HERALD INSURANCE LTD
- PARK ROAD
TN6 2QX CROWBOROUGH, EAST SUSSEX
Phone: +44 (0) 845 872 3682
Fax: +44 (0) 845 872 3683
E-mail: Send messagewww.herald-insurance.com
Short profile:
Following many years of dealing in all lines of personal and corporate insurance, Herald Insurance Brokers was established as a specialist in the growing market of international medical insurance.
The international health insurance market is dominated by a handful of large insurers who, in our opinion, do not necessarily offer the best value for money. Our role is to find the most appropriate cover for your needs and your budget. A large number of new providers have entered this market in recent years and made the choice bewildering to many first time expatriates. Also, whilst the benefits may appear very similar, all providers have different attitudes towards exclusions - "the devil is in the detail", and we can help you through this complexity.
The Directors of Herald Insurance Brokers all have extensive experience of the market, and what it is like to be an expatriate.
Detailed description:
Our philosophy is to provide our clients with the best possible cover for their money. As a broker, once we have a detailed knowledge of your requirements, we are able to offer you at least 3 options to choose from. We are not beholden to one particular insurer, meaning we can give truly best advice.
Herald Insurance Brokers Ltd is Registered in the UK and is Authorised and Regulated by the Financial Services Authority and complies with their regulatory requirements.
If you are an individual or a family, Herald Insurance Brokers can help you arrange the most suitable cover for your needs and budget. We can only do this once we understand exactly what you/your family require, but the following may help you along the way.
Do I need international medical insurance?
An important first question. Remember that health facilities and quality of healthcare differs enormously from country to country. Even in Europe and the Western world, there are several countries where people experience poor care. In the developing world, the quality is erratic, and generally on a self pay (private) system. The broad advice is that if the quality of healthcare in the country you are going to is worse than you currently enjoy, and you are going to a 2nd/3rd world country, international medical cover is essential. Don't take chances with your health.
Why not just buy travel insurance?
Two very good reasons. Firstly, travel insurance limits the time of cover and secondly, only emergencies are covered.
Why not buy local insurance in the country I am going to?
Generally speaking, local policies only cover you in that one country. International policies allow you to be treated virtually anywhere including your home country (subject to policy conditions).
Is the Insurance provider important?
The choice is extensive, both in terms of the extent and type of cover, but also the quality of the insurance provider.
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