• Expatriate Health Insurance Blog

  • Tuesday, August 22, 2017

For the fact that many countries are with different driving rules, expatriate driving abroad must first understand the rule of that foreign country before driving in that country. You can get necessary details and information about driving abroad from foreign government tourism offices, foreign embassies or from a car rental company of that foreign country.

The premise of the law of driving abroad and other laws in many countries is that you are guilty of an offense until you are proven innocent. Hence, it is extremely imperative that you drive as cautiously as you can as an expatriate and without obstructing traffic or dangerously slow.
When driving abroad therefore, an expatriate can avoid problems in the following ways.

1.  Familiarize yourself with the meaning and interpretation of the street signs and bring a Bi-Lingual dictionary if you are traveling to a country where you do not speak or understand their language.

2.  Furthermore, make sure that you get an International Driving Permit – IDP that will permit you to drive in the country you are going. Carry along with you both your driver’s license and IDP at all time.

3.  For the fact that some countries have both minimum and maximum driving age, find out the driving age limits before you start driving abroad.

4.  On the other hand, some countries only require road permits for you to drive on their divided highways instead of tolls. Therefore, before you start driving on the divided highways as an expatriate, obtain such permit so that you will not be fined when caught driving on such roads.

5. Make sure you buckle up all the time you find yourself driving abroad. This is a serious offense in some countries and there are severe penalties for it also. Therefore, beware!

6.  Moreover, note that in some countries, you are required to honk your horn or flash your light before passing or negotiating a sharp corner. Therefore, if you find yourself in such country and want to avoid problem, do exactly as the law requires.

7.  Another way to avoid problem as an expatriate driving abroad is to find out the person that has the right of way in a traffic circle even before you start your journey.

8.  Furthermore, make sure you are covered with liability insurance if you rent a car as failure to get it may lead to financial disaster for you.

9.  Finally, if you find yourself in a country where they drive on the opposite side of the road than in your home country, it may be sensible for you to first practice driving in a less populated area before you finally starts driving during the heavy traffic period of the day.
Driving abroad is as easy as in your home country if you can only abide by the tips above as an expatriate. Therefore, digest the above tips if you don’t want any problem for yourself while driving abroad as expatriate.

There are diverse ways that expatriates can feel secured when driving abroad. As you are thinking of the challenges you will face in your new job as well as the country of abode, you must also put driving abroad problems into consideration and then think of how to overcome these problems. Driving abroad can be fun and exciting if you understand the laws you can abide strictly by these laws guiding driving abroad, particularly for expatriates. This article will identify how expatriates and other visitors alike to a foreign country can feel safe and secured when driving abroad.

As an expatriate driving abroad, the first thing you must do to feel secured and safe is to make sure that you are aware and up-to-date in all the essential driving rules of that country you find yourself before you start driving through. On the other hand, you must be certain of the side of the road you should be driving.

Furthermore, ensure that your vehicle is road worthy before you set out on any journey. Therefore, give your vehicle a thorough servicing before embarking on your journey. Check the electrics, fuel, water as well as the oil in the car. When driving abroad, remember to check the pressure and thread of your types before putting such car on the road.

Consequently, it is imperative to know the driving codes of your new country very well before you start driving abroad, knowing fully well that the driving laws and highway codes will differ from that of the country you are coming from. Once you are conversant with these codes and signs, you can drive perfectly without putting yourself into any traffic problem.

Better still, if you want to feel safe and secured, you need to attend one of the reputable driving schools of that country before you start driving abroad as an expatriate. This is the best place where you will be put through concerning all the rules of driving in that country. Due to the fact that most of these driving schools are being managed by professionals, you have the opportunity of asking them questions, particularly in the areas that are not clear to you.

Driving abroad for an expatriate is just like driving in your home country only for the fact that highway codes and driving laws may differ. However, as an expatriate who want to drive abroad, you need to first understand the highway codes of the new country before attempting to drive while abroad. The above tips will guide you in your attempt to start driving abroad if you can follow them strictly.

 

Relocating abroad as an expatriate is exciting and fun particularly when you have your expatriate health insurance cover. Unfortunately, it also poses a lot of issues and a little bit of hurdles that you need to endure, accept and deal with, if you want to be successful in your move. It is reasonable for you to presume that you know the local culture if you are moving to a foreign land off your own accord. Nevertheless, you may not, if you are relocating at the behest of a partner.
It is vital for you to get yourself familiar with the local community, including the new surroundings and the residents. Therefore, exercise patient in walking around the area to identify where banks, supermarkets, bars, restaurants and other site attractions are located. As a new expatriate in another different country entirely, you need to meet and extend pleasantries with the owners of such organizations, introduce yourself to them, find out their names and let them understand that you are new in the area as this people will be your immediate neighbors who will appreciate your effort in this way.
Learning of the language of the community you find yourself is one of the most vital things to do when moving abroad as an expatriate after obtaining your expatriate health insurance cover, but it is quite unfortunate that a lot of expats still fail to do this. Learning the language will enable you to make a lot more out of your time there in addition to making your move very much easier. Just because of language barriers, it is amazing the amount of events and opportunities that expatriates miss out on.
Furthermore, the ability to communicate effectively your ideas and aims, as well as know those of others is so fundamental to assisting your relocation experience. Therefore, as soon as your move is confirmed, go to classes to learn the language of your new country of abode or invest in a language CD immediately. When you do it with a group of other people, it is easy to learn and understand a new language.
When you are relocating as an expatriate, there are many formalities you need to handle. Do you have your expatriate health insurance? It is vital for you to have a comprehensive expatriate health insurance cover for you and your family while moving abroad. Having expatriate health insurance cover is a wonderful thing to consider when traveling abroad as an expatriate.
If an accident should occur without you having expatriate health insurance that will cover you, you will be exposed to high medical bills which have made some expats bankrupt in the past. Therefore, do not make the mistake of not having expatriate health insurance cover before you finally travel abroad.
Finally, in addition to your expatriate health insurance cover, make sure you register with the local council and authorities. Ensure that you are on their books as you make everything above board.

Whenever some expatriate are traveling abroad, in order to avoid cost of taking expatriate health insurance, they usually take out a travel insurance policy, rely on the country’s national health care system or take out insurance with a local insurer. These are impossible options that have downsides and should not be considered possible when looking for alternatives to expatriate health insurance policy.

In the first instance, travel insurance is not for a day to day healthcare but only ideal for vacations and emergencies. As a result, if you take out travel insurance for your cover in a different country, it is a very costly mistake that can expose you in any non-emergency condition. However, if you have just travel insurance and you end up seeking medical care regularly, you may not be covered but have to pay for it yourself.

Expatriates had the magnificence of gaining from foreign country’s national healthcare in the past, but reverse is the case in this new dispensation as foreign governments are becoming stricter when it comes to having free access to state health care by expatriates. In fact, it is now a law in most countries that all expatriates must possess expatriate health insurance.

Another impossible option that looks nice-looking as alternative to expatriate health insurance is taking out health insurance from a local insurer. Although, this alternative is cheaper, it is with its own downsides and can be highly expensive as time goes on. As you submit more claims when dealing with local insurer, the more your premium will increase. This is due to the fact that local insurers take note of your claims history, thereby adjusting your premium against any increase in your claims.

As your premium is cheap at the initial stage of taking out the policy, you have an empty claims profile. Nevertheless, community ratings are being used by international health insurers to calculate premiums. This implies that health status and claims history is a non factor when calculating the amount you will pay while the only changes in price are as a result of aging and economic fluctuations.

Finally, a local plan equally inhibits the flexibility you have as expats are noted for being on the move always. The implication of taking out local insurance as an alternative to expatriate health insures is that you are not covered when you relocate or move to another new country.

 

It is extremely important to understand the terms and conditions that are applicable to your expat health insurance policy just as the benefits that you are receiving. It is possible to buy expat health insurance policies that will provide cover for the whole range of medical treatments in terms of coverage benefits and many individuals that purchase expat health insurance policy do so to ensure their protection.
On the other hand, not all these benefits will be suitable; depending on the place you may be geographically located. For instance, it may be a good idea to obtain a plan with a full dental benefit in the United States of America or Europe. However, if you are a foreign national that is relocating to South East Asia, it is not advisable for you to use the coverage as dental treatment in Vietnam, Thailand and Singapore as it could be comparatively expensive.
In the same vein, for international citizens traveling to the United States, if your expat health insurance covers you in the states, an emergency migration benefit will not likely to be realistic but just add to an increased premium.
Lack of understanding is what contributes to the general myths and misconceptions pertaining to expat health insurance and healthcare around the world. There are always options available while it can be difficult to obtain the required information that you require before leaving for your destination.
However, you will be able to understand what terms and conditions are applicable to expat health insurance by making use of resources like Commonwealth and the United Kingdom’s Foreign Office, accessing the World Health Organization (WHO) website as well as the Center for Disease Control’s online database. Following this procedure will permit you to logically assess the health condition in any particular country prior to when you get there.
Furthermore, the entire international insurance industry is in addition to the plethora online tools and websites at your disposal. Hence, talking to a reputable broker or different insurance companies can help you understand the ins and outs of an expat health insurance plan as well as the international healthcare system in totality. Nevertheless, take some time to think about situation if you are confused about expat health insurance in a specific country for some reasons and call an expert to bail you out if you are still in doubt.

With expat health insurance, it is possible for you to lower your premium. You can often choose to have specific regions or countries excluded from the areas of coverage with international reach. As international health plans take into consideration your coverage area while calculating the premium amount, the cost of your premium may reduce drastically.
The United States of America is noted for having some of the highest costs of healthcare in the whole world which makes your premiums higher also. Nevertheless, you can opt for having a deductible co-insurance, in addition to excluding specific countries.
An excess or deductible is the sum of money you pay prior to the time the insurers start covering the cost. The money is a pre-defined amount that could be for every year or for every condition. For instance, you will have to pay off $400 for an annual deductible of $400 before your chosen provider can cover any of your expenses.
However, you will not need to pay again for the rest of the year once you pay that $400. Nevertheless, you will need to pay a fixed amount per condition for which you seek treatment if it is per-condition. On the other hand, co-insurance situation is where a certain percentage of every claim is paid by you while the insurance company will cover the remaining percentage.
Consequently, if you develop a chronic illness or disease while on the plan, you will not be kicked off the plan as you have become too costly to insure because expat health insurance covers are renewable for life. Also, expat health insurance policy will not increase its premium because you have made some large claims, if you develop a serious illness as the majority of the proclaimed insurers have built this clause into their plan.
Furthermore, you can opt for précised additional benefits like outpatient treatments, inpatient treatments, medical evacuation, maternity care and many others with expat health insurance policy. Your insurance plan becomes more comprehensive as you include more options to your cover. Nevertheless, the higher your premiums will get as well even though there are ways to mitigate such premiums.


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