International Health insurance
International Health insurance or International Private Medical insurance (IPMI) covers the cost of medical treatment and services up to a predetermined limit for individuals residing outside of their country of origin, whether in Singapore, Kuala Lumpur, Dubai, Mumbai, Bangkok, Shanghai, Hong Kong or China. The medical expenses covered could include maternity charges, routine medical check-ups, medical evacuation or repatriation, just to name a few. The coverage is renewable on an annual basis and coverage can be worldwide, worldwide excluding USA or with further country exclusions or restrictions.
They are many types of IPMI products on the market and the cost varies a lot according to many factors such as country of residence, age, level of coverage, health condition, or in some cases, the nationality of applicants. Each insurer offers different types of underwriting, from Full Medical Underwriting to Moratorium to Continued Personal Medical Exclusions (CPME) underwriting.
In order to understand the fine prints and navigate through the complexity of International Health insurance or International Private Medical insurance, it is necessary to contact a professional health insurance broker to help you select the right product for you and your family.
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