Choosing Expat Health Insurance外籍人士选择健康保险
As a foreigner in the country, you have to be prepared physically, mentally, financially and emotionally for the challenges and adventures that you will have.作为一个外国人在该国的,你必须准备在身体,精神,在财政上和感情上为应对面临的挑战和冒险,你将有。 Part of the preparation that you will need to include on your list is to get an expat health insurance.筹备工作的一部分,你将需要包括在您的名单,是要得到一个外籍人士的健康保险。 Having an expat health insurance will give you the peace of mind that you will have immediate and appropriate health services in case something unexpected happens during one of your trips.有一外籍人士健康保险会给你一个平静的心态,您将有立即和适当的保健服务,在一些意想不到的情况发生在您的其中一个班次。
When choosing expat health insurance, there are some things that you should consider.当选择外籍人士健康保险,也有一些事情,你应该考虑的问题。
Just like most people who buy health insurance, one of the first things to consider in the expat health insurance is the cost.就像一般人谁买健康保险,其中的第一件事要考虑,在外籍人士健康保险的成本。 The price of the expat health insurance varies from one person to another.价格的外籍人士健康保险不同,从一个人到另一个。 The quote is based on the age of the person, the location, the type of coverage that you choose and if you have any pre-existing conditions.报价是基于年龄的人,地点,类型涵盖您选择,如果您有任何事先存在的条件。 The presence of pre-existing conditions could make your expat health insurance quote higher than that of a person without any health issues.在场的前现有条件,可以让您的外籍人士健康保险报价高于一个人没有任何健康问题。
Get an expat insurance company that you can trust.得到一个外籍人士保险的公司,您可以信任。 Ask the expat insurance company how long they have been in business.请问外籍人士保险公司多久,他们已经在业务上。 Ask for papers as proof.要求的文件作为证明。 It is less risky to deal with an expat insurance company that has been in business for at least ten years.这是风险较低的处理与一外籍人士保险公司已在业务上至少十年。 For recommendations on expat health insurance companies, you may ask your friends and the consulate or embassy of the country.建议对外籍人士的健康保险的公司,你可能会问,您的朋友和大使馆或领事馆的国家。
If you currently have insurance, ask how will getting an expat health insurance affect it?如果您目前有保险,请问如何将获得一外籍人士健康保险的影响呢? Some expat insurance companies will allow you to switch terms from a different insurer without having a waiting period for the approval of your expat health insurance.一些外籍人士保险的公司将允许您切换条款从一个不同的保险人无须等待期为批准您的外籍人士的健康保险。
Is your family with you, or are you planning to have a family?是你的家人与您,或您的规划有一个家庭呢? Ask the expat insurance company if they have coverage for your family members and how you can get insurance coverage for your kids.请问外籍人士保险公司,如果他们的覆盖面为您的家庭成员,以及如何可以购买保险,为您的孩子。
When choosing an expat health insurance company, inquire on the terms when having your treatment.当选择一外籍人士健康保险的公司,询问有关条款时,您的治疗。 Can you choose your own doctor or do you just have to go to the doctors and hospitals that are affiliated with the expat health insurance company?您可以选择自己的医生,还是你刚才要到医生和医院附属与外籍人士健康保险的公司?
Request for information on how to file expat health insurance claims.提供资料的要求就如何档案外籍人士健康保险索赔。 Make sure you understand the process and that the process of filing a claim is easy, practical and will not cause you or your family much disadvantage.确保您了解的过程,以及过程中提交的索赔很简单,实用,并不会造成您或您的家人更不利的地位。
When traveling internationally, it is important that you get an expat health insurance to cover any health issues that you might encounter.旅行时在国际上,这是非常重要的,你得到一个外籍人士的健康保险,以支付任何健康问题,您可能会遇到。 You wouldn’t be sure how your body would adapt to the geographic changes.你不会知道如何你的身体会适应的地理变化。
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