Want to explore the world as a digital nomad? An expatriation project lasting several years? Or more simply, a gap year or study abroad?
Choosing the right international health insurance is an essential step before you leave.
Although there are many offers, most of which are available on the Internet, it’s not easy to find what you’re looking for. Finding the right international health insurance for your situation is no easy task, and that’s what Qiti is all about.
Depending on your situation, your travel habits, your destination and your expectations, Qiti will advise you and help you select the offer that’s right for you.
Step 1: Clearly defining your project and your needs
Choosing the right international health insurance depends on precisely defining your travel plans. Will you be expatriating alone or with your family? How long do you plan to be away? What is your main destination? Do you plan to travel to several countries? What are your life plans?
The next step is to determine your health needs and those of all the members of your family. What happens in the event of accident or hospitalization? How will specific specialist care be covered? Is the arrival of a new member of the family on the agenda? Do you wear glasses or contact lenses? Will your children need orthodontic treatment? Where do you plan to go for treatment?Qiti va vous aider à préciser vos attentes et à choisir votre assurance santé internationale en triant, comparant et sélectionnant parmi les différentes offres du marché.
Step 2: Check repayment terms and conditions
Choosing the right international health insurance means thinking about what to do in the event of an accident, hospitalization or, more simply, a health problem abroad. Before taking out international health insurance, you need to find out about reimbursement terms and conditions in different countries, as well as any waiting periods, reimbursement ceilings and healthcare networks.
Choose an insurer that guarantees rapid reimbursement times and provides you with a policyholder area where you can easily submit your claim online.
With the solutions selected by Qiti, your claims are processed directly via dedicated mobile applications.
Finally, choose an insurer that is easy to contact from abroad, so you can benefit from 24/7 assistance, advice if you need it, and immediate treatment in the event of hospitalization.
Step 3: Health coverage tailored to your situation
Your choice is also determined by the providers who will cover your healthcare costs.
A single provider by opting for private insurance from the 1st euro? With this solution, you’ll be reimbursed from the 1st euro or dollar spent, with the advantage of simplicity: no need to join the Caisse des Français de l’Étranger (CFE), or the French social security system, or the social security system of your expatriate country.
Or as a complement to a social security scheme or the CFE (Caisse des Français de l’Étranger). This solution enables you to maintain a link with the French social security system, and to cover healthcare costs on a known basis: that of social security. But social security coverage is often insufficient on the other side of the world…
Qiti helps you see things more clearly and arbitrate.
Step 4: Check exclusions
This is true for all insurance policies, but even more so when you’re traveling to the other side of the world: check the exclusions. Certain countries, certain professional or sporting activities, and extreme sports are often among the risks excluded by insurers.
Choose modular insurance packages that provide optimum coverage. The following options are regularly available:
- Optical and dental
- Personal liability
- Personal protection (death, sick leave, etc.)
Qiti can help you select your international health insurance with complete peace of mind!
Written by Christophe Bremard