FOREIGN HEALTH INSURANCE

FOREIGN HEALTH INSURANCE

FOREIGN HEALTH CARE FOREIGN HEALTH INSURANCE OVERSEAS HEALTH CARE ABORAD SPAIN GERMANY PORTUGAL RESIDENT AND NON-RESIDENT

A foreign health insurance is by definition a coverage that pays for medical costs, prescription drug expenses including dental treatment through an overseas insurance company either abroad or based in the country of insured person.

A foreign health insurance reimburses the health care policyholder for expenses incurred from illness or in case of injury, or sometimes settles the bill directly with the hospital of the doctor without involving the patient .

WHAT TYPE OF FOREIGN HEALTH CARE INSURANCES ARE EXISTING?

An overseas health insurance can be contracted in different manners and why depending on the insurance product an individual wants:

  • 1. Foreign health care in the own country.
  • 2. Overseas health insurance abroad during holidays.
  • 3. Foreign health care for expatriate.
  • 4. Spanish health insurance.
  • 5. German Health care.
  • 6. Portuguese medical insurance.

1. FOREIGN HEALTH CARE IN THE OWN COUNTRY

A foreign health insurance in the insured's country is insurance that provides coverage to insured people living in that country who wish to insure themselves with foreign health insurance.

A foreign health insurer is often sought out because of policyholders' dissatisfaction with local health insurance which often does not provide the desired health coverage or at least when it does, these coverage come with exorbitant costs.

Foreign health insurance is always private in view of the health insurance monopoly which covers insured persons with basic coverage, the insured will have to practically exclude himself from national social security.

In some countries, the obligation is made to contribute to social security for health insurance, which is not to the taste of the legislator, which does not prevent non-employees and independent entrepreneurs from betting on health insurance foreigners, risking legal action.

2. HEALTH INSURANCE ABROAD DURING HOLIDAYS

A European health insurance, the European Health Insurance Card or EHIC allows health insurance coverage in the European Union plus associated countries such as Switzerland or Norway and health coverage that will cover medical care on site will do so according to the rules in force in the country.

The European health care in the context of travelling outside Europe, it is very advisable to check if the country of origin has an agreement with the country where you want to spend your holidays because some countries like the United States or medical care are extremely expensive, ask for the credit card rather than the medical card of the patient's country of origin.

3. OVERSEAS HEALTH CARE FOR EXPATRIATE

An overseas health insurance for expatriate is a contract that covers a person in expatriation, means who is leaving her or his country for a long time, while being in the new country against any medical expenses that are covered through the policy.

A foreign health care for expatriate is cover that can be granted to an individual either through a local insurance company from the ‘old’ country or the insurer of the ‘new’ country depending on the options offered on both sides.

4. GERMANY HEALTH INSURANCE

In Germany, health insurance for non-resident aliens is defined by health insurance which covers medical expenses by a German health insurer for the benefit of an insured of foreign nationality who does not have a German address.

In Germany, health insurance for foreigners can consist of different forms of health insurance: German state basic insurance which is compulsory and which the majority of Germans have, private health insurance and complementary medical insurance or German private health care.

German health insurance is in principle intended for residents of Germany whether they are employed, students, pensioners and also unemployed, whether state or private health insurance.

5. SPAIN HEALTH INSURANCE

In Spain, health insurance for a non-resident foreigner is made up of health insurance offered by a Spanish medical insurer for a foreign patient who does not have a Spanish domicile.

In Spain, the main objective of health insurance for foreigners is to cover the medical expenses that a person of foreign nationality may face in Spain.

Spanish health insurance for foreigners will have two important factors that will determine the type of health insurance suitable for foreigners, depending on whether they live in Spain or not.

5.1 SPANISH HEALTH INSURANCE IN CASE THE FOREIGNER LIVES IN SPAIN

For the foreigner who lives in Spain, there are two different solutions to access Spanish health insurance, the first if the foreigner is insured in the European area (EEA) by social security, he can within the framework of the agreement between the European countries to request in his country the S1 form with which he will be automatically insured with a Spanish insurance.

The second, if the foreigner is no longer insured in his country, if he resides in Spain, he will have to be insured with SNS Sistema Nacional de Salud, the Spanish national health insurance.

5.2 SPANISH MEDICAL INSURANCE IN CASE THE FOREIGNER DOES NOT RESIDE IN SPAIN

In the event that the foreign patient is not domiciled in Spain and is in Spain facing medical costs for health care, he can have the costs covered thanks to the EHIC, the European card of 'Health Insurance.

6. PORTUGAL HEALTH INSURANCE

In Portugal, health insurance for a non-resident foreigner consists of medical protection granted by a Portuguese medical insurer and intended for a patient of foreign nationality who does not live in Portuguese territory.

Portugal concerning health insurance for non-resident or resident foreigners has many solutions that allow a foreign insured to be guaranteed any medical expenses such as hospitalizations, the purchase of medicines and medical care during his stay in Portugal.

Portuguese health insurance will depend on the personal situation of the person of foreign nationality whether he is domiciled in Portugal or not.

6.1 MEDICAL COVERAGE FOR FOREIGNERS RESIDING IN PORTUGAL

Regarding foreigners residing in Portugal, they will have two options depending on whether they keep their Carte Vitale insurance or not. If they remain insured in France, it will suffice for them to claim from social security the European S1 form which will grant them as long as they reside in Portugal medical cover through a Portuguese local health insurance without having to pay.

But in the event that foreigners residing in Portugal are no longer insured in France, they will have to take out Portuguese health insurance with the SNS or Serviço Nacional de Saúde.

6.2 MEDICAL COVER FOR FOREIGN NON-RESIDENT IN PORTUGAL

In Portugal, health insurance for people of foreign nationality who travel to Portugal and who do not reside there is feasible through the intermediary of the EHIC (European Health Insurance Card) which allows all insured foreign social security to take advantage of Portuguese health coverage.

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