Expat health insurance will cover you for new medical conditions that commence after your insurance cover starts (and after the waiting period if that applies to you). This includes both outpatient appointments, or inpatient hospital treatments. This coverage applies specifically to treatment with a registered medical doctor.
There is limited additional coverage for non-medical treatments, such as dental and physical therapy, which will be covered in more detail below.
Below is a simplified comparison table displaying an initial overview of the coverage.
What’s not covered? Pre-existing conditions: any conditions that are known before the policy begins are considered pre-existing conditions.
Routine check ups and any conditions that might be discovered as a result of a routine check up are not covered. Additionally, the following is not covered under expat health:
Preventative and prophylactic treatments
Psychoanalytical and psychotherapeutic treatment
Treatment relating to an addictive disorder
Ambulance transport that does not result in an admission/inpatient stay at a hospital
Allied health (aside from physiotherapy): eg occupational therapy, podiatry, social work, dietetics
Self inflicted injuries
Gynaecological screenings
Fertility or sterility treatments
Holistic/alternative therapies