| How it works for people who are residing abroad for extended period of time. From your exceptions list: 16. Routine medical examinations, This surely can't compare to a full service mid-tier insurance of equal price. Other expat insurance do cover 2-3 checkups a year with conditions on checkup venue and price. 36. products that can be purchased without a doctor's prescription. When a necessary off the counter drug is being prescribed by a doctor, will it not be covered? How this works in countries where you can buy pretty much anything off the counter, sans opiates? 41. Charges exceeding usual, reasonable and customary. Specific limits? Especially want to know it for countries like China where where the difference in between public hospital - basic private clinic - and in a hospital that is up to international standards is like 8-10 times More specific language for hospital stay and follow-up is needed. Say you broke a leg. You got released from hospital, but have to come for follow ups, remove the cast and sutures. Both did cost like $100 to me in Shanghai with 150 for the price of visit itself, which is more than I would've paid in Canada. Will follow ups be subject to outpatient visit limits? My feel is that this more of an extended travel insurance, rather than a dedicated expat insurance that will allow for: a. you to remain in the country if you get in a moderately serious medical situation (on a level of appendectomy, complicated fracture treatment) and cover follow up care, b. cover your regular medical expenses |