health insurance plan.   In this article, we provide you with a detailed guide on …

What are the different types of health insurance claims? Read More »

So what are some factors that affect term health insurance premiums?  1. Type of Health Insurance Policy  Health insurance policies that cover chronic conditions will have higher premiums than those that are able to cover only more acute diseases or mild medical conditions. Additionally, an individual health insurance policy will cost less than a medical insurance plan that covers more than a single person. In …

How are Health Insurance Premiums Calculated ? Read More »

As an expat living abroad, when you are considering purchasing international medical insurance, the questions that you have on your mind might include “Is vision insurance for individuals worth it?” or even “Do I need vision insurance at all?” Whether it is worth the bang for your buck or not, you will find out in this article we have put together for you.   We are also going …

Is vision cover important on your medical insurance? Read More »

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 …

Understanding Premium Loading in Health Insurance Policies Read More »

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 …

Your Guide to Physiotherapy Benefit on Your Health Insurance Read More »

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 …

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

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 …

Your Guide to Critical Illness Insurance Read More »