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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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Back to MAIN INDEX "Tips for Understanding International Insurance" | |
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KEEP YOUR INSURANCE ACCOUNT CURRENT
GETTING THE MOST MILEAGE OUT OF YOUR INSURANCE
PREVENTIVE CARE
PRE-CERTIFICATION
RENEW YOUR CAREER PLAN OUTSIDE THE USA
KEEP THOSE MEDICAL RECEIPTS
HOW DO I GET MY NEWBORN ON MY INSURANCE PLAN?
RENEWED POLICIES MORE EXPENSIVE THAN NEW POLICIES!
APPLYING FOR HEALTH INSURANCE ONLINE
RENEW
YOUR CAREER PLAN OUTSIDE THE USA
WHY INSURANCE IS
CANCELLED
KNOW YOUR
INSURANCE PLAN
PLEASE READ YOUR
POLICY
HEALTH CARE "OUT OF NETWORK," A RECURRING PROBLEM
CANCELING
YOUR INSURANCE COVERAGE--HOW TO DO IT
THE
IMPORTANCE OF PRE-CERTIFICATION
PAYING
FOR MEDICAL CARE RECEIVED INSIDE/OUTSIDE THE USA
GETTING YOUR HEALTH INSURANCE RECORDS
HEALTH
CONDITIONS NOT COVERED IN FIRST SIX MONTHS
STRATEGIES TO CONTROL
INSURANCE RENEWAL INCREASES
RENEW YOUR CAREER PLAN OUTSIDE THE USA
REMEMBER, with most international health plans, if you renew while in the USA you will need to leave the USA in 30 days. The international insurance companies require this in order to satisfy the Department of Insurance (DOI) guidelines in the various states. The DOI is concerned about protecting domestic insurance companies; therefore, by requiring a person who applies for and/or renews his policy to leave the USA in 30 days is one way they do it.
The insured under an international policy should make sure that he/she is outside the USA at the time of renewal, or, if in the USA, he/she will be leaving for overseas within 30 days. If you do not follow these guidelines, your policy will not be renewed.
For a pregnancy, this could be a real concern. With all international career policies you get at least six months of furlough coverage in each policy year. Try to work it out that your renewal period does not happen during your furlough when you may be waiting for the delivery of a baby. If it does, and you live near the Canadian or Mexican border, that will be no problem. You can just drive across the border and spend a night to satisfy the “leaving the USA” requirement. But if you are a distance from the border, that would be difficult.
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