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AOC NOTATION EXPAT HEALTH INSURANCE PLAN

EXPAT HEALH INSURANCE COMPARISON : NOTATION INSURANCE PLAN & HEALH PROVIDER

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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 foundin the general conditions of each insurance plan.
For instance : is the insurance a lifetime plan or not? How much of the cost of private hospital room is refunded? Is is 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 ligitation procedues, we make quotations and comparisons, etc.

All this valuable information is organized into 27 topics under 9 sections:

Section 1 - ENROLLEMENT
Topics; insurance life time or not; enrolment process; enrolment delays; general waiting period

Section 2 - INPATIENT TREAMENT 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 practitionner consultation fees; preventive care; medical imaging; medecines

Section 4 - DENTAL CARE

Section 5- VISION CARE

Section 6- DIRECT BILLING (in a out network)
Topics: according to following areas: Europe; Asia; Africa; Middle East; South America; USA & Canada

Section 7- CLAIMING
Topics: form and processes; efficency and turnaroung

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 tha €/$100 is refunderd 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.

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