• Expatriate Health Insurance Blog

  • Saturday, January 20, 2018

The world has become a global village thanks to the linkage of the world in terms of companies that have their branches all over the world. This has opened employment doors for people along with giving them opportunities to explore the world by travelling or living in another country as per their job requirements. While this is a good thing in itself, however, it sometimes pulls families to shift to another country for that duration for which the person has been allotted to that location. This is where Expatriate health insurance comes in.

For people, who have long term employments in a country other than their motherland, this insurance is ideal to cover for their medical, relocation requirements and also for their family member. It is not easy for a person to leave their country and move to a new one, so imagine how difficult it will be for a family. Expatriate Health Insurance covers medical expenses, personal property, and automobile and short-term travel insurance. It also covers family costs related to the relocation.

In today’s world, terrorism has also made lives difficult for people. In the wake of terrorism, relocation can be a challenge. A lot of Expatriate Insurance plans cover the terrorism or kidnapping problems as well. This gives people relocating to such places a relief as this is a very crucial point which the insurance needs to cover. A lot of companies, by default provide expatriate insurance to their employees who are willing to relocate. However, sometimes the plan offered by the company does not cover the family needs. So, in this a person can get private insurance which will help them in securing what they need. If you are one such person who has not taken insurance till yet, it is a good idea especially if your jobs requires you to travel to international locations and also back to your country frequently.

In order to assist in clearing their backlog of operations, quite a number of NHS Trusts have been coming to short-term arrangements with private hospitals. For this reason, appointments for planned, discretionary processes can be hindered occasionally by unanticipated situations that are beyond the control of the Trust. Example of such unexpected situation is the harshly unfavorable weather conditions. On the other hand for instance, heavy snow can add to sharp attendances at Accident and Emergency Departments, at the same time as also preventing elective patients and the staff to offer them treatment from getting to the hospital. Situations like those mentioned above have incidental effect on the waiting list of NHS.
However, an increasing number of patients are looking into private healthcare provision with the heap of pressures on the NHS to deliver timely services. This strange of going private might appear intimidating for a lot of people. Nevertheless, if you follow just a few basic steps, you will be free to enjoy the best of both private healthcare and expatriate health insurance as alternatives to state health provision and NHS.
For example, good number of private hospitals can carry out tests more quickly than the standard NHS route and at a time that is expedient to the individual should these tests or investigations be required. It is no more news to us that it can be worrying and frustrating business, waiting to see the specialist or hospital consultant, despite the fact that the existing 18 weeks policy of NHS has sought after address this issue.
The majority of consultants work in both private practice at a local private hospital and an NHS hospital. The GP of those patients who desire to see a hospital specialist privately is able to make a referral on their behalf. Several people make the choice of private healthcare in order to ascertain that they are seen by a meticulous consultant of their choice that might be one they have seen before or had been recommended to them.
Generally, it will take two or three weeks to see a specialist when you book an appointment via the private healthcare route and the secretary to he consultant liaises directly with the hospital concerning the admissions of patients. It is possible for patients to get in touch with their local hospital and find out where a particular specialist bases his private practice, even though private hospitals are not permitted to recommend individual consultants.
There are a lot of services including physiotherapy and health screening that can be arranged by a direct contact with the hospital. Therefore, it is not always essential to access private healthcare through the GP. For many people, taking out expatriate health insurance or private healthcare is the answer because it is popular to those who live abroad. Expatriate health insurance cover will give you the option of making use of the well-known State or NHS route of accessing services direct.

If you want to get the best of expatriate health insurance, it is very important to employ the service of professional insurance company. As there are numbers of these companies on the internet, you need certain tips to guide you in selecting the best insurance company for your expatriate health insurance service.
When you are seeking the service of an insurance company for your expatriate health insurance, make sure that the company is knowledgeable enough to provide you with excellent service. Such a company must understand how to handle claims in efficient and timely way. On the other hand, select the insurance company that will be ready to pay your claims as at when due.
On the other hand, before you have any dealing with an insurance company, you need to know the standing of the company very well. In other words, know the character of the insurance company before you enter into expatriate health insurance with them. This is essential because the internet is full of various characters, both good and bad. Many insurance companies will pretend to be of good character, but reverse is the case. Therefore, find out very well!
Furthermore, choose the insurance company that will accommodate your lifestyle. Be aware that the contract of insurance is that of “utmost good faith”. Therefore, search for that expatriate insurance company that will cover you for any injury or accident in the course of living your lifestyle. For example, if you take part in sporting activities or other unsafe hobbies, declare this to the insurance company so that they will offer you the best plan that will suit the type of lifestyle you live.
In addition, you must select an insurance company that will be ready to offer you all round support throughout the year. In other words, you must have access to customer service and assistance at any point you may require help during the expatriate health insurance contract. By so doing, you are certain that you can speak to an agent of the insurance company quickly if there is any emergency and necessary action will be taken without delay.
When it comes to the issue of selecting insurance company for your expatriate health insurance requirements, you need to select the best company to have value for your money. Hence, choose a company that will offer you excellent customer service, cover you irrespective of your lifestyle, a company of good standing as well as a professional insurance company with expatriate health insurance knowledge.


When you are preparing yourself to work abroad as an expatriate, do not take your expatriate health insurance policy with lightheartedness. This is due to the fact that when it comes to health in a foreign land, you have to pay through your nose if you are not covered. In a situation where you fail to purchase expatriate health insurance when traveling abroad, you will be denied of medical treatment while abroad. Hence, expat health insurance is not negotiable when it comes to traveling abroad to work as an expatriate with valid documents.
However, if you have traveled abroad without expat health insurance by omission or commission, you better get yourself protected right away. When you obtain expatriate health insurance policy, it is as if you are saving against the rainy day or investing on your health because your policy will cover medical bills of a certain amount. Interestingly, you don’t have to do it all alone as there are many insurance agencies that are readily available to assist you. All you need to do is to ascertain that you select the right agency.
If you are fortunate enough, expatriate health insurance will be part of the package that your employer will offer you. This will save you the burden of searching for the best insurance agency that will offer you the best service. Nevertheless, corroborate your expatriate health insurance with your employer to ensure that same is handled by experienced insurance agency to avert future problems.
Also, to feel safe when unexpected occurs, make sure that you are covered by good and complete policy. In other words, if you are a non citizen without cover, you may be denied treatment or given emergency treatment. You might even not be treated even if your officially authorized documents showed that you are existing resident.
The fact that you are not sick at present does not mean that you don’t require expat health insurance. Always think of the time when accident and illness will strike suddenly as this is inevitable. If you are not covered and wish to obtain treatment in a private hospital, you must be prepared to pay high medical bills and you have to pay all alone. Therefore, get insured!


The personal property insurance for expatriate cover is the type of insurance that is usually attached to a home insurance policy to offer coverage for all your valuable items including all fixtures and fittings as well as other additional items of increased value in the home. It is possible to incorporate exact items on a “WWAR” (Worldwide All Risks) basis which will offer your valuables protection outside of your home with home insurance policy.
When insuring WWAR items, insurers will typically need evidence of value while the addition of these items will increase the plans premium. In the United States of America, personal property insurance for expatriates plan is usually called the renters insurance, even though the span of these policies overseas can have much wider insinuations.

International transport insurance is usually a valuable plan for individuals who are relocating overseas. This is because these plans are tremendously extensive in their scope and the policy will usually be subject to marine insurance and maritime law, if the items insured are being shipped to their destination. As there are many different areas of consideration, international transport insurance can be complex and there is an insurance company that that have dedicated international transport specialists that deals with this area of insurance in general.                                                                                                                             

Due to the fact that personal property insurance for expatriate claims can be difficult, they are usually settled through indemnity, which is the payment of some money to the insured person to cover the loss, through repair – payment made to a repairer to repair the damaged property or item, through outright replacement of the damaged items or property with new ones and through restoration of item or property to its initial condition prior to the loss and new for old – changing the damaged items for new ones that acts in the same manner or way as the damaged or lost item.

However, the marine-related insurance policies or marine insurance have complex and long claims procedures that are best left to expats. Nevertheless, it is quite imperative for you to check the policy schedule carefully and know in which way claims on a specific policy will be settled.

The expatriate health insurance plan is a passport to living as well as working abroad as there is nothing more imperative than insurance oneself due to the fact that it adds value to one’s livelihood. On the other hand, your traveling documents are not complete without expatriate health insurance. For those expatriates living outside their home country, taking out expatriate health insurance or international health insurance is just a main concern or issue.
The best alternative for you as an expatriate is to take a smart-step by buying an insurance policy whether you want travel insurance to Europe or that of a medical insurance to the United States of America. In other words, a health insurance protection is such that is as valuable as your international passport that you carry to identify yourself, regardless of the time and place. Due to the benefits they involve, most international health insurances for expatriates are intricate and costly. That’s why this coverage may have limited coverage of hospitals, treatments, situations and country-specific.
Life insurance protections on the contrary will be nothing close to expat insurance for the reason that they are only specific to the boundaries of the home country and not ahead of. That is not all! Procuring an apt expat health insurance is fairly an ordeal in itself since it may demand scrupulous market research and few rounds of expert consultations. On the other hand, a self assessment of the current expat health insurance products may help an expat to accomplish great outcome.
In addition, expatriate health insurance will give alternative and superlative treatments like acupuncture, homeopathy, osteopathy and physiotherapy among others. Comprehensive plans like the health care facilities mentioned above are costlier than the ordinary expat insurance plans. Therefore, under the Private Insurance group, high-tech health care benefits for expats are characteristically obtainable.
However, for you to get the best of the available health insurance for expatriates, you need to start with the best insurance companies to get the best prices available. Hence, make sure you have done appropriate and careful market research on USA insurance before going on any further.

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