As well as there are 2 sides to a coin, expatriates insurances always present a table of benefits and exclusions. Also pays attention to general conditions, which are part of the international insurance.
Once you’ve defined your needs and you’ve selected the corresponding benefits, take time to read the exclusions. Exclusions are part of the contract. They 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%. Thus, 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: prior approval
It is also very important to read and to respect procedures. Especially when direct payment is required. Treatment guarantee is mandatory for certain benefits. for example: in patient, maternity. Treatment guarantee and prior approval are procedures used by the French Social Security. Therefore it is not surprising that claims administrators duplicate them for expatriate medical plans.
Also pay attention to the wording when reading exclusions and procedures. For a better understanding and for legal reasons, main and technical words are defined. You should find these definitions in the General Conditions, and/or the Beneficiary Guide. It is probably much better for you and less risky to know what is covered and what is excluded. In fact, this reduce the “grey zone” for expatriates insurances.
Expatriates insurances: pay attention to the local regulation
Please note that subscribing to expatriates insurances does not free you from the local regulations. If you are eligible to contribute to the local healthcare system, make sure that you are compliant. Otherwise, you may be subject to paying a tax levy.