What to check before you buy
- Legal requirements: local mandatory coverage vs. voluntary private insurance.
- Outpatient/inpatient split and deductible structure.
- Direct billing vs. reimbursement (cash-flow matters).
- Network coverage in your region (hospitals, specialists).
- Long-term exclusions (chronic conditions, therapies, dental).
Tip: Prefer policies with clear exclusions and easy claim procedures.
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FAQ
Why do prices vary so much?
Benefits and territory drive price: worldwide coverage, low deductibles, and broad outpatient benefits cost more.
Can I use my home-country insurance?
Sometimes for short stays, but for residency abroad you usually need local or international coverage.
What should I prioritize?
Emergency cover and clear claims. Add extras only if you will realistically use them.