inernational health insurance, insurance plans, insurance quotes, insurance policy
Insurance, Medical Insurance

Traveling for study or work? Identify suitable health insurance for your situation

Migrating to a foreign country for work, study or business? Familiarise yourself with suitable international health insurance plans which suit travel terms and conditions of your visit, and your financial circumstances. Insurance quotes for students and expats vary from country to country, and also influenced by the purpose of the visit. There are reasonable insurance plans offered by cheap insurance companies which comply with international health insurance policy standards.

health insurance, travel terms and conditions, cheap insurance companies, students and expats
Medical calculations status graph.

Purpose of the visit determine insurance terms

When you travel as a student or an expat, health insurance has broader coverage than that of traveling on business. The obvious reason being that students and expats travel longer than business individuals.

Long term insurance is appropriate for students and expats as their travel purposes would mean they will be staying longer for a period of over a year. For individuals on business visits, the coverage is usually shorter with low insurance quotes.

Dominant players in the international health insurance market

Some international medical insurance providers have found innovative ways to make their insurance plans attractive. This includes the introduction of a new component to the business mental wellness policy called mental health pathways plus.

The aim of this extension to the mental health policy is to empower companies to support their employees with addiction problems. These addictions challenges range from gambling, drugs and alcohol addiction, social media addiction. Aetna international health insurance is one of the pioneers of such an offer. Cigna Global Insurance and Geo Blue Global Medical are amongst the top three popular international medical insurance providers including Aetna.

international health insurance,insurance quotes, insurance plans, insurance policy,
A medical practitioner holds a liquid sample.

 A variety of choices for consumers in the competitive international health insurance market

The global health insurance market is largely heterogeneous and dominant players in this game have used various strategies such as new product launches, expansions, agreements, partnerships, and others to extend their mark.

There are cheap insurance companies or medical institutions with insurance quotes which accommodate foreigners. (Bumrungrad International hospital) in Bangkok is one example with super affordable insurance plans. The hospital has a Medical Tourism programme in its insurance policy which offers insurance quotes to save up to 80 percent on health care services treatments.

These treatments are for chronic diseases such as arthritis, HIV, hepatitis C, multiple sclerosis, cancer, and orphan/rare diseases. This is an affordable offer which meets travel terms and conditions for students and expats.



Health insurance is a type of insurance which covers the whole or part of a person’s incurring medical expenses and spreading this risk over a large number of people. It is simply a policy that covers the cost of an insured’s medical and surgical expenses. It includes insurance for losses from accidents, medical expenses, disability, accidental deaths and also dismemberment. 

The “insured” is the owner of the health insurance policy, the individual or group of people being covered. The clinics, hospitals, doctors, laboratories, health care practitioners or pharmacies that that treats an insured are called the “providers”. The amount the policy-holder pays to the health plan for health coverage is called “premium”.

There are basically two main types of health insurance, the private health insurance and the public or government health insurance. The private health insurance is a health insurance plan marketed by private health insurance industries while the government or public insurance is a health insurance plan run by a government or government contracted entity. Health insurance policies can either be renewable or lifelong. Renewable contracts can either be monthly or yearly while the lifelong policy is usually a private insurance or the mandatory one done by the government for all citizens called national plans. Health insurance also has different plans which include the Health Maintenance Organizations (HMO), People Preferred Organizations (PPO), free-for-service plans and the Point-Of-Service (POS) plans. Prescription drug plans are sub insurance plans officered through health insurance plans

Everyone should have health insurance. Medical care is quite expensive and when critical, it can derail your finances. With health insurance, all these inconveniences can be avoided in case of medical emergencies. Good health insurance policies cover doctor consultation fees, cost towards medical tests, ambulance charges, hospitalization costs and even recovery costs to a certain extent. Payments made towards health insurance premiums are also eligible for tax deductions. 

People with chronic illnesses such as heart diseases and stroke are more likely to get the care and quality health services they need, have shorter hospital stays and get healthier compared to people without health insurance. These chronic illnesses are expensive; to prevent medical bankruptcy health insurances will help you manage your health and give you access to quality services. 

It’s been said that there’s nothing more important than our health, get health insurance today and be sure of quality medical services.

best insurance companies, insurance broker

Does your medical insurance suit your needs? Know about it here.

When you happen to be in emergency situations, your medical insurance should be able to cover you. When you compare the best insurance companies to meet your needs ensure that you understand the content of their insurance quotes. Whether it is long term care insurance, indemnity insurance or comprehensive insurance, be certain of the meaning behind these terms. Be aware of the language used by insurance brokers, and whether their offer on “affordable insurance” is indeed affordable.

medical insurance, long term care insurance
Choose the best medical insurance to suit your lifestyle. Image By Robina Weermeijer from

We all lead varied lifestyles, and medical insurance should fit what you get up to in your life. These are varied from individual to individual, family to family. Medical Insurance should firstly be able to meet the demands of your health conditions.

Insurance quotes

This normally goes hand in hand with the insurance plans. Take time to read the details and be clear with them because insurance brokers tend to use big terms on the insurance quotes. Assess your individual needs or family needs and opt for a plan that suits you. Some activities may cause you to be susceptible to injuries such as hiking or a job that is risky such as, in construction, there are plans suitable for such.

insurance quotes, comprehensive insurance
Compare what is communicated by the insurance broker to what is on the actual paper. Image by Jesse Orrico from

Insurance brokers

Insurance brokers are in the business of recruiting ore clients for insurance companies so they use clever tactics to recruit clients. Their main business is to generate sales, by bringing in new clients daily. Ensure that the information relayed by them is indeed what is on the terms of your contract.

If you are in need of indemnity insurance or comprehensive insurance, for a specific purpose, ensure that this is accurate. Should you be diagnosed with a chronic illness, will you still be covered?

Best insurance companies

The popular mainstream insurance companies are not just the best because they offer great benefits, they offer them at an expense. Be alert that they may be popular for certain insurance quotes but not all are best for everyone.  

Most insurance brokers have the key insurance quotes that they use as a forefront for a winning formula. These are some of the strategies they use to make their insurance popular. The insurance company may be popular because of long term care insurance but poorly deliver on indemnity insurance.



Life insurance or life assurance as often called is a contract between an insurance policy holder and an insurer or assurer in which the insurer promises a designated sum of money to a beneficiary in exchange for premium, upon the death of the insured person. Other events such as terminal or critical illnesses can also trigger the contract. This premium can be paid either in regular intervals or as one lump sum. 

Life insurance is one of the few topics people even want to talk about, much less go out of their way to even look up and research about. It is one of those things every individual must have but far too few people actually have. Below are eight key reasons why you need life insurance.

1. Nobody knows when it’s time to go.

Death can happen, any day, any time and by any means. It could be natural or man influenced. Life insurance helps cater for your loved ones and family after you are gone. It helps with payment of bills, mortgage and even college costs for loved ones and family.

2. High cost of funerals.

Funerals are expensive. It costs about $7,000-$10,000 to fund a funeral, and we not even talking about a luxurious one. This is the challenge your loved ones have to face at your departure, which is at that time going to b a difficult and emotional time for them being that they are mourning. Life insurance can cover all these expenses with any stress.

3. Debt shouldn’t be incurred after death. 

Life insurance can save your loved ones the stress of running into debts due to your absence and also funeral costs. Debts should be the last thing added to the emotional trauma felt after losing a loved one 

4. Protection for family and loved ones. 

As you work hard to cater and protect the ones you love and care for in life, same should be done in your passing. They will have to survive in your absence, make sure to protect them by being insured 

5. Be prepared for anything. 

Life insurance covers you in case there’s an emergency, a withdrawal or loan can be requested to cater for the medical bills. It also provides support for customers with terminal illnesses.

6. Peace of mind.

Since no one can actually predict the future, life insurance gives you and your loved ones that confidence and assurance that incase of any unfortunate events you and your loved ones to will be equal to the task.

7. Coverage payment is easy and affordable.

One of the major reasons people don’t have life insurance is because they believe it’s expensive and difficult to pay. This isn’t true as it is easy and quite affordable for most people. The younger and healthier you are the lower your premiums will be.

8. To pay off debts.

Asides the fact that life insurance provides income to cover everyday expenses; it can also cover debts like mortgage, to avoid loss of properties.

Insurance, Travel insurance

TRAVEL INSURANCE: understand the underlying details to protect yourself before signing for one

Travel insurance should fill a gap when traveling in terms of any unforeseen events that may occur. Traveling without one is not just risky but you could find yourself stranded on vacation in case of natural disasters away from home when you have overlooked terms and conditions of the policy.  

While you understand this important fact, it is detrimental that before you sign up for one, that you prudently acquaint yourself with its travel terms and conditions, what the insurance is liable for and to what extent you are protected.

events, unforeseen
Are you covered for canceling your trip due to severe weather? photo by Sergiu Jurga on UnSplash

The following are not covered or are partially covered in the travel insurance:

  • Missing a flight or being late is not covered by most travel insurance policies except if you get involved in an accident as it is beyond your control. This accident has to be one that takes place on your way to the airport. This depends on the details on the terms and conditions of the policy.
  • Natural disaster: unforeseen events or natural disasters may be severe to a point of causing damage or loss but if there is no damage or loss caused, the insurance will not cover this. This will depend on what your insurance regards as damage.
  • No trip enjoyment: if a hurricane or heavy rain affect your planned activities but not cause any damage to you, the insurance does not cover lack of enjoyment.
travel insurance, policy
Personal emergencies causing you to cancel your trip? Will you be reimbursed? photo by Assama Azam on UnSplash

The benefits should be outlined in the terms of coverage

  • If a natural disaster occurs during your trip, for example at your destination location, before you even arrive, the benefits will start to count.
  • If fire, floods or natural disasters affect your home and prevent you from taking the trip causing you to cancel it, your benefits may start to roll in depending on your insurance policy.
  • If a natural disaster damages your vacation residential home before you embark on the trip, causing you to cancel the trip, your cancellation benefits apply in this case.