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For most foreigners, the purchase of a private quality global health insurance for you and your family can be very intimidating and confusing ... while others regard it as a non-event because they see it as an unnecessary additional cost. Anyway you look at it, I will give you the reasons why you need some coverage, (less than catastrophic) and the 7 Lifesaving Secrets you must know before buying a private global policy.

1) Always your due diligence on the financial strength and the ability to pay for evaluations of the company you are reviewing. Choose never a company with a rating of less than A (Excellent) by Standard & Poor's or Moody's.

2) Since 1992 I have found that the most important secrets that have saved some of my client's life was the broker-customer. Even with today's automated online services and applications, which unfortunately is rarely the customer know who their representative is, I always have phone or e-mail my clients personally to me and let them know I'm here for you life easier in any case (the coordination of air evacuation, assistance in answering questions raised about the claims and the restitution of something they need!) Example: I have a client that lived in the oil fields in Venezuela, which are not in the vicinity of a hospital quality, but closer to the local clinics. My client John had a massive heart attack and needed immediate assistance, not only to save his life, but if he lived, a quality of life, he had to endure for the next 25 years or so. Anyway, his wife got my personal phone and was in panic, she called the ambulance on the spot to make it to a local cardiologist, but he could not say much, except her, to him in the U.S. as quickly as possible for a life-saving bypass surgery. I have insurance and organized the return air shaft roundevue within 24 hours, the jet on the ground, medics were able to stabilize and John fly him to a well-qualified hospital in Houston that a Quadruple bypass. Today, 26 months later, John is in the best shape of his life, he plays the 18-hole golf course in the week and he told me he goes, where to hunt this season. Oh, and the medical bills over $ 300,000 U.S. Dollar and John paid his deductible of $ 5,000 USD and the insurance pays the rest! The point is, you must have a broker that is willing to interfere in the mixture, if necessary, the chances of survival depend on!

3) Choose a plan that allows you freedom to select a hospital or doctor worldwide. Many plans hamper your choice and pay only when the insurance claims to its network of hospitals or doctors within a particular region. If I were a customer who wishes to John Hopkins in the U.S. or support Publique Hôpitaux de Paris in France ... then they should be this right. Some plans offer extensive networks of hospitals, where in the U.S. and Europe, and if you decide to relocate outside of this network, you can pay a small supplement to coinsurance, but the point is, you have this option and are not included in the first choice.

4) The purchase of a policy, the "exhaust air shaft", as history shows, above, is a MUST for the option that live abroad or travel from their original citizenship!

5) A customer in today's world must be actively involved in the understanding of the benefits and exclusions of its Global Private Medical Policy. When insured, you must picture yourself as a partner of the insurance company, not the submission of fraudulent claims, informing them in advance if an operation or future cases must be carried out. The understanding of the benefits and lifetime maximums for other benefits ... or taking advantage of the $ 150 U.S. dollars up to $ 500 USD annual physical check-up performance, which most insurers for reimbursement from the 1st of dollars ... really is your obligation. When you are ready, a few minutes and check your benefits, you will know how to best utilize these programs. You can not walk into a hospital or office specialists and make an appointment for a knee operation without replacement of your insurance. The abuse I have witnessed in various parts of the world in the last 16 years, was occasionally border criminal. Once a customer has had a slight tear in the ACL and the doctor did not even mention physical therapy, but wanted to ensure the reconstructive surgery immediately or the customer, lumbar herniated disc and no evidence of manipulation of the spine or other exercise of the therapy, but a merger could have a procedure that the client really stopped and unpleasant for the living, not to mention the $ 20,000 he wanted from the insurance company. Pre-certification is the process of informing the insurance that an operation has been requested. Remember, if you in an accident, the insurance must not OK if it is life-threatening, but also for operations in advance, you know, it is useful to the insurance company a heads-up, or you are with high penalties, if the payment or reimbursement for the claim. You have not become a lawyer, to inform policy, ask your agent to explain it in general and the Do's and Dont's in the policy details.

6) Completing the application correctly. You do not want to find out, 1 year after the activation of policies that will take you to a doctor for some type of immunodeficiency disorder and if the insurance is that 3 years earlier (by past history) that you went to a doctor for some type of allergy question you failed to mention on the application, then they deny your claim. Talk to your agent and give it all the medicines you take, or before releasing medical conditions. That is the reason my company has several quality insurance carriers ... I have an idea, after understanding my customers' questions, which the company offers the best way to ensure that regardless of individual state, they may have.

7) measures, the U.S. coverage. As I informed you before, Latin America and the Caribbean are great places to live ... but I do not want to be treated for serious illness or die there. Make sure your policy also cover anywhere in the U.S., however, if you are a citizen and resident, on the other side of the pond and never travel for business or pleasure then in the USA, United States can only cover an unnecessary additional cost! NOTE: If you travel to the U.S. for business or pleasure, you can always purchase a temporary travel health insurance policy, the utilities in the U.S. for the time you are away from your country of residence.

Finally, I would say there are many options for abroad, the local plans of global benefits that start-ups, low-funded enterprises with policy, that I do not want my dog to have.

If you have new coverage or your policy comes through, I am always available to customize various options and a program for you, your family or company, you can reach me at ceo@control4u.com / http://www.control4u. com

My name is John W. McGee, I'm an International Insurance Specialist, since 1992 I have worked with expatriates access to some of the highest quality medical, life & disability insurance in the world. I share with you a great article that I have shared, the life-saving tips when choosing your global travel or health insurance policy.