AOC NOTATION EXPAT HEALTH INSURANCE PLAN
EXPAT HEALTH INSURANCE COMPARISON: NOTATION INSURANCE PLAN & HEALTH PROVIDER
AOC Insurance Broker provides exclusive and unique documentation that gives a notation to the Top 70 international insurance plans in the current market. The notation is based on the most important standards, our client's feedback and our experience.
The most important standards are found in the general conditions of each insurance plan.
For instance: is the insurance a lifetime plan or not? How much of the cost of a private hospital room is refunded? It possible to send the claim form electronically, or should it be sent by mail?
The notation is also based on our own expertise as experts in the field. Indeed, we know all the insurance companies, we know all the details of benefits, conditions and processes of each insurance plan, we support clients in litigation procedures, we make quotations and comparisons, etc.
All this valuable information is organized into 27 topics under 9 sections:
Section 1 - ENROLLMENT
Topics; insurance lifetime or not; enrolment process; enrolment delays; general waiting period
Section 2 - INPATIENT TREATMENT CARE (Hospitalization)
Topics: global refunding limitation; private room refund; cancer treatment; organ transplants; intensive care; medical evacuation and repatriation
Section 3 - OUTPATIENT TREATMENT CARE
Topics: global refunding sub-limitation; general practitioner consultation fees; preventive care; medical imaging; medicine
Section 4 - DENTAL CARE
Section 5- VISION CARE
Section 6- DIRECT BILLING (in an out network)
Topics: according to following areas: Europe; Asia; Africa; Middle East; South America; USA & Canada
Section 7- CLAIMING
Topics: form and processes; efficiency and turn around
Section 8- SERVICE AND GENERAL CONDITION
Topics: Acces to information; reactivity and competences; readability and completeness
Section 9- AOC Insurance Broker VIEW
For each topic, the notation method is explained in an attached Notice.
For instance: Private room in a hospital - if less than €/$100 is refunded per night, the notation is 1; is between 100 and 200 is refunded, the notation is 2; and if there is no limitation on refunds, the notation is 3
In order to be clear, notations are 0,1,2 or 3.
The final notation per insurance is based on a scale of 0 to 10
The final notation per insurance company is the average of its insurance plan's notation.
The Rating/Notation is updated every quarter.