Choosing Expat Health Insurance外籍人士選擇健康保險
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.作為一個外國人在該國的,你必須準備在身體,精神,在財政上和感情上為應對面臨的挑戰和冒險,你將有。 Part of the preparation that you will need to include on your list is to get an expat health insurance.籌備工作的一部分,你將需要包括在您的名單,是要得到一個外籍人士的健康保險。 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險會給你一個平靜的心態,您將有立即和適當的保健服務,在一些意想不到的情況發生在您的其中一個班次。
When choosing expat health insurance, there are some things that you should consider.當選擇外籍人士健康保險,也有一些事情,你應該考慮的問題。
Just like most people who buy health insurance, one of the first things to consider in the expat health insurance is the cost.就像一般人誰買健康保險,其中的第一件事要考慮,在外籍人士健康保險的成本。 The price of the expat health insurance varies from one person to another.價格的外籍人士健康保險不同,從一個人到另一個。 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.報價是基於年齡的人,地點,類型涵蓋您選擇,如果您有任何事先存在的條件。 The presence of pre-existing conditions could make your expat health insurance quote higher than that of a person without any health issues.在場的前現有條件,可以讓您的外籍人士健康保險報價高於一個人沒有任何健康問題。
Get an expat insurance company that you can trust.得到一個外籍人士保險的公司,您可以信任。 Ask the expat insurance company how long they have been in business.請問外籍人士保險公司多久,他們已經在業務上。 Ask for papers as proof.要求的文件作為證明。 It is less risky to deal with an expat insurance company that has been in business for at least ten years.這是風險較低的處理與一外籍人士保險公司已在業務上至少十年。 For recommendations on expat health insurance companies, you may ask your friends and the consulate or embassy of the country.建議對外籍人士的健康保險的公司,你可能會問,您的朋友和大使館或領事館的國家。
If you currently have insurance, ask how will getting an expat health insurance affect it?如果您目前有保險,請問如何將獲得一外籍人士健康保險的影響呢? 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.一些外籍人士保險的公司將允許您切換條款從一個不同的保險人無須等待期為批准您的外籍人士的健康保險。
Is your family with you, or are you planning to have a family?是你的家人與您,或您的規劃有一個家庭呢? Ask the expat insurance company if they have coverage for your family members and how you can get insurance coverage for your kids.請問外籍人士保險公司,如果他們的覆蓋面為您的家庭成員,以及如何可以購買保險,為您的孩子。
When choosing an expat health insurance company, inquire on the terms when having your treatment.當選擇一外籍人士健康保險的公司,詢問有關條款時,您的治療。 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?您可以選擇自己的醫生,還是你剛才要到醫生和醫院附屬與外籍人士健康保險的公司?
Request for information on how to file expat health insurance claims.提供資料的要求就如何檔案外籍人士健康保險索賠。 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.確保您了解的過程,以及過程中提交的索賠很簡單,實用,並不會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.旅行時在國際上,這是非常重要的,你得到一個外籍人士的健康保險,以支付任何健康問題,您可能會遇到。 You wouldn’t be sure how your body would adapt to the geographic changes.你不會知道如何你的身體會適應的地理變化。
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