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Heading abroad? Key health insurer terms you MUST know

If you're planning to move abroad, or are already living abroad in 2022, organising your international health insurance is one of the most complex, yet important, tasks on your to-do list. Which is not to mention the added urgency that even the tail-end of a pandemic creates.

Heading abroad? Key health insurer terms you MUST know

Adding to the complexity is the medical insurance legalese you’ll come across when trying to research your best options. Fortunately, many international insurance use similar terms that have the same meaning. Together with provider Cigna Global, we demystify some of the key terms you’ll encounter when choosing a policy. 

Important dates

Generally, insurance policies will be very specific about dates, for a variety of reasons that deal with processes and legal compliance. Coverage may not be included as soon as you sign up, so it’s important to know exactly when your coverage starts and ends, and the duration of time before your policy needs to be renewed. 

Annual renewal date  – This is the yearly anniversary of the policy’s start date.

End date – This is the date that a policy ends, as listed in the certificate of insurance

Initial start date – This is the first day that the treatment of a beneficiary is covered. 

Period of cover – This is usually a period of 12 months, during which a beneficiary is covered, including the start and the end date. 

Start date – The date on which a beneficiary’s coverage starts, as indicated on the certificate of insurance. 

Cigna Global demystifies international health insurance. Discover how to protect you and your family abroad

People and places

Insurance providers are also, obviously, very particular about exactly who is covered by their policies, and where they come from. This is for a variety of reasons regarding international agreements and local laws. On your end, however, it’s important to know what they’re talking about when they ask you who is to be covered, and where. 

Beneficiary – A beneficiary, or beneficiaries, is anybody named in your policy, or certificate of insurance, as being covered. This will usually be your spouse or family members and can include newborns. 

Country of habitual residence – This is the country that a beneficiary resides in, as listed in their application. For example. if you’re an American working abroad in Germany with a residence permit, your country of habitual residence would be Germany. 

Country of nationality – This is the country that a beneficiary is a citizen or permanent resident of, as listed in their application. Essentially, the country or countries that you have a passport(s) for. 

Selected area of coverage – This is the area in which treatment is covered. 

Explore international health insurance options that ensure comprehensive coverage for you and your family


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Medical terms 

Medical terms constitute the area of most precise language within policy documents. It’s very important that you understand exactly which treatments are covered, as well as those that the provider may opt not to cover, such as in the case of certain pre-existing conditions. 

Congenital condition –  A congenital condition is any deformity, injury or illness that is present at the time of birth, such as cystic fibrosis or clubfoot. 

Evidence-based treatment – These are treatments that have been approved by specific statutory bodies or standards – in the case of Cigna Global, the National Institute for Health and Clinical Excellence and the International Clinical Guidelines.

Inpatient – An inpatient is a beneficiary admitted to a hospital overnight or longer for treatment – for example, for heart surgery or a similar intensive surgical treatment. 

Medically-necessary – These are those treatments and services that are recognised by the International Clinical Guidelines to be necessary for diagnosing and treating an illness or disease, as standard and orthodox procedure. That is to say, these are treatments and services that are not experimental or untested, or purely cosmetic in nature. 

Outpatient – An outpatient is a beneficiary who attends a hospital or clinic for treatment, for less than a day. Ingrown toenail procedure? That’s an outpatient treatment, and the beneficiary is classified as an outpatient. 

Pre-existing condition – A pre-existing condition is an injury or disease, under treatment or otherwise, that was already present before the start date of a beneficiary’s policy. These can include conditions such as high blood pressure, or asthma that were not present at birth, but developed over time. 

Other important terms

Some terms are very particular to insurance provider documentation, and you may not see them used in any other context. However, they are usually simply ‘legalese’ for rather simple and straightforward concepts, events or objects. 

Certificate of insurance – A document that lists all the important information about the policy, including beneficiaries, dates of validity and treatments or procedures are covered. 

Qualifying life event – These are those events that change the number of beneficiaries covered by a policy, and include births, deaths, adoptions, weddings and civil unions.

Special category data – This is specific data on a beneficiary’s age, race, sex and other affiliations, collected for the purposes of identifying them.

When looking for the right international health coverage, Cigna Global is worth considering for a number of reasons. They offer fully-customisable health coverage, with four levels of statutory cover available, and a broad range of premium contribution options. Cigna Global also offers a direct billing network with more than a million doctors, hospitals and clinics worldwide, meaning that you will easily be able to find treatment options that meet your needs. There’s no upper age limit for cover, and you’ll also enjoy an additional 180 days coverage, while you’re still in your home country, making it easy to transition at either end of your international stay. Finally, full cancer care is offered, including experimental treatments and procedures. 

At a time when we’re all starting to enjoy increased mobility, and working abroad becomes more and more common after the pandemic, it’s crucial that you are covered for any eventuality. Cigna Global is the natural choice for those looking for comprehensive coverage, no matter where their work takes them. 

Learn more about Cigna Global’s broad range of coverage options today, and ensure that your international stay is fully covered against illness or jnjury 

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TRAVEL NEWS

Paxlovid, tests and isolation: Covid care for tourists in France

With travel opening up, many people are planning trips to France over the next few months, but the Covid pandemic has not gone away. Here are your questions answered on testing, isolation and medical treatment if you do fall sick while on holiday.

Paxlovid, tests and isolation: Covid care for tourists in France

Travel rules

Covid-related travel rules have mostly been relaxed now but you will still need to show proof of being fully vaccinated at the French border. If you are not vaccinated you will need to show a negative Covid test – find the full breakdown of the rules HERE.

Testing

Once in France if you develop symptoms or you have been in contact with someone who has tested positive you will need to get a Covid test.

The good news is that testing is widely available in France, both for residents and tourists.

The easiest way to get a test is head to a pharmacy, most of which offer the rapid-result antigen test on a walk-in basis Tests are available to everyone who wants one, there is no need to fulfill any set criteria.

For full details on how to get a test, and some handy French vocab, click HERE.

The difference for tourists is that you will have to pay for your test, while residents get their costs reimbursed by the French state health system.

In the pharmacy you may be asked for your carte vitale – this is the health card that residents use to claim refunds. As a tourist you won’t have the card – you can still get the test, you will just need to pay for it. Costs vary between pharmacies but are capped at €22 for an antigen test or €54 for a PCR test.

Isolation

If your test is positive you are legally required to isolate, but how long your isolation period is depends on the your vaccination stats – full details HERE.

Treatment

For most fully-vaccinated people without underlying health conditions the symptoms of Covid are fairly mild, but if you do become ill, here’s how to access medical help while in France.

Pharmacy – one of the first things you will notice about France is that pharmacies are everywhere, just look out for the green cross. As well as selling over-the-counter medication, pharmacies all have at least one fully-qualified pharmacist on the staff who can offer medical advice. 

Take advantage of pharmacists – they train for at least six years so they’re very knowledgeable and they’re easy to access by simply walking into the shop. In tourist areas it’s likely that they will speak English. Pharmacists can also signpost you to a nearby doctor if you need extra help.

Doctors – if you need to see a doctor, look out for a médecin généraliste (a GP or family doctor). There is no need to be registered with a doctor, simply call up and ask for an appointment if you need one. If you have a smartphone you can use the medical app Doctolib to find a généraliste in your area who speaks English. You will need to pay for your consultation – €25 is the standard charge and you pay the doctor directly using either cash or a debit card.

You may be able to claim back the cost later on your own health/travel insurance depending on the policy.

Ambulance – if you are very sick or have difficulty breathing you should call an ambulance – the number is 15. All non-residents are entitled to emergency treatment in France, whether or not you have insurance, but if you are admitted or have treatment you may need to pay later.

READ ALSO Emergency in France: Who to call and what to say

Paxlovid – several readers have asked whether the Covid treatment drug Paxlovid is available in France. It was licenced for use in February 2022 and is available on prescription from pharmacies, mainly for people with underlying health conditions or an impaired immune system. You can get a prescription from a medical practitioner.

The drug is reimbursed for French residents, but as a tourist you will have to pay.

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