When selecting the best international health insurance for a year-long stay in Asia, several factors should be considered:
Coverage Scope: Ensure the insurance policy covers a wide range of medical services including emergency hospitalization, outpatient services, prescription medications, and specialist visits. Verify that it covers COVID-19 related medical care, which many insurers now include due to the pandemic.
Network and Accessibility: Opt for a provider with an extensive network of hospitals and clinics in Asia. This ensures you can access services without upfront payments, which is convenient and can save you money.
Country-Specific Needs: Check if the policy provides specific coverage for countries you plan to visit, as some locations might have higher medical costs or unique healthcare requirements. For instance, healthcare in places like Singapore or Japan can be expensive, so confirm that your insurance covers sufficient treatment costs in these countries.
Exclusions and Limits: Read the policy carefully to understand exclusions and coverage limits. Pay attention to any pre-existing conditions, extreme sports coverage if you’re adventurous, and other typical exclusions.
Cost and Deductibles: Consider the cost of the premium relative to the coverage offered and examine the deductibles you will need to pay out-of-pocket before insurance covers the rest.
Customer Service and Claim Process: Choose an insurer known for excellent customer service and a straightforward claim process, ideally with a 24/7 emergency assistance hotline.
Additional Benefits: Some policies offer additional benefits like repatriation, travel disruption coverage, or even perks like wellness programs. Decide what extras might be beneficial for your travels.
Some well-known providers that often receive positive reviews for international health insurance include Allianz Care, Cigna Global, and World Nomads, among others. Each offers various plans that cater to long-term travelers. Comparing several policies based on these criteria will help you find the most suitable option for your needs.
