Medical care is a stressful enough in the life of someone needing treatment but imagine living abroad , but also your health insurance company says that the application is not covered and will not pay.
NowCompare an international website examined insurance claims made by expatriates from around the world to see what the most frequent complaints are rejected.
Political constraints: The main reason for refusal of the application in the world that demand is not excluded community, but the amount that the claim is not covered by health insurance.
Expatriates are often subject to higher medical costs when living outside their country of citizenship, and must ensure that they have adequate insurance plan in place to meet these costs. The organization of a local plan may not be enough for an expatriate and you should look to invest in international coverage of private health insurance for themselves.
Pre-existing medical conditions: A pre-existing condition is a condition that you had before you buy your health insurance and most of the time, the international health insurance companies in the world does not cover at all.
This can be a source of confusion in the exclusion of many insurance plans that the definition may vary from one company to another. Make sure you are open and honest about your medical history and if in doubt, ask! Whether or not covered, you should know what the risks are exposed to while living abroad.
Medical necessity: Insurance companies often ask if medical treatment is necessary, even if the care or have no effect on the well -being of the patient. Many insurance policies have written exclusion in relation to a cosmetic treatment, holistic treatment or coverage may exclude anything deemed necessary by the term "medical necessity".
Medical necessity is questionable and if the insurance company of your claim is rejected on this basis and feel it is not good, do not give up, sometimes it is a case of the insurance company had not been informed of how treatment was necessary. Ask the doctor tries to explain as clearly in a way that relates to your overall well -being and suffering symptoms.
The overseas health insurance companies often have a bad reputation of wanting to get out of paying a claim. Overall, this is not monitored and businesses may be reasonable and authorize payment if no cap in place. The rule is simple communication, and if you 're worried about something to discuss with the company before buying the insurance. If you need treatment, counseling in advance and be able to confirm that the coverage of the policy or even directly to ensure medical center.
