Understanding Health Insurance
Unparalleled coverage and quality care no matter where in the world you may be.
What is Health insurance
International health insurance is a yearly policy designed to offer coverage for private healthcare to people living, working, or studying in foreign countries. A typical plan covers inpatient care for serious medical issues, but a more thorough policy may also include doctor visits, preventive health checks, telemedicine services, dental and vision care. Additionally, some plans may offer extras like travel insurance, legal expense coverage, or job support programs. The cost of the insurance is determined by the level of coverage chosen.
What is included?
Our worldwide health initiatives are designed to support you no matter where you travel
24x7 Access to our call-centre
Pre-authorisation of treatment and direct settlement, evacuation and repatriation
Account management
Dedicated point of contact for admin or enrolment enquiries
Emergency medical evacuations
Medical evacuation for a life threatening condition in case of no access to appropriate care nearby
Hospital treatment
Coverage for hospital admission including doctor fees, surgery, nursing care, theatre charges, and diagnostic tests.
Cancer Care
Full cover for cancer treatment
Pre-existing conditions covered
Outpatient cover for declared and accepted pre-existing conditions
Direct billing
Cashless service for international inpatient treatment, prehospital consultations and diagnostics
Fast international reimbursement procedure
Adjudication within 2 working days and payout within 3 working days
Multi-linguistic doctors
24/7 doctors in English, Russian, Arabic and French
Ask us for a quote
If you have any questions or you want additional information please contact us
Who we cover
We are here to support your lifestyle
Diplomats, IGOs and NGOs
If you require a special cover due to your status as a diplomat or because you work for international/non-governmental organisations
Digital nomads and expats
If you are moving abroad for work or family reasons
High net worth individuals
If you are a wealthy individual seeking more extensive coverage than what is offered by local healthcare
Which plan is the best fit for me?
Compare our plans
Elite
$ 1 mln
Annual benefit limit
- Inpatient & day-care treatments
- Pre & post-hospitalisation treatments
- Cancer Cover
- Ambulances
- Evacuation and Repatriation
Privilege
$ 3 mln
Annual benefit limit
- All the benefits of Elite
- Outpatient Cover
- Maternity & Newborn care
- Wellness checks
Gold
$ 3 mln
Annual benefit limit
- All the benefits of Privilege
- Dental benefits
- Optical benefits
Frequently Asked Questions
Frequently asked questions about the product and service proposition.
What is the application process?
- All applications are underwritten at the beginning of the process
- Rates and any exclusions notified take into consideration the medical conditions of the applicant in advance of policy issuance, so the insured is confident of the coverage and there is little room for disappointment when a claim is submitted.
- Typically rates are provided within a day unless further medical information is required.
- Applications should be sent to international@crossborderhp.com
How are pre-existing medical conditions considered in the underwriting?
- Where possible the approach is to consider a loading for pre-existing conditions that are under control.
- Being on high blood pressure and/or cholesterol medication when joining the plan does not necessarily preclude coverage or result in exclusions.
- Consequently most applicants are offered coverage without exclusions.
What if the pre-existing medical condition is more severe?
- Plans with out-patient coverage have a provision to cover some expenses after a 270-day waiting period where the pre-existing condition is more severe, and which otherwise would be excluded entirely.
- This means that insureds with more severe cardiovascular or endocrine pre-existing conditions will still get some coverage for annual testing and doctor’s visits.
What is the number of the emergency line and who will answer the phone on that line?
CHP/CHPAssist will answer the phone 24 hrs a day
Tel: +44 (0)20 3836 7500 (English/Russian)
Tel: + 7 (701) 763 52 (+ WhatsApp, Telegram)
Tel: +961 1 518 456 (French/Arabic/English)
Email: claims@crossborderhp.com
What our members say about us
Incredible support
Exceeding expectations
Patience and professionalism
