How does the deductible on an international health insurance plan work?

Anyone who has ever taken out insurance has heard the word "deductible". For all types of insurance this always means the same thing: it is the amount of money you will have to pay out of pocket before your insurance begins to cover.

It is a fixed amount that varies between insurances depending on a number of factors. When you quote international health insurance at InternationalHealth.com you will notice that plans have different deductibles, which can range from $0 to over $6500 per year. This is mainly due to the price of the insurance, the lower the monthly price of the insurance, the higher the deductible.

Let's look at an example:

 If a 24 year old hires an insurance policy with coverage in the United States, it can cost as little as $21 USD per month. However, the deductible is $10,000 USD, meaning that any treatment under that price would have to be paid directly out of the insured's pocket. If you decide to pay a higher plan, for example $1,600 USD per month, which is the most expensive plan we offer at International Health, it would come with no deductible. The most important thing is to analyze the medical expenses that each person could have based on their level of risk, age or pre-existing conditions, and choose the plan that makes the most sense.

Another important factor is the geographic area that the insurance covers. If, for example, the insurance offers coverage in the United States, where medical services have a very high cost, the deductible prices tend to go up. However, if you want to be treated in American clinics that offer a high quality service, but at a very high price, you should pay a high deductible to receive the best care. Remember that your insurance covers the rest of the price.

How do I know if I am taking out the right insurance?

The recommendation is to contact one of our insurance advisors, who can guide you free of charge. Based on your needs and your budget, they will tell you which plan works best for you.

Why should I hire health insurance at InternationalHealth.com?

☑️ You can find and hire the best alternative for you and your family.

☑️ It is completely free. You will find the same value as hiring it directly with the company, but adding all the after sales service of IH.

☑️ We work with all insurers. You will have the best alternatives to quote and compare.