AnkyroQuestions
Plain answers to fair questions.
Can’t find yours? Ask Ankyro in the chat, or write to hello@ankyro.com.
What is international health insurance?+
A health plan for people who live outside their home country. It covers everyday care, hospital stays and ongoing treatment in the countries you choose, often including your home country. Expats, remote workers, students and retirees abroad use it.
Is travel insurance enough if I live abroad?+
Usually not. Travel insurance covers emergencies on short trips. If you live abroad, you need a plan that also covers check-ups, specialists and long treatments.
Do you only compare international plans?+
No. In each country we also look at local plans, which are sometimes cheaper and sometimes required for your visa. International plans go through our international broker partner, local plans through a broker licensed in that country.
Is Ankyro really free?+
Yes. When you buy, the insurer or our broker partner pays Ankyro a fee. You pay the insurer’s normal price, the same as if you went to them directly.
Is Ankyro an insurance company?+
No. The insurer is the company that covers you and pays your medical bills. A licensed broker partner checks and files your application. Ankyro does the work in between: finding the plans, comparing them and filling in the forms.
Will I pay more than buying direct?+
No. Insurers charge their normal price whether you come through Ankyro or go to them directly. You pay the insurer, never us.
Can I get covered with a health condition?+
Often, yes. Some plans cover it from day 1, some after a waiting time, and some leave it out. Ankyro tells you which is which before you choose, and the insurer’s answer is shown to you before you sign anything final.
How long does it take?+
The chat takes about 5 minutes. Comparing takes seconds. Signing takes about 10 minutes. Then the insurer reviews your answers, which usually takes 1 to 5 working days.
What if the insurer says no, or adds an exclusion?+
Nothing is final until you accept and pay. If an insurer adds an exclusion or says no, Ankyro shows you why and offers the next best plan.
Do I have to talk to anyone?+
No. You can do it all in the chat. If you want to talk to a person, ask in the chat and the broker will call you.
Can I use WhatsApp?+
Yes. Once you’re covered, send claims, receipts, medical reports and questions to Ankyro on WhatsApp. Or use your dashboard, whichever you like. Medical files only go to your broker and insurer, with your OK. For your passport or a signature, we send you a secure link.
What happens to my health information?+
We only ask what insurers need. It’s encrypted, only shared with the broker and the insurer you choose, and never sold. You can ask us to delete it at any time.