How are these needs likely to change (notably with advancing years)?
Are you certain you can keep up the premiums on the policy you have chosen? That being said, the cheapest product you can find certainly won’t be the best.
Have you really understood what you’ve signed up for? As William Gerard puts it, “The large print giveth, the small print taketh away.” Read through a policy very carefully – there may be exclusions (do they cover outpatient treatment?) or treatments you’re unlikely to need.
Who are the insurers?
Providers known to us and who do business in English
The Eric Blair Network
EBN has a long history in Monaco both as a general insurance broker and as offering health cover. Says Eric Blair: “We deal with a lot of clients who want full cover and we’ve developed our own package Optimus which is especially crafted to meet specific needs.”
Spectrum IFA offers full cover from BUPA International, who have interesting Business, Maritime and Travel plans. In addition Spectrum offer travel insurance from Worldwide Health whose travel policies include products for over- 80s and people who have already started their trip, in certain cases.
Explains MD Guy Boscagli, “We offer both full coverage and top up products and we’re especially aware of the needs of anglophone clients. We aim to provide a package closely tailored to individual needs, taking into account of whether the insured person lives in France, Monaco or Italy.”
William Gerard, AXA
This office does 90% of its business with AXA products, both in general and health insurance. “We have a lot of English-speaking clients, most of whom require top-up insurance to complement their social security cover.”
Mike Lorimer in Antibes has been dealing with health insurance for nearly a decade. “As part of the Spectrum IFA Group, I’m affiliated with several insurers which allows me to provide the right health insurance for the international client living in the region or on a yacht, with all the documentation being in English.”