General list:
https://www.internationalinsurance.com/health/best-companies.php
Price is always age dependent, and pre-existing conditions dependent.
Higher age -> higher risks -> higher price.
Short survey
Questions asked:
1. what company for global healthcare insurance do you use?
2. what is the name of the package you are paying for?
3. what is the monthly payment?
4. how old are you?
5. how many coverage requests did you have so far?
6. how many covearge requests were rejected?
7. did you request coverage of an expensive treatment? (operation/chemo/etc)
8. your subjective rating of the company in general (1-low rating, 10-perfect rating)
Response 1:
1. William & Russel
2. Bronze
3. 2000 eur / year
4. 45, will be 46 in 4 months
5. 0 (but it worked well for my friends who claimed it)
6. 0
7. No, but according to public references it seems they are good in cancer treatment coverage
8. 8
Response 2:
1. Foyer
2. Essential
3. 1471/12 = 122.58€
4. 42
5. 0
6. 0
7. no
8. 6
Response 3:
1. Foyer
2. essential
3. 134€/month
4. 42
5. 0
6. 0
7. no
8. 6
Response 4:
1. Foyer
2. essential (out + inpatient)
3. 145€/month
4. 29
5. 15
6. 2 (only the ones without doctor study as py doctors doesn’t give that by default)
7. no
8. 3 (not renewing the contract after 2 years)
Bad rating because of complicated communication – my partner will not renew it as they lost one payment and it took more than a year and like 50 emails and 10 phone calls to force them to find where the money went and to get them to the correct account. In general, email communication with Foywr is very slow and takes weeks to get an answer or to process a claim. But they covered everything so far, so at least that.
Response 5:
1. Cigna
2. dont know
3. 70€ my deductible is 550€
4. 39
5. 0
6. 0
7. 0
8. 10 – because I did not bother them, not did they bother me. I have 1 email at the end of every year, where they ask for another yearly payment
Response 6:
1. Allianz Care
2. dont know (inpatient only)
3. 100€ / month
4. 32
5. 0
6. 0
7. 0
8. dont know
Response 7:
1. Will Russell
2. Silver and dental plus
3. Effectively 2750 usd per year (2500+250 annual deductible)
4. 26 turning 27
5. I submitted 8 insurance claims since I joined 10 months ago
6. 0
7. No, my biggest tab at the hospital so far was around 1300 usd
8. 8, superb communication (today they responded within like 40 minutes), reimbursements keep flowing, pre approval for treatments work. I dont like how misleading they are about the emergency-only treatment in europe and other countries. I only found when it was sent to me in PDF after I signed and paid.
I would advise people who spend significant amount of time per year in europe to avoid WR. Mind you, these are restricted cover countries limits. For all the other ones, the standard limit applies, which is in the millions. Pay attention how the limit is 100k usd, but only 75k euro. If youre in europe, you get billed in euros, and 75k is a joke.
General additional info from multiple discussions
Foyer:
– reported as ‘slow’ in written communication
– reported as ‘very fast’ in phone communication
If you have a suggestion for more questions to be answered, please write a comment.