• Expatriate Health Insurance Blog

  • Monday, February 19, 2018

Without mincing words, international medical insurance or expatriate health insurance will get rid of the risk of hazards for the duration of an expatriate’s employment abroad. When the employees of an organization are in the right state of body, spirit and mind due to the fact that good health reduces absenteeism and increases productivity, such an organization profits. In addition, the dissimilarity in the echelons of services, healthcare quality, medical bills and treatment procedures differs from one nation to another.

However, contingencies can cause a host of problems such as injuries, illnesses or accidents, to the disappointment of many expatriates. Therefore one should in an ideal world be safeguarded with an appropriate medical insurance coverage. On the other hand, most expatriates often wrestles with insecurity, in the absence of one’s recognizable home base healthcare systems.

Depending on the state of economy of a particular country, the gap could be ever huger. For instance, the difference between under developing and developed countries could be spectacular. As a result, it makes sense for any employer to cover its staffs stationed abroad with good expatriate insurance plans that is carrying useful and pertinent insurance coverage such as medical treatment facilities in good standard hospitals, repatriation, premium, emergency evacuation and other relevant features.

One interesting thing about private health insurance for expatriates is that it gives quick medical support and prompt customer service, unlike ordinary expat healthcare plans.

Making sure that employees are provided with basic amenities by the employers even when they are based out abroad makes the relationship between the employer and employee stronger. An intertwined network of communication between the insurer, the employer and the insured will enable all the parties to make paperwork and preparations for non-emergency medical treatment.

Moreover, insurers have resorted to insurance policies with abridged features and augmented penalties, with the medical bills and the cost of living rising at a rocket speed and not interfere with the premiums. For this reason, it is even more vital for insurance buyers to read the comprehensive ‘terms and conditions’ or for those that are written in small type fonts prior to signing up for any particular plan.


Expatriate international health insurance or an individual international medical policy should be bought in a situation where you are not covered by a group medical insurance program. These policies are the evacuations services as well as worldwide medical protection. The costs are sensible and less expensive than the coverage in the United States of America. On the other hand, a lot of these plans have global networks and direct-pay with hospitals worldwide.

By and large, expatriate health insurance policy will calculate premium depending on the age of the policy holder, his or her medical history as well as the area of coverage apart from their claim history. The Worldwide excluding the USA or Worldwide are the two areas of cover by international health insurance policy. Why this is so is simply because, in the whole world, the medical care in the USA is the most expensive. Nevertheless, nearly all international insurance companies ranks countries by medical costs as well as have premiums attuned in view of that.

Many of the expatriate international health insurance plans are nevertheless portable internationally. This enables foreign nationals living abroad to move lithely from one country to another devoid of no cover periods. This major dissimilarity from Local health insurance plans makes these policies good-looking to a lot of individuals. Nevertheless, for the most part, an international health insurance policy will not cover an individual when they have gone back to their home country which will only make the investment practical in a situation where the policyholder is making preparation to be overseas for an extended period of time.

It is quite imperative to know the way your medical policy will assist you if you necessitate urgent medical care in your host country. Various countries possess less than sufficient facilities and may need instantaneous payment for services. For that reason, it is worthwhile to appreciate the support that your policy will offer to locate appropriate medical facilities.


As the number of expats in the world continues to increase, there is the need to define the major services of the expatriates that are crucial to living abroad. An expatriate, often shorten to expat is somebody that is eternally or for the time being residing in a country and culture different from his or her legal or upbringing residence. The word expat has different interpretations to diverse group of people and the way the word is being used has changed a lot for quite some time now. A lot of people will want to make a clear point that they are never temporary residents or tourists as they might say that they are never expatriates. On the other hand, others see themselves clearly as expats.
The word expatriate or expat has specific favorable implications for tax status and treatment and it is perceived as a signal of status and wealth. Nevertheless, for those living outside their region or home country, the term expatriate or expat has become increasingly accepted.
Today, the world economy is moving out of the traditional economic system that the national markets were considered as distinct entities, which were isolated from each other by barrier of distance, trade barriers, culture and time in the direction of a modern economic system, where the general markets are reconciling into one gigantic global market. It is no longer meaningful again to talk about the German Market, American market or the Japanese market in many industries.
As a result, the companies are being forced to set up their manufacturing and marketing facilities in different foreign countries in order to do business globally because the developments in the international business atmosphere are forcing companies to think of the world as one vast market. Hence, there is still increasing number of people in the world of today, who are sent on foreign assignments for a longer or shorter period of time by companies and it is those people that are referred to as expatriates.
Those companies that carry out operations around the world consider it necessary to keep sending employees abroad for short-term and long-term project requirements. They offer them with the major services that are critical to living in a meticulous region and country. These important services are generally operated differently from one country to another. In other words, Banking, Legal, Accounting, Tax procedures, Insurance, Health, Education and Real-estate services are some of the most imperative services for an expat living abroad.



It is imperative for companies to take part in the expat insurance schemes in order to ensure safe working abroad conditions for their employees. The most valuable resources for all organizations are the boom or economy slowdown employees. Therefore, the human resource departments of every organization have to put in a lot of efforts to motivate employees and keep them motivated for continued performance and efficiency, to find and keep the best employees.
The majority of the Companies that carry out their operations around the world have to continue sending their employees abroad for short-term and long-term project requirements. On the other hand, they have to make sure that they accept full responsibility of the welfare of their expatriate employees in order for them not to feel susceptible when posted overseas. As a result, not only big or medium sized organizations but small companies as well ensure that their employees receive most appropriate and effective health-care facilities, at any time and anywhere they need it.
Companies need expat health insurance for their employees as the ideal solution to ensure total well-being of their expatriate employees due to the fact that the healthcare facilities in many countries have moved into the hands of privately run medical centers, where the health-care expenses can easily spur out of control. Whether the candidate takes a job or not, health benefits are a big factor, particularly when the profile demands traveling or staying overseas for work related reasons.
Furthermore, the ability to reap on the tax incentives is another reason for companies partaking in the expat insurance schemes. The ability to deduct whole premiums for some health plans will enable businesses reduces payroll taxes. To achieve the best, companies hunt for an agent or a broker that is licensed, who can listen to what they actually want and offers the most suitable solutions for them.
On the other hand, it is necessary for employees to put the expat insurance plans that allow employees to focus on maintaining good health conditions into consideration. There are benefits included in the corporate expat health insurance plans such as; the maternity cover, vaccinations and inoculations, emergency medical evacuation, annual health check, cashless hospitalization, ophthalmologist fees and eye surgery as well as preventive general and surgical dental care, among many others.
Finally, companies should arm themselves with as much information as possible to start the process of picking the right health insurance plan for expat employees, to ensure that the plan is well received by the employees since it is a vital part of both employer and employee’s success overseas!

From the HR-literature we know that Expatriates are grouped into three categories – Parent Country Nationals ( PCNs), Host Country Nationals (HCNs) as well as the Third Country Nationals (TCNs) from the HR-literature point of view. However, for a better understanding of the responsibilities or roles of expatriates, this article will examine the responsibilities of a typical expatriate from the four general approaches to international staffing which are the Ethnocentric, Polycentric, Geocentric and Regiocentric approaches.

One of the responsibilities of the expatriates is the filling of positions and securing transfer of technology as expatriates are being sent abroad by companies for the purpose of transferring their technology to the foreign subsidiary. In order words, companies send the PCNs to fill out the positions, in countries where qualified people are not available. This approach is used mostly by multinational and international firms.

In a situation where the companies can exercise this control by using the PCNs in their foreign subsidiaries, securing the headquarter control is another responsibility of the expatriates. In this case, the cultures of the headquarters are incorporated into the foreign operations by the firms, which may create cultural problems in some cases, particularly when the MCNs tend to demand financial and administrative control in their foreign operations.

As quite a lot of firms find international experience highly important before promoting their employees, there is opportunity for management development and international experience. Consequently, in order to learn foreign cultures and environments, foreign transfers are hereby imperative. Qualified HCNs are available in such situations, but managers are still transferred to foreign subsidiaries to acquire knowledge and skills.

Another responsibility of the expatriates is that of securing organizational development aka geocentric approach. Only the best expatriates at the best places devoid of nationality barriers perform this role. The transfer or reassignment of staff can take place from headquarter to the subsidiary, from the subsidiary to headquarter as well as from subsidiary to subsidiary. As the objective of this staffing strategy is to get to know about decentralization, different cultures, creating international networks, and interaction between managers of different nationalities, nationality of employees does not matter in this situation.


Although there are a lot of other factors like transportation, housing and adaptation to culture and lifestyle you must put into consideration when traveling abroad as an expatriate, making sure that you are covered by comprehensive expatriate medical insurance policy is one vital factor you must not ignore. It is no surprise that many are choosing to travel for extended periods of time internationally for the purpose of work and leisure, with the increasing frequency of cheap international travel and the propensity of people to travel through the world.
As individuals and families look for a new life abroad that offer better work opportunities, climates, or just the ability to reduce the geographical barriers to friends and family members, expatriating is becoming commonplace. The majorities of the people who are relocating internationally are able to experience a new way of life and are able to tap into business and work opportunities that were not afforded to them in their home country or the country of their departure. Nevertheless, it is very important to finalize certain issues before you make the move of traveling abroad to become an expatriate in order for your stay to be a remarkable one.
Comprehensive expatriate medical insurance policy and many other levels of insurance being offered by a large number of insurance companies are available on the market for you. Therefore, you need to be convinced of the type of insurance that is suitable for you as well as the insurance provider that will offer you the best. Due to the fact that people from family formations, all backgrounds and income ranges apply for expatriate medical insurance, it is significant that the insurance agency that you use maintains flexible options and plans that can cater for your requirements in their policies.
Therefore, you have to consult with specialist consultants from an organization that specializes in medical and travel insurance, as a rule of thumb. It is necessary that you read the policy carefully and ensure that the policy is underwritten by a company that has the credentials and experience to perform, because a lot of insurance agencies attempt to be everything to everyone. Whether for a short break or an extended stay, expatriate medical insurance and specialist travel insurance providers are in the business of selling particular insurance that covers those travelling overseas.
Finally, making sure that you are adequately covered of any event is one major step you should first consider, if you are thinking of traveling abroad.  Discuss with a specialist agency that can provide you the best rates and cover for expatriate medical insurance, and don’t ever take the risk of being uninsured.

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