Does it cost extra to use Expat Care+?
No. Your premium is the same as buying the same plan directly from the insurer, based on the same cover and underwriting terms. Expat Care+ adds no service fee to your premium.
What is international health insurance?
It is medical insurance intended for eligible people living outside their home country. The countries, treatment and costs it covers depend on the specific contract. Compare the policy wording as well as the price.
How is it different from travel insurance?
Travel insurance is generally designed for defined trips and eligible travel emergencies. A resident medical policy may address ongoing care. Check the residence, duration and benefit terms of each policy.
Can a pre-existing condition be covered?
Sometimes, but the decision belongs to the insurer. An application may receive exclusions, additional premiums, limits or a refusal. Disclose the requested medical history and obtain the decision in writing.
What does an annual deductible mean?
It is an amount you may need to pay toward eligible treatment before the insurer pays according to the policy. Cost shares, benefit limits and excluded treatment can create other costs.
Is an online quote the final offer?
No assumption should be made until the insurer confirms the application and terms. Underwriting, effective date, residence and the selected benefits can affect the final offer.
Does direct billing mean I never pay upfront?
No. Arrangements depend on the insurer, hospital, treatment and authorization. Deductibles and uncovered treatment may still be payable by you. Confirm arrangements before planned care.
Can I keep my policy when I move?
That depends on the contract and your new residence. Notify the insurer and confirm eligibility, area of cover, pricing and continuation before relocating.
Can I get an instant quote?
Yes. Enter your residence, nationality, ages and deductible tier, then your contact details. The live quote service returns annual premiums and plan benefits. You can compare plans, save a shortlist and download a quote PDF. Final terms depend on insurer acceptance.