THE INTERNATIONAL PRIVATE MEDICAL INSURANCE SELECTOR

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Spotlight on the Fine Print : Excesses and Deductibles

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Health insurance is a complex product and the thought of reading and trying to understand the policy wording and small print can be daunting. Being clear on the key technical terms before purchasing insurance cover will allow you to make informed choices and work with your broker to secure the cover that's right for your needs." 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Health insurance is a complex product and the thought of reading and trying to understand the policy wording and small print can be daunting. Being clear on the key technical terms before purchasing insurance cover will allow you to make informed choices and work with your broker to secure the cover that's right for your needs.This week, the My Matchmaker blog is looking at excesses and deductibles – two terms that can make a big difference to the level of cover you receive and the premium you pay.What is an excess in an international health insurance policy?If there is an excess on your policy, each time you claim for treatment during the policy year you'll need to pay the excess amount out…" ["event"]=> object(stdClass)#699 (11) { ["BeforeDisplay"]=> string(0) "" ["AfterDisplay"]=> string(0) "" ["AfterDisplayTitle"]=> string(0) "" ["BeforeDisplayContent"]=> string(0) "" ["AfterDisplayContent"]=> string(0) "" ["K2BeforeDisplay"]=> string(0) "" ["K2AfterDisplay"]=> string(0) "" ["K2AfterDisplayTitle"]=> string(0) "" ["K2BeforeDisplayContent"]=> string(0) "" ["K2AfterDisplayContent"]=> string(0) "" ["K2CommentsCounter"]=> string(0) "" } ["image"]=> string(60) "/media/k2/items/cache/233826a67be66a810b23a263230da62e_M.jpg" ["imageWidth"]=> string(3) "400" }
Anyone who has ever considered or bought international health insurance can be forgiven for not fully understanding all the product features and benefits, medical definitions and underwriting terminology. Health insurance is a complex product and the thought of reading and trying to understand the policy wording and small print can be daunting. Being clear on the key technical terms before purchasing insurance cover will allow you to make informed choices and work with your broker to secure the cover that's right for your needs.This week, the My Matchmaker blog is looking at excesses and deductibles – two terms that can make a big difference to the level of cover you receive and the premium you pay.What is an excess in an international health insurance policy?If there is an excess on your policy, each time you claim for treatment during the policy year you'll need to pay the excess amount out…

International Private Medical Insurance

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Expatriates moving abroad face any number of challenges, especially when leaving home for the first time to live or work. 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Advances in travel and telecommunications are shrinking the globe and the number of expatriates is booming. According to research company Finaccord (http://www.finaccord.com/) there were 50.5 million expatriates of all types in 2013, a figure that is expected to exceed 56.8 million by the end of 2017. Saudi Arabia has the largest expatriate population (at 8.9 million) followed by the UAE (5.4 million) and the US (4.8 million). By contrast, the largest group of expatriates comes from India (7.6 million), followed by China (at 3 million) and then the UK (1.2 million). All in all, pretty big numbers. Expatriates moving abroad face any number of challenges, especially when leaving home for the first time to live or work. Professional expatriates, for example, will be thinking of where to buy or rent, what schools to put the children…" ["event"]=> object(stdClass)#639 (11) { ["BeforeDisplay"]=> string(0) "" ["AfterDisplay"]=> string(0) "" ["AfterDisplayTitle"]=> string(0) "" ["BeforeDisplayContent"]=> string(0) "" ["AfterDisplayContent"]=> string(0) "" ["K2BeforeDisplay"]=> string(0) "" ["K2AfterDisplay"]=> string(0) "" ["K2AfterDisplayTitle"]=> string(0) "" ["K2BeforeDisplayContent"]=> string(0) "" ["K2AfterDisplayContent"]=> string(0) "" ["K2CommentsCounter"]=> string(0) "" } ["image"]=> string(60) "/media/k2/items/cache/4965657af186b9092c7a96976ffe881c_M.jpg" ["imageWidth"]=> string(3) "400" }
Essential healthcare protection for today’s mobile population The world’s population is becoming more mobile. Advances in travel and telecommunications are shrinking the globe and the number of expatriates is booming. According to research company Finaccord (http://www.finaccord.com/) there were 50.5 million expatriates of all types in 2013, a figure that is expected to exceed 56.8 million by the end of 2017. Saudi Arabia has the largest expatriate population (at 8.9 million) followed by the UAE (5.4 million) and the US (4.8 million). By contrast, the largest group of expatriates comes from India (7.6 million), followed by China (at 3 million) and then the UK (1.2 million). All in all, pretty big numbers. Expatriates moving abroad face any number of challenges, especially when leaving home for the first time to live or work. Professional expatriates, for example, will be thinking of where to buy or rent, what schools to put the children…

China’s Middle Income Consumers’ Changing Lifestyles

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As China continues to move towards a consumption led economy, we'll look at the increasing diversity, complexities and opportunities to help entrepreneurs and small and large organisations target China's important middle income consumers.As the news headlines often report, China is going through a period of rapid growth, urbanisation and expanding middle population, and the numbers speak for themselves;• 160 cities in China now have a population over 1 million• 725 million people already live in China's cities•…" ["fulltext"]=> string(0) "" ["video"]=> NULL ["gallery"]=> NULL ["extra_fields"]=> string(2) "[]" ["extra_fields_search"]=> string(0) "" ["created"]=> string(19) "2014-09-12 00:00:00" ["created_by"]=> string(3) "755" ["created_by_alias"]=> string(0) "" ["checked_out"]=> string(3) "826" ["checked_out_time"]=> string(19) "2015-11-09 14:29:05" ["modified"]=> string(19) "2015-11-09 14:29:05" ["modified_by"]=> string(3) "826" ["publish_up"]=> string(19) "2014-08-25 00:00:00" 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["imageSmall"]=> string(60) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_S.jpg" ["imageMedium"]=> string(60) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_M.jpg" ["imageLarge"]=> string(60) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_L.jpg" ["imageXLarge"]=> string(61) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_XL.jpg" ["imageGeneric"]=> string(66) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_Generic.jpg" ["cleanTitle"]=> string(56) "China’s Middle Income Consumers’ Changing Lifestyles" ["numOfComments"]=> string(1) "0" ["text"]=> string(977) "China's middle income consumers are rapidly changing both their lifestyles and behaviours, and this transformation is now playing a significant part in China moving from an investment and export led growth to a consumption growth economy. This is a key finding of a recent report from the China British Business Council (www.cbbc.org) and is good news for those looking to enter or expand existing operations in China now and over the next decade. As China continues to move towards a consumption led economy, we'll look at the increasing diversity, complexities and opportunities to help entrepreneurs and small and large organisations target China's important middle income consumers.As the news headlines often report, China is going through a period of rapid growth, urbanisation and expanding middle population, and the numbers speak for themselves;• 160 cities in China now have a population over 1 million• 725 million people already live in China's cities•…" ["event"]=> object(stdClass)#629 (11) { ["BeforeDisplay"]=> string(0) "" ["AfterDisplay"]=> string(0) "" ["AfterDisplayTitle"]=> string(0) "" ["BeforeDisplayContent"]=> string(0) "" ["AfterDisplayContent"]=> string(0) "" ["K2BeforeDisplay"]=> string(0) "" ["K2AfterDisplay"]=> string(0) "" ["K2AfterDisplayTitle"]=> string(0) "" ["K2BeforeDisplayContent"]=> string(0) "" ["K2AfterDisplayContent"]=> string(0) "" ["K2CommentsCounter"]=> string(0) "" } ["image"]=> string(60) "/media/k2/items/cache/077ab55046ce80eaf9a3ddea999597ca_M.jpg" ["imageWidth"]=> string(3) "400" }
China's middle income consumers are rapidly changing both their lifestyles and behaviours, and this transformation is now playing a significant part in China moving from an investment and export led growth to a consumption growth economy. This is a key finding of a recent report from the China British Business Council (www.cbbc.org) and is good news for those looking to enter or expand existing operations in China now and over the next decade. As China continues to move towards a consumption led economy, we'll look at the increasing diversity, complexities and opportunities to help entrepreneurs and small and large organisations target China's important middle income consumers.As the news headlines often report, China is going through a period of rapid growth, urbanisation and expanding middle population, and the numbers speak for themselves;• 160 cities in China now have a population over 1 million• 725 million people already live in China's cities•…
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