Frequently Asked Questions about ASN in general
If you have supplementary insurance or are transferring from an existing international insurance, ASN’s free-vesting agreement will support a smooth and fast transition/application process.
ASN can offer you support and services in German, French, Italian, English, and Spanish, via phone, email, and face-to-face. If you require assistance outside of ASN’s business hours, e.g. in the event of an emergency, please refer to the reverse side of your insurance card for your insurance provider’s 24/7 multilingual support line.
Travel insurance is specific to the location(s) that you will be travelling, lasts for any period up to 11 months, and only covers you in the event of an emergency. It also covers travel cancellations, loss of luggage, unexpected change of circumstances, etc.
Frequently Asked Questions about International Health Insurance
Excess: The excess is the share of the costs that you will pay in every event (treatment, check-up, surgery, etc.). If you have an invoice of $800 USD and you have selected an excess of $350 USD, the insurance provider will only reimburse the difference to you. In this example, it is a difference of $450 USD. This will be the case for every claim that is processed, once you have reached the selected deductible.
You can change the excess and deductible once per year, during the renewal period.
Please inform ASN if you would like to make changes; your assigned consultant can manage this for you. Should this change of deductible or excess coincide with an upgrade, you will be required to complete a new medical form.
Should you choose to select a policy with no deductible or excess, this will result in a higher premium.
Note that all of the above is subject to variation depending on your specific insurance provider and policy. Please refer to your policy and the terms and conditions of the insurance provider for information more specific to your case or contact your ASN consultant.
You can forward your change of address to your ASN consultant via email and we will inform the insurance provider on your behalf.
If you move during the contract year of your policy, there will be no changes. However, depending on the city or country that you relocate to, the premium may change at renewal date. Also, the premium may change if you relocate during the renewal period. Again, this will depend on the country you relocate to.
Due to compliance, some countries have certain requirements, which is why the insurance provider has to know about any changes. If you move to the USA, Dubai, or a high-risk country (Afghanistan, Syria, etc.), please inform us before relocation and ASN will find the best alternative insurance solution for you.
As soon as you are aware of your relocation circumstances, please inform your assigned ASN consultant, that they may inform you if there is a need to adjust your policy.
Please note that your medical condition is considered first, and there may be a limited selection of facilities equipped to handle your healthcare needs. As such, the capacity to care for your needs is paramount to the comfort of a private room.
Depending on the insurance provider, various plans are available, providing different benefits and options specific to your needs. In the case of lower rate plans, essential benefits, such as treatments for chronic illnesses, certain medications, other outpatient treatments, etc. can be limited; while other benefits are completely excluded (pregnancy, dental, alternative medicine, etc.). If you are already insured, you can upgrade or downgrade your policy at the renewal date of the contract, in order to add or remove certain benefits. While a downgrade is achievable without documents, a health declaration is required to achieve an upgrade
This refers to an examination/procedure that does not require hospital admission and may also be performed in a healthcare facility other than a hospital. Those receiving outpatient care are not required to stay overnight and are also free to leave the medical practice, clinic or hospital, once the procedure is over. These treatments can be refunded with the pay and claim method.
This refers to a procedure that requires the patient to be admitted to the hospital, so that he or she can be closely monitored during the procedure and, afterwards, during recovery. Inpatient care requires overnight hospitalization. Patients must stay at the medical facility where their procedure took place, for at least one night. During this time, they remain under the supervision of a nurse or doctor. For this, the client is required to present a Guarantee of Payment.
This refers to a patient that will go to the hospital to receive treatment, may be placed in a bed/room, though leave the same day. During this time, they remain under the supervision of a nurse or doctor. For this, the client is required to present a Guarantee of Payment.
It is important to know if you are an outpatient, inpatient, or day-patient, as basic international insurance plans often include very little or no coverage for outpatient treatments. Depending on your insurance provider, to be fully covered for both inpatient and outpatient treatment, you may need to select outpatient benefits as a supplementary option to your core hospital plan.
Depending on inpatient and outpatient scenarios, deductibles may vary also, which is why it is important to differentiate between them.
Having a test, procedure or consultation in a hospital does not necessarily mean you are an inpatient; this is a common cause of confusion. The difference between inpatient and outpatient care is how long a patient must remain in the facility where the examination/procedure occurs.
If you agree with the renewal, you can renew the premium by paying the full amount of the current premium. Depending on what kind of payment method you choose, you will be notified if the insurance provider requires your credit card details to process the payment.
Should you want to make changes to your policy, you can contact us and we will then get in touch with the corresponding insurance provider. Please note that, should you want to upgrade your policy, health questions will apply and, depending on the state of your health, exclusion and or possible loadings may occur.
In case your life situation has changed, and you no longer need your current policy, we ask that you send us an email, confirming that you wish to cancel your contract. We will then forward this to the insurer and send you a confirmation once they have confirmed your cancellation.
The list will vary depending on the insurance provider you have chosen. Usually, you are free to visit the medical provider of your choice for outpatient treatments and will have to contact your insurance provider prior to any hospitalisation, in order to arrange a Guarantee of Payment.
With international health insurance, you can consult any doctor of your choice who has graduated from a medical school recognized by the World Health Organization, who is licensed, and is registered to practice medicine in the country where the treatment is received. If you want your insurance provider to arrange and pay for your treatment, please contact your ASN consultant to organize this.
If your insurance card has an expiry date, you will receive a new card accordingly.
While ASN and or your insurance provider can recommend certain hospitals and healthcare facilities to you, you have the freedom of choosing any recognised hospital, clinic, doctor or specialist that you prefer.
If you are dissatisfied with the premium increase, you can request a comparison or enquire about changes that could be made to your policy. Your ASN consultant is there to assist in all of these matters.
Frequently Asked Questions about Life Insurance
Frequently Asked Questions about Disability Insurance
Frequently Asked Questions about Travel Insurance
International health insurance policies typically last for one year, do not offer support due to loss of luggage and changes to travel plans, and are also designed to provide all-year cover for any and all health related issues, in your home country and abroad. It is not recommended that you use international health insurance to replace travel insurance, or vice versa.