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“Hospital treatment is covered.” The statement may be completely accurate. Yet a reader might reasonably take it to mean that any private hospital is available, that the investigations leading to…

International health insurance is built to support care across borders. That can create an understandable assumption: if a policy covers treatment in several countries, moving from one country to another…

Many people imagine an insurance claim as something that happens after care: treatment takes place, a bill is produced and the insurer pays it. Private medical insurance…

People often judge private medical insurance by its most visible promise: access to private treatment. That can make inpatient benefits feel like the centre of the policy and outpatient cover…

A hospital list can look like one of the least interesting parts of private medical insurance. It is often reduced to a label in a comparison table:…

Most people only discover what their international or private medical insurance really provides when they need treatment somewhere other than home. Until then, portability often feels like a reassuring concept.