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Blogs & News

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Expat financial planning blogs & news

Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

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CSM Ltd - Expat Financial Planning Blog Team


Learn the difference in medical insurance policy excess wording
medical-insurance-policy-wording

There are fundamental differences between policy excess (deductible) policy wordings

Learn the difference in medical insurance policy excess wording

Expat Medical Insurance policies will generally all have a policy excess (sometimes referred to as a policy deductible) applied in the event of a claim.

The type and wording of a policy excess will have a significant impact on how a claim is treated and the claim reimbursement that is made.

Learn the differences between a 'per annum' and a 'per claim' plan excess.

Per claim excesses

The ‘per claim’ excess is the total amount that policy holders will have to contribute towards the cost of each claim they make.

By ‘claim’, is generally meant to mean a course of medical treatment.

Policy holders won’t have to pay the excess for each bill that forms part of their claim.

Per annum excesses

The ‘per annum’ excess is the total amount that policy holders will have to contribute towards the cost of all claims during the period of cover.

We have been advising clients on expat medical insurance and travel insurance for over 30 years , if you would like to discuss issues related to your existing cover or simply require help in obtaining the best cover for your circumstances please use the button below.

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