David is a 56-year-old widower who is moving to Italy to retire, following the death of his wife earlier this year. Having witnessed his wife's suffering, he now sees the value of private medical insurance (PMI), and is looking to obtain international PMI for when he moves to the continent. David is in reasonably good health but recently learned from the doctor that he has arthritis in his left ankle. However, he is on sufficient medication to curb the pain. He is also not restricted in terms of budget. What would you recommend for him?
Andrew Wilson, MedibrokerTwo key areas should be considered. Due to David's experience prior to the death of his wife, a plan providing high levels of benefits for managing chronic medical conditions should be considered. As David has recently been diagnosed with localised arthritis, a solution that has the potential to cover pre-existing conditions (possibly with premium loading) should be discussed in the eventuality of the arthritis spreading or getting worse. Bearing this in mind, one idea could be the IHI Danmark International Health and Hospital Plan - giving quality benefits, inc...
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