Health insurance brokers are on your side

Steve Nelson of Medibroker Speaks to Privatehealth UK

Seasoned expatriates understand the importance of international medical insurance when working abroad, so for many employees, ensuring an appropriate international healthcare package is in place before any posting is a high priority. For the employer, sending people overseas represents both a cost and a risk. Ensuring they have access to treatment if they fall ill is a vital part of business as well as human resources planning. Private medical insurance is available for both self-employed individuals and employees working abroad. Policies can be designed to offer cover for major events such as evacuation and hospital treatment, but cover levels can also be varied depending upon the territory. Choosing a provider can uncover a range of difficulties. Few expatriates fit into any convenient one size fits all category, with some having complex medical protection needs that could include, for example, a medical condition such as hypertension. With individuals, this can give rise to a need to negotiate bespoke policies, whilst for groups, depending on the number of lives to be covered, a skilled broker can arrange medical history disregarded terms and of course discounted premium rates. Another fact often overlooked when selecting a provider is that where a pre-existing condition is declared, it is not only that condition but related ones too which some insurers can choose to exclude from the cover, unless this has been specifically negotiated at the outset. So if hypertension is declared, heart attacks and strokes may be omitted from cover. Specialist international insurance brokers Medibroker play an important role ensuring the most appropriate cover levels are in place across all international territories, with cover being varied according to individual need and local regulations. Steve Nelson at www.medibroker.com explains, "Companies sending employees overseas understand that a significant investment in time and money is being undertaken so any placement has to be carefully planned. Their health is essential."

For free impartial information, advice and quotations on working and living overseas come to www.medibroker.com