I have used IPS. The prices are reasonable, they do pay claims, and they accept international credit cards. In any EU country, this insurance will meet the coverage requirement because IPS is based in The Netherlands. http://www.studentsinsured.com
http://WorldNomads.com offers travel insurance but not health insurance.
Allianz seems to be one of the few companies offering health insurance @ http://www.allianzworldwidecare.com/
Such a plunder, trying to find health insurance. Right now I’m using Cigna’s Global Health Insurance that covers me for a majority of the world I believe (should probably look into that).
Reasonably affordable and you can pick and choose what you want covering you. I submitted my info online and finalized the deal with a super awesome rep on the phone.
Allianz seems reliable and has few limitations. There are also cheaper ones, but they limit the stay in your home country. Swisscare (CH), Care Concept (DE). The established companies also have packages. Cigna, Bupa, Axa.
After comparing the main offers last year I stayed with Allianz. 500 EUR/year, 1.2m cover and 10k deductible.
I’d choose Cigna if we had children. @melanie: What’s your experience with Cigna so far? I guess you can’t really tell unless you really have an emergency.
Thank you everyone for the great input!
I looked at all the suggestions and then spoke to an insurance agent here in Germany and decided to get an insurance called ReiseMed AS12V from DVK (Ergo), a German insurer. It’s 50,00 Euros/month and covers all basic healthcare services for people living and working in an EU country. Healthcare in the Americas will be charged extra (quite a bit).
I just heard in many countries you can also use your home country’s insurance as an expat but you have to pay extra. For example in the Netherlands, insurance is usually around EUR 1,000 but that goes up EUR 5,000 if you’re a non-resident expat, as the government doesn’t subsidize it anymore.
Haha, true! I’ll let you know when I break my leg What I can tell is that they’re a-okay and I’m happy to keep them on.
Google provides a great tool to find and book health insurances: https://www.google.co.uk/compare/travelinsurance/form?p=home
Subsidized? It’s probably you who is subsidizing the government. For young people full-blown international health insurance with outpatient option (which is almost never a good deal) and other bling bling is maybe 1800 EUR max, maybe 1000 EUR without. Since most socialist governments charge the same rate to all ages and sexes, young and healthy people like you are subsidizing older people (who would have pay those 5000 EUR by the time they reach 60 or 70).
You can decide for yourself, if you as a younger person – who just starts earning money – should be supporting more wealthy pensioners. The most economic option for you will be a private international insurance, as mentioned above. This also has the advantage that those companies directly bill many hospitals and doctors all around the world. When you’re with the Dutch system you most likely pay yourself and then run after bureaucrats to get your money back.
Yep. It goes both ways. The thing is Dutch healthcare is amazing and it hardly ever lets you down. The rate being flat means that now I subsidize elderly, and the young people will subsidize me when I’m old. It’s called solidarity.
That’s great. I hope there will be enough people left to pay for us. Those baby boomers will be a big test for this kind of generational contract.
Have you (or anyone else) ever had a claim from a non-EU country? I would be interested in how smooth that process goes.
When you book your flights and places using a credit card (ala. MasterCard Gold), don’t you have a pretty coverage for medical insurance? Is there a reason this is not mentioned until now?
Yes a lot. National health insurance also gives me worldwide coverage included in the standard package (which costs about EUR 1,200 per year). The general rule is that they cover you up to the price health care costs in the Netherlands. Above that, you have to pay it yourself. In most situations, that means it’s covered.
No definitely not. That’s not included default with MasterCard cards. Some banks might offer that.
Just some examples:
I’m paying 5$ per month to have a travel insurance for my MasterCard. It is limited to 6 months per location, which should be okay, when you travel from place to place.
The requirement is usually, that you pay the trip (flights) using this card, which I do.
Am I missing something obvious here?
Credit card insurance is often bound to your normal health insurance and will only pay the difference. Once you settle down for any reason (teach, study, work) it will also become invalid. The time is generally limited to the first 90 days of a trip. Then you need to go home for a day. I’m not sure a location change is enough. Of course they don’t tell you that until there is a claim. My guess is for any claim of real money they will put you under a lot of scrutiny and try to avoid payment.
So far I only have experience with lost luggage, but not a medical emergency. If you do go for this option, read the contract very very carefully and be prepared to fight for your money.
Thanks @manu for your reply. I just called them today, the time limit is indeed 90 days, you have to come home at least once, and it will start from 0 again.
Another reason, which is probably bigger than the one you mentioned: It does not cover business trips or anything related to your work. It’s only meant to be used for vacation.
About “they try to avoid payment”: That’s the case with every insure. Actually, it’s just a regular insurance provider, which is used by the banks providing the credit cards.
I am also looking for a worldwide health insurance. Ideally I would like to exclude some regions, where I never go, to make it cheaper.
Does anyone know a good international health insurance broker?
(Going through a knowledgeable broker usually gets you the best deals.)
If you’re truly nomadic and never in the same place for too long, I can’t see why you wouldn’t opt for travel insurance that has great medical benefits? Unless I suppose you’re often sick and need a special kind of health insurance, but for the average nomad, I’d suggest a good travel insurance plan like WorldNomads.
True. WorldNomads seem a bit more generous with the trip duration. If you take their expensive package, it’s about equivalent to the cheaper providers in Germany and Switzerland (CareConcept and Swisscare) plus some travel features. You ever had a claim with them or any other experience.