The last thing you need when seeking advice is for the person at the other end of the phone to not be able to understand you. The international insurer should also be able to settle bills direct with hospital providers and be able to settle claims in any currency. I ve found a very cheap international policy. Do not just opt for the cheapest policy. Look at the level of cover and any exclusions.
Some companies severely limit or cap the overall cover limit on a plan.
Cover limits can vary from 50,000 to 5,000,000 in some cases. If you are planning on retiring in a foreign country, make sure that your policy covers you for your entire lifetime. Yes - although in certain industries they expect the employee to pay part of the cost either in the form of a contribution towards the subscription or by imposing an excess.