• Expatriate Health Insurance Blog

  • Thursday, February 22, 2018

In order to assist in clearing their backlog of operations, quite a number of NHS Trusts have been coming to short-term arrangements with private hospitals. For this reason, appointments for planned, discretionary processes can be hindered occasionally by unanticipated situations that are beyond the control of the Trust. Example of such unexpected situation is the harshly unfavorable weather conditions. On the other hand for instance, heavy snow can add to sharp attendances at Accident and Emergency Departments, at the same time as also preventing elective patients and the staff to offer them treatment from getting to the hospital. Situations like those mentioned above have incidental effect on the waiting list of NHS.
However, an increasing number of patients are looking into private healthcare provision with the heap of pressures on the NHS to deliver timely services. This strange of going private might appear intimidating for a lot of people. Nevertheless, if you follow just a few basic steps, you will be free to enjoy the best of both private healthcare and expatriate health insurance as alternatives to state health provision and NHS.
For example, good number of private hospitals can carry out tests more quickly than the standard NHS route and at a time that is expedient to the individual should these tests or investigations be required. It is no more news to us that it can be worrying and frustrating business, waiting to see the specialist or hospital consultant, despite the fact that the existing 18 weeks policy of NHS has sought after address this issue.
The majority of consultants work in both private practice at a local private hospital and an NHS hospital. The GP of those patients who desire to see a hospital specialist privately is able to make a referral on their behalf. Several people make the choice of private healthcare in order to ascertain that they are seen by a meticulous consultant of their choice that might be one they have seen before or had been recommended to them.
Generally, it will take two or three weeks to see a specialist when you book an appointment via the private healthcare route and the secretary to he consultant liaises directly with the hospital concerning the admissions of patients. It is possible for patients to get in touch with their local hospital and find out where a particular specialist bases his private practice, even though private hospitals are not permitted to recommend individual consultants.
There are a lot of services including physiotherapy and health screening that can be arranged by a direct contact with the hospital. Therefore, it is not always essential to access private healthcare through the GP. For many people, taking out expatriate health insurance or private healthcare is the answer because it is popular to those who live abroad. Expatriate health insurance cover will give you the option of making use of the well-known State or NHS route of accessing services direct.

If you want to get the best of expatriate health insurance, it is very important to employ the service of professional insurance company. As there are numbers of these companies on the internet, you need certain tips to guide you in selecting the best insurance company for your expatriate health insurance service.
When you are seeking the service of an insurance company for your expatriate health insurance, make sure that the company is knowledgeable enough to provide you with excellent service. Such a company must understand how to handle claims in efficient and timely way. On the other hand, select the insurance company that will be ready to pay your claims as at when due.
On the other hand, before you have any dealing with an insurance company, you need to know the standing of the company very well. In other words, know the character of the insurance company before you enter into expatriate health insurance with them. This is essential because the internet is full of various characters, both good and bad. Many insurance companies will pretend to be of good character, but reverse is the case. Therefore, find out very well!
Furthermore, choose the insurance company that will accommodate your lifestyle. Be aware that the contract of insurance is that of “utmost good faith”. Therefore, search for that expatriate insurance company that will cover you for any injury or accident in the course of living your lifestyle. For example, if you take part in sporting activities or other unsafe hobbies, declare this to the insurance company so that they will offer you the best plan that will suit the type of lifestyle you live.
In addition, you must select an insurance company that will be ready to offer you all round support throughout the year. In other words, you must have access to customer service and assistance at any point you may require help during the expatriate health insurance contract. By so doing, you are certain that you can speak to an agent of the insurance company quickly if there is any emergency and necessary action will be taken without delay.
When it comes to the issue of selecting insurance company for your expatriate health insurance requirements, you need to select the best company to have value for your money. Hence, choose a company that will offer you excellent customer service, cover you irrespective of your lifestyle, a company of good standing as well as a professional insurance company with expatriate health insurance knowledge.


When you are preparing yourself to work abroad as an expatriate, do not take your expatriate health insurance policy with lightheartedness. This is due to the fact that when it comes to health in a foreign land, you have to pay through your nose if you are not covered. In a situation where you fail to purchase expatriate health insurance when traveling abroad, you will be denied of medical treatment while abroad. Hence, expat health insurance is not negotiable when it comes to traveling abroad to work as an expatriate with valid documents.
However, if you have traveled abroad without expat health insurance by omission or commission, you better get yourself protected right away. When you obtain expatriate health insurance policy, it is as if you are saving against the rainy day or investing on your health because your policy will cover medical bills of a certain amount. Interestingly, you don’t have to do it all alone as there are many insurance agencies that are readily available to assist you. All you need to do is to ascertain that you select the right agency.
If you are fortunate enough, expatriate health insurance will be part of the package that your employer will offer you. This will save you the burden of searching for the best insurance agency that will offer you the best service. Nevertheless, corroborate your expatriate health insurance with your employer to ensure that same is handled by experienced insurance agency to avert future problems.
Also, to feel safe when unexpected occurs, make sure that you are covered by good and complete policy. In other words, if you are a non citizen without cover, you may be denied treatment or given emergency treatment. You might even not be treated even if your officially authorized documents showed that you are existing resident.
The fact that you are not sick at present does not mean that you don’t require expat health insurance. Always think of the time when accident and illness will strike suddenly as this is inevitable. If you are not covered and wish to obtain treatment in a private hospital, you must be prepared to pay high medical bills and you have to pay all alone. Therefore, get insured!


Overseas Expat Medical Insurance (limited home country cover)
Worldwide Expat Health Insurance (home country included)