Six reasons why international health insurance could give you peace of mind – now and in the future
In times of crisis, certain truths become ever more apparent. The rapid spread of the coronavirus across the world is a stark example of how quickly things can change and the value of being prepared for the unexpected.
Nobody can separate themselves from the ups and downs of life. But individuals and families face important decisions about how best to secure some peace of mind. Such choices may loom even larger for expats, as international insurance broker ASN understands.
Here are six reasons why international health insurance could give you greater peace of mind today and in the years to come:
1. Feeling prepared
All insurance is about protecting against risks. Perceptions of risk change over time and sometimes the unexpected hits you without warning. ASN works with a wide range of insurance partners, many of whom offer coverage for pandemics, including the current coronavirus outbreak.
Anyone diagnosed with coronavirus who has such a policy will be covered under the normal terms and conditions of their plan. Depending on your level of cover, this could include a full refund for in-patient hospital charges while being treated for COVID-19 or a significant hospital cash benefit.
2. Personalised plans
Nobody looks forward to a hospital stay. But a bespoke insurance policy could make it easier by enabling you to choose which hospital you are treated in – and whether you will have a private room.
Most people infected with coronavirus simply need to self-isolate at home. But even the fit and healthy face a small risk of complications that require hospital treatment. Many of ASN’s partners work directly with hospitals on a case-by-case basis, building relationships and helping to curb medical inflation.
3. Coverage beyond borders
The current crisis has led to unprecedented closures of international borders. Huge numbers of people have either been left stranded or facing difficult choices about whether to cancel travel plans.
Specialist international health insurance offers you more when you are abroad, whether as an emigrant or a frequent traveller. ASN can select insurance offering global coverage and access to a worldwide network of leading doctors and hospitals to choose from. You can also opt for a policy that offers medical evacuation and repatriation where necessary.
4. Clear round-the-clock communication
Amid uncertainty and anxiety, clear communication from a trusted source that remains readily available can seem invaluable. Some insurance providers now offer member services 24/7 through contact options such as WhatsApp, phone hotlines and live chat. ASN support officers also remain available by email and phone during the pandemic. The company reminds everyone to follow safe practices outlined by the World Health Organization and to continue social distancing.
5. Putting family first
Illness can be hugely disruptive to family life. If you suspect you have coronavirus, your first concern might be about the potential implications and impact for your family members. ASN has strong partnerships with providers that offer a wide choice of individual or family-based policies.
One has already extended the claim submission period from six to nine months for members with COVID-19, so they can focus on recovering fully with support from their family. It has also pledged faster turnaround times for pre-authorisations of treatment and claims relating to COVID-19.
6. Facing the future
Healthcare in the 21st century is changing. From ageing populations to the potential of highly personalised ‘precision medicine’, the sector is being reshaped by a range of powerful factors.
Choosing the right insurance policy for you requires careful consideration of both the present and the future. When you establish health insurance with ASN, you are guaranteed lifetime renewability regardless of age or health conditions. True peace of mind depends on taking care of tomorrow as well as today.
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This article was produced by The Local Creative Studio and sponsored by Advisory Services Network.
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