I am looking for an international health insurance, i.e. a health insurance, covering both outpatient and inpatient that pays first versus having to the patient pay first and get reimbursed.
US and Canada do not need to be included in the package.
Usually, when I buy local health insurances and I use medical services (OP and IP) maybe of the health insurances have the service that you do not need to pay upfront, i.e. using your card in the hospital/clinic is enough. And this is really comfortable for me.
However, if I use international health insurances, I need to pay upfront and then make a claim to the health insurance. This has proven to me to be REALLY ANNOYING. Every time I need to fill in a long form provide documents etc. and wait for their answer.
Question: Is there any health insurance that works internationally and provides this service? In particular I tried Integra Global, which proved to be the worst customer service and service in general I have experienced. Wondering if anyone tried other big players such as Bupa.