Choosing private international medical insurance can be akin to entering a minefield. Few expatriates fit into a convenient one size fits all category, with some having complex medical protection needs that could include, for example, a medical history such as hypertension. This can give rise to a need to negotiate bespoke international health insurance terms, so a skilled broker would need to arrange a policy which includes cover for pre-existing medical conditions. A fact often overlooked when selecting a provider is that where a pre-existing condition is declared, it is not only that condition that can be excluded from insurance cover, but also all related and underlying conditions, unless this has been specifically negotiated at the outset. So if hypertension is declared, heart attacks and strokes may be omitted from cover.
Specialist international insurance brokers such as April Medibroker can and do play an important role ensuring the most appropriate cover levels are in place across all international territories, with cover being varied according to budget, need and free local state support available. With nearly 15 years experience of looking after individual expatriates and their families, there are few problems they have not seen or had to solve. Steve Nelson, sales manager at April Medibroker explains, “When an individual takes on a posting abroad and he or she does not have international health insurance provided, it is vital they take out their own cover. Otherwise, falling ill or a need for a medical evacuation can wreck a placement and lead to huge bills."
April Medibroker work with a panel which includes both the bigger household names and also smaller specialist providers. It is often the smaller providers who are in the best position to react quickly to changing market needs, especially where complex cases are involved. Research shows that up to half of all those living and working outside of their home country do not have any health insurance, so April Medibroker's advisers are often called upon to explain in detail the risks and costs that might arise, should a doctor or hospital visit be required. Even everyday hazards such as broken bones can end up costing thousands in medical fees, making the insurance premium well worthwhile.
Ultimately, the key role of a broker remains that of safeguarding and advising their client. Modern private medical insurance policies are now far more complex than ever, so it falls to specialists such as April Medibroker to find the right policy for the individual, all at the best possible price.