Our headquarters is located in Port Vila, Vanuatu. However, we mostly work remotely and provide health insurances for clients that are travelling and who are expatriates around the world.

To claim your medical bills with Aexpat Insurance, follow these steps:

  1. Obtain detailed invoices, medical reports, and prescriptions (if any) from your doctors and hospitals.
  2. Send the documents to our claim department for processing.
  3. Our claim department will review the documents and process your refund to the administration.

Please note that the insurer reserves the right to request the original invoices within a period of 24 months.

Expatriate insurance is intended for individuals and families who are living abroad for a long-term period, typically more than a year. This type of insurance is designed to provide comprehensive medical coverage for people living outside of their home country, whether they are working or studying abroad, or are retired and living in another country. Expatriate insurance policies typically include coverage for medical expenses, hospitalization, emergency evacuation and repatriation. They also often include additional coverage for things like dental treatments, alternative therapies, and maternity care.

On the other hand, travel insurance is intended for short-term periods, typically less than a year. This type of insurance is designed to provide coverage for unexpected medical expenses and other emergencies that may occur while traveling abroad. Travel insurance policies typically include coverage for things like medical expenses, emergency evacuation, trip cancellation, and lost or stolen luggage. They often also include coverage for things like accidental death and dismemberment, and liability for damage to third-party property.

In summary, expatriate insurance are intended for individuals and families who will be living abroad for a long period of time, typically more than a year, and provide comprehensive medical coverage for people living outside of their home country, while travel insurances are intended for short term periods, less than a year, and provide coverage for unexpected medical expenses and other emergencies that may occur while traveling abroad.

Inpatient care refers to medical treatment that requires a person to be admitted in a hospital. This type of care is typically provided for patients who have serious or complex medical conditions that require close monitoring and support from a team of healthcare professionals. Examples of inpatient care include surgeries, serious illnesses such as cancer or heart disease, or injuries that require hospitalization.

Outpatient care, on the other hand, refers to medical treatment that does not require an overnight stay in a hospital or other medical facility. This type of care is typically provided for patients who have less serious or less complex medical conditions that can be treated on an outpatient basis. Examples of outpatient care include doctor visits, diagnostic tests such as X-rays or blood tests, biopsies (considered as a daycare surgery).

Health insurance premiums are the regular payments that policyholders make to their health insurance company in order to maintain their coverage. The premium is typically paid on a monthly or annual basis, and is based on factors such as the type of policy, the level of coverage, and the policyholder’s age and health status. The premium amount is determined by the insurance company and can vary depending on the plan selected. Policyholders are required to pay the premium in order to keep their coverage active, and if the premium is not paid, the policy may be cancelled or coverage may be suspended.

There are several reasons why health insurance premiums may fluctuate:

  1. Medical inflation: The cost of healthcare is constantly rising, which can lead to an increase in premiums.

  2. Changes in the policyholder’s risk profile: Premiums may increase if a policyholder develops a new health condition or if their age increases.

  3. Changes in the policy: Policyholders who opt for a higher level of coverage or add additional benefits may see an increase in their premium.

  4. Changes in the insurance market: Insurance companies may adjust their premiums in response to changes in the market or to remain competitive.

  5. Government regulations and laws: Changes in healthcare laws and regulations can also affect the cost of premiums.

  6. Claims history: Insurance companies may also adjust premiums based on the claims history of the policyholder.

  7. Location: The location of the policyholder can also affect the premium, certain regions may have higher costs of healthcare.

It is important to note that these are general reasons and each insurance company may have different factors that affect their premium pricing.

There are several ways to determine if a health insurance policy is right for you:

  1. Understand your coverage needs: You should consider your current and future healthcare needs, such as your age, health status, and risk factors. You should also consider the type of healthcare services you typically use, such as preventive care, prescription drugs, and specialist care.

  2. Compare policies: You should compare different policies and understand the level of coverage, deductibles, co-pays, out-of-pocket maximums and other costs associated with each policy.

  3. Check the network of providers: You should ensure that the policy covers their preferred healthcare providers and the hospitals they prefer.

  4. Understand the claims process: You should understand how the policy handles claims.

  5. Look at the policy’s exclusions and limitations: You should be aware of any exclusions or limitations in coverage, such as certain conditions or treatments that are not covered.

  6. Check the policy’s renewability: You should check if the policy is renewable or not, if not they should be aware that they may need to purchase a new policy in the future.

  7. Seek professional advice: You should seek the help of a qualified insurance professional, such as a broker like Aexpat Insurance, who can help you understand the different policies available and recommend the right one for your specific needs.

  8. Read the policy’s fine print: The client should read the policy’s fine print and ensure that they understand all the terms and conditions before purchasing a policy.

It’s important for a client to carefully consider all of these factors when choosing a health insurance policy to ensure that it meets their specific needs and provides the level of coverage they require

You can contact us via : 

E-mail : infos@aexpat.com

WhatsApp or Call (from 9am to 6pm WITA) : +33 617932793

At Aexpat Insurance, we understand that access to prescription drugs is an important aspect of maintaining overall health and wellbeing. That’s why we are proud to offer coverage for prescription drugs as part of our comprehensive insurance plans. Our plans also offer coverage for preventive care and regular check-ups, so you can stay on top of your health and catch any potential issues early on. Additionally, our team of insurance experts is available to help you navigate the process of obtaining coverage for your prescription drugs, making it as seamless and easy as possible. So, you can rest assured that when you choose Aexpat Insurance, you’re getting the coverage you need to keep yourself and your loved ones healthy and happy.

At Aexpat Insurance, we understand that navigating the healthcare system in a foreign country can be a daunting and confusing task. That’s why we offer comprehensive support to our clients to help them navigate the system and find the coverage and care they need. Our team of experts is well-versed in the healthcare systems of various countries and can provide guidance on everything from finding a doctor or hospital to understanding the coverage options available to you. We also offer translation services and have a multilingual team to ensure that our clients can communicate effectively with healthcare providers. Additionally, we provide our clients with detailed information on the healthcare system and coverage options in the country they will be visiting, so they can make informed decisions about their coverage. With Aexpat Insurance, clients can have peace of mind knowing that they have the support they need to navigate the healthcare system in a foreign country.

Yes, as with any insurance policy, there are typically exclusions and limits on coverage. These can vary depending on the type of policy, the provider, and the specific terms of the contract. For example, some policies may exclude coverage for pre-existing conditions or certain types of treatments, while others may add a loading (additional premium. It is important to carefully review the terms and conditions of a policy to understand any exclusions or limits that may apply. Additionally, Aexpat Insurance team is always available to help clients navigate and understand the policy in detail.

Aexpat Insurance offers a variety of benefits to clients compared to other insurance providers. One of the main benefits is our specialized focus on providing insurance coverage for expatriates and travelers. We understand the unique needs and concerns of individuals living or traveling abroad, and our plans are tailored to meet those needs. Additionally, our team is dedicated to helping clients navigate the healthcare system in a foreign country, providing guidance and support throughout the process. We also offer bilingual support, making it easier for clients to communicate and understand their coverage options. Additionally, our policies are designed to be comprehensive, covering a wide range of medical expenses. With Aexpat Insurance, clients can have peace of mind knowing that they are fully covered and supported in the event of an emergency.

Yes, Aexpat Insurance offers the option for clients to request a quote for a policy before making a purchase. This allows clients to review the coverage options and cost of a policy before committing to a purchase. Additionally, our team is available to answer any questions and provide additional information to help clients make an informed decision.

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