subject: International private health insurance for children [print this page] International private health insurance for children
Whether you're moving overseas or taking shorter trips to foreign countries, it's now widely considered essential to protect your health and your finances by taking out international health insurance. However, the wide range of policies available means some people get understandably confused when it comes to the policy details.
A health insurance plan is vital for providing medical care in various forms when you need it most - whether it's emergency operations following accidents or medication to help with illnesses. Even if you're living overseas on a permanent basis, you may not satisfy government requirements to become part of local health plans - or you may simply find that these national plans don't offer all the protection you need.
For these reasons, sorting out your international health insurance before you set off can be the best way to look out for your own health as well as that of your family. If you do have dependents such as children, you'll usually be able to find health insurance plans that cover these individuals too, meaning you won't have to take out separate plans for every member of your household.
In some cases, kids may require more medical care than adults, so you should ensure that your family's international private health insurance covers things like dentist and optician check-ups and treatments as well as the vaccinations your children will need at certain times. While most health insurance policies will cover essentials such as in-patient or in-hospital care, checking the details could reveal the limitations of some plans when it comes to areas like bed fees and alternative treatments, so it pays to compare policies in depth before deciding which one to sign up for.
Arranging the best health cover available for your family doesn't have to be prohibitively expensive either, especially when you weigh the payments against the potential costs you'd be facing without insurance. Some premium plans may offer to pay up to 100 per cent of approved medical bills and other associated costs, but you could reduce your premiums by choosing plans that allow you to pay a modest amount of fees, such as 20 per cent.
If the people covered by your health insurance are all relatively young, fit and healthy, you should also enjoy reduced premiums compared to older policyholders, though you will likely need to explore alternative insurance options if you're planning on taking part in risky activities or visiting areas where health concerns are more of an issue.
The author of this article is a part of a digital blogging team who work with brands like Bupa Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions.
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