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Expatriates insurances : exclusions & procedures

Expatriates insurances

For your expatriates insurances, consider general conditions are part of the international insurance. Once you’ve defined your needs and you’ve selected the corresponding benefits, take enough time to read the exclusions. Exclusions are part of the contract and are as much important as the Table of Benefits. Additional limits or restrictions can also be mentioned in this section.

Example: you’ve read that hospitalization is covered up to 100% and therefore you think that your plastic surgeon will be reimbursed.  However, if you read the exclusions, you will note that plastic surgeon can eventually be covered only in certain cases (as a result of an accident for example).

 

Expatriates insurances

Expatriates insurances: prior approval / treatment guarantee

It is also very important to read and respect procedures, especially when direct payment is required. As it is done by the French Social Security for example, treatment guarantee is obligatory for certain benefits (in patient, maternity,..).

For a better understanding and for legal reasons, main and technical words are defined. You should find these definitions in the General Conditions or the Beneficiary Guide. It is probably much better for you and less risky to know what is covered and excluded instead of having a too large “grey zone”.

 

Expatriates insurances

Please pay attention to the local regulation

Please note that subscribing to an international expatriates insurances does not free you from the local regulations. If you are eligible to contribute to the local healthcare system in certain countries and do not have local cover in place, you may be subject to paying a tax levy