What are the differences between International Health and Local Programs?

The two main categories of health products are International Programs and Local Programs.

The international programs have been created with the aim of offering high level services without geographical limitation.

Precisely because they have been created with global coverage in mind, they usually have no restrictions on contracted hospitals or doctors.

Below we have created a summary table (*) with the main differences.

Characteristics International Local
Designed for International customers Local
Coverage level High Lower
Coverage ceiling High Lower
Coverage area Global Limited
Coverage options A lot Fewer
Hospital coverage Private Private / Public
Hospital fullness High Smaller
Renewability Lifelong Lifelong
Hospital Network Global Limited
Exceptions Few More
Coverage of pre-existing Several Usually not
Language support Multilingual Local
Medication coverage Yes No
Direct payment to all hospitals Yes No
Compensation to offline doctors Yes No
(*) The table is indicative and due to the many available health programs it is quite concise and aims to give a general description - comparison of the two main categories of hospital insurance