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Expat Investor : May June 2009
EXPAT HEALTH Case studies Here are three case studies outlining what the experts consider essential bottom line benefits for expats in Dubai, Hong Kong and Spain. SPAIN InterGlobal outlines the must-have bottom line benefits for a retired couple, who are in their early sixties and enjoy good health, living in southern Spain. What are bottom line benefits of an international health insurance open at the weekends. Can you get in touch with them around the clock, 365 days a year? “Another important consideration is whether you have access to an emergency evacuation or repatriation service. This means that in case of an emergency, if, in the opinion of an appointed doctor, you can’t get suitable or adequate in-patient treatment locally, you will be moved to the nearest appropriate facility to receive the required care. “Unfortunately, none of us is able to predict which health issues may affect us in the coming year. What is important to remember is that you buy a policy that’s relevant to you and one that offers you peace of mind and cover for any unforeseen circumstance that may arise in the future.” Here are BUPA International’s tips for finding a package of essential benefits. ● Make sure you choose an insurer that will provide worldwide cover, giving cover whenever and wherever you need it. ● Select a scheme that covers immediate emergency care, referral to a specialist or hospital if necessary, therapist treatment, dental treatment, hospital treatment and in-patient care. ● Ensure you have 24-hour access to help and advice. A good insurer will have a multi-lingual helpline open every hour of every day of the year. ● Choose an insurer that has direct settlement arrangements with hospitals and clinics to save you time, money and inconvenience. ● Ensure you will be able to keep an eye on your scheme details and track individual claims online. ● Routine illness is the most common reason for making a claim, so it is important you are protected against such eventualities. ● It is important for your insurer to pay claims in local currency so you avoid losing out on exchange rates. Because nothing in the world matters more than each other AXA PPP healthcare brings you great British health cover. Wherever you live in the world Your health is everything. So it pays to take the best possible care of it. Whether you’re a resident expatriate or a local national – working, travelling or retired – our International Health Plans bring priceless peace of mind. We’ll give you prompt access to private medical treatment, a choice of hospitals, emergency evacuation or repatriation, and many more benefits. We even have an English-speaking health information line – on call for you, 24/7. With over 35 years’ of international experience, and over 2 million customers in the UK and worldwide, you can trust AXA PPP healthcare to protect the health of those you care for. Join now – and get up to two months cover, completely free. all +44(0)1892 550814 quoting reference EI5555 or visit www.axappphealthcare.co.uk/expat_investor All claims will be assessed against the terms and conditions of the chosen product and any individual exclusions placed on your policy at joining. plan? Is it a comprehensive emergency evacuation benefit or simply having your medical bills covered? Bottom line benefits depend on the person and where they are living. If you are a retired couple living in Spain with good health, you are unlikely to consider comprehensive emergency evacuation as a bottom line benefit as it is a country where the need for an evacuation due to nearby inadequate medical facilities is very low. Spain is renowned to have good access to hospitals and healthcare and an emergency evacuation is very unlikely to be needed. If you are living in Spain where medical facilities are of a high standard, receiving in- and outpatient treatment with as little hassle as possible is important, as you want to be able to relax with the knowledge that you are covered should medical treatment be required. Having the freedom to choose which hospital to visit in order to receive medical treatment, as well as the choice to be able to either return home or travel to another country and still be able to receive treatment, are key benefits to consider when purchasing an international healthcare plan. Complementary medicines such as Chinese herbal medicine, osteopathic, chiropractic and acupuncture treatments are becoming increasingly popular as alternative methods of treatment, and access to these should be considered when purchasing international private medical insurance. Ultimately, what is considered to be a bottom line benefit depends on where you are living and the Continued on page 14 Authorised and regulated by the Financial Services Authority. © AXA PPP healthcare 2008 Lines are open from 8am to 8pm Monday to Friday and 9am to 1pm Saturday (UK time). Calls may be recorded. May/June 2009 ● EXPAT INVESTOR 13
March April 2009