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Choosing the right health insurance plan for you and your family
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When you’re working or living in a foreign country, it’s important to make sure that your family are taken care of. This can be tough, as depending on where you live local public healthcare facilities and systems may struggle to provide an acceptable level of care, while private facilities may be quite expensive. So it’s important to make sure that your health insurance provides the protection your family needs. Here are some of the things you might want to consider to make sure you have the right plan.

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Make sure your plan suits your family situation

Depending where you and your family are in your journey through life, you will need different things from your family health insurance. If you’re planning on having children for instance, then you’ll definitely want a plan that includes maternity cover.

If you have younger children, you might want to consider a plan that covers the cost of vaccinations, especially if you’re living somewhere with a higher risk of preventable diseases over and above the regular recommended childhood vaccinations. On the other hand, if your children are a little older, a health plan with dental benefits will help cover the cost of getting braces.

Double check your health insurance plan will cover your inpatient expenses

The biggest medical expense you and your family might face is an unexpected injury or illness which may land you or a loved one in hospital. Depending on the disease or injury, the hospital bill could end up being quite substantial, potentially running up to thousands of euros.

To make sure your policy doesn’t leave you paying a large amount out of your own pocket, it’s important that your family plan has good overall limits (the total amount your plan will cover you in a year). It’s also a good idea to try and avoid health insurance plans that single out specific treatments or hospital fees with a sublimit (i.e. insurance will only cover up to a certain amount of a surgeon’s fees), after all, you want your health insurance plan to be there for your family when you need it.

Covering the cost of trips to the doctor

From ear infections to the flu, having children can mean a lot of trips to the doctor’s clinic, which can make outpatient cover an important part of your family health insurance plan. You’ll want one that gives you a wide variety of protection, including cover for:

  • GP, specialist and consultant fees
  • prescription drugs and dressings
  • expensive diagnostic tests such as CT scans or blood tests

Many of APRIL International’s plans also offer additional benefits, such as cover for a variety of complementary therapies and traditional Chinese medicine while also offering cover for vaccinations and routine medical check-ups.

Making sure you have access to quality healthcare wherever you are

Depending on what country you and your family are living in, the local medical facilities may not be able to provide you with the quality of care you need in an emergency, which means you may need to be transported to a larger hospital in a nearby city or even outside of the country to get the treatment you need.

All of APRIL International’s health plans provide cover for emergency medical evacuations, so that if local medical facilities are inadequate, our teams can arrange to transport you or your loved ones to the nearest facility which can provide the necessary treatment. Many of our plans will also provide additional coverage for things like travel costs, accommodation and other benefits to help you and your family in a medical emergency abroad.

Making sure your family health plan can cover you if you move

For many expat families, the occasional move to a new country is simply a fact of life. If you and your family have to relocate every so often, maintaining healthcare cover can be a challenge. Not every country has a robust public healthcare system, so you may have to rely on private health insurance to make sure you’re not paying out of pocket or that you have access to private hospitals.

However, if you have been using local health insurance plans, then you will have to buy a new one once you relocate to your new home. This can pose a problem, as if you or your family have had any illnesses or injuries in the previous country you lived in, they may be considered pre-existing conditions by the new insurance company. On the other hand, international health insurance plans are portable, allowing you to keep the same protection when moving to a new country and avoid new pre-existing conditions that could not be covered by your new local policy. You can learn more about the differences between local and international health insurance plans here.

Contact APRIL International today about your international health insurance needs

APRIL International has a wide variety of international health insurance plans that can cover you and your family while living and working abroad. We also have short-term international health plans for families planning to be abroad for less than a year, as well as international student medical insurance plans for when your children grow up and head to university. If you have any questions or want help finding the right family health insurance plan, you can contact us today!

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