Читать книгу Global Residence and Citizenship Handbook - Christian H. Kälin - Страница 39

Although an extensive choice of private health insurance schemes with an international scope is available worldwide, only very few can really be recommended. When comparing the various offers, it is important to not only to look at a specific insurance product but also at the financial soundness and reputation of the insurer as well as the latter’s experience in international health insurance. The insurance product which best satisfies the individual requirements must then be considered.

Private health insurers are not obliged to accept you. So anyone who is over 55 years of age or is not perfectly healthy has little chance of obtaining private health insurance and still less comprehensive insurance with international cover. For this reason in particular, it is advisable to check out the insurance situation in detail before moving abroad. It may make sense to change over to an international health insurance scheme several years before a possible move abroad in order to be assured of the necessary flexibility later on. Even if no transfer of residence is planned, but one wishes to be optimally insured against sickness and accident, a detailed review of all options is worthwhile. It may even be of benefit to take out international health insurance in this case.

Anyone staying abroad frequently or planning to move to another country permanently should arrange insurance cover independently of residence and sojourn – i.e. inclusive of any subsequent moves or even a return to one’s home country at a later stage. Such cover will ideally permit an unrestricted choice of doctor and hospital worldwide.