• Expatriate Health Insurance Blog

  • Monday, February 19, 2018

Expats on assignment rarely receive the same types of benefits a local employee has. As they are usually not required to contribute to government-mandated benefits, there is nothing much to give back to them when they transfer or leave the company. With this, the expatriate health insurance compensates for whatever benefits local employees are entitled to. This includes, but is not limited to the following – expatriate travel insurance, expatriate group insurance, and expatriate life insurance.

More often than not, the monthly premium for medical or life insurance is generally lower for expats than locals. For expats assigned in the US, the rates are lower for them as the US has the most expensive medical care in the world. When applying for the insurance, there is an option given as to what area the plan covers: worldwide or worldwide excluding the US.

On the other hand, most companies who send employees on expat assignment already design their benefits in such a way that there is minimal interruption when moving in and out of the country. Most companies take pride on how they take care of their expats as a means to attract more talent. Ensuring that healthcare is still accessible yet cheap, regardless of where one is currently working, is a selling point of any company.

Accessibility to quality, yet low-cost health care is the focus of expatriate insurance. Ensure to that you have the best expat health insurance plan available to give you the best possible options for expats as you work away from home.

Frequent travelers abroad understand the value of medical and health insurance. They understand how difficult and expensive it can be to get sick and be hospitalized in a foreign nation. many also know the great value of getting expatriate health insurance. They feel safer to be able to receive medical attention and care at all times even if they are not in their own country.

Most of these frequent travelers are best to get expatriate health insurance, especially if they are bound to travel from one country to another most of the time. This is possible especially for employees of international companies who have a chain of businesses in different regions. If the job entails management of a certain region or directorship of several sites in different countries then it is best to get health insurance coverage that covers you wherever you go. You do not have to worry about your medical and health coverage anytime or anywhere. This can be considered a wise move especially if the employee already has certain illnesses and medical conditions that requires medical care and attention.

The other benefit of getting expatriate health insurance is it can cost less when compared to local health insurance. You just have to make sure that the insurance company has a wide international network. It would be useless to get expatriate health insurance that has no providers in most of the countries you go to. It is also important to check beforehand where the hospitals and physicians are in the country you are going to just to make sure you know who to call or where to go if you require medical care and attention.


People living and staying away from their homeland always face many difficult challenges in their countries of residence. This calls for an appropriate health policy that would help the expatriates in managing medical risks. To find the best expatriate health insurance policy in the foreign country, it is advisable to take time to study how the systems work in the given country, as chances are high that procedures won’t be the same as in the home country. After understanding the system in the new country, you are expected to choose the right policy that would help you manage medical risk.

One of the people that are most likely to help you choose the right policy and may influence your choice of the policy provider is the doctor. Choose a doctor who can help you make good health decisions and help you live healthily in the foreign country. Make sure you are close to at least one doctor who can then advise you on the policy that best covers your health concerns.

Another factor that can influence your choice of the insurance policy is your view and decision on having a baby abroad. In case you are planning to have a baby in the foreign country, choose a policy that will cover all of your family members. If you don’t plan to have a baby, covering the same won’t be necessary.

The way health insurance is important in the native country is the same way expatriate health insurance is important for expatriates in the foreign country. Care must be taken so as to choose the best policy.

Expatriate health insurance is an insurance policy geared towards people who spend more than just their holidays outside the borders of their country. There are many factors that can influence this type of insurance and here are some of the essential ones:
• Personal Needs and Expectations. People become expatriates for various reasons. Depending on those reasons, the health insurance for expatriate people will be different. There are expat insurance policies for international students, freelancers, soldiers, or for people who are working sent by their employers.
• The Health Insurance System in the New Country. More developed countries allow expats to pay monthly contributions to the healthcare system and thus get coverage for certain health services similar to what a citizen of that country would. But that is not the case in less developed countries.
• Current State of Health. Naturally, the premium for your expat health insurance will be lower if you are healthy and fit. But, if you suffer from pre-existing conditions, your health insurance premium will be higher.
• Insurance Level. Insurance providers do not offer a universal coverage plan for all expatriates. They have different insurance levels and each level means a particular coverage level and also a certain premium amount. Depending on health condition, money situation, and health system, you can choose the most suitable level for your health insurance.
• Material Situation. Again, this is an important element. Expatriate health insurance has a certain level of deductibles. The higher the amount of deductible, the lower the premium will be. If your earnings and overall money situation allows you, you can choose an insurance with higher deductibles.


Ten years ago, it would have been inconceivable that expatriate health insurance companies would cover pre-existing conditions. Nowadays, people can benefit from insurance coverage in this respect. It is also true that not all insurance providers would take the risk of protecting a policyholder against conditions that he or she is known to suffer from.

Not only did insurance companies not cover preexisting medical conditions, but they did not cover any other medical condition that may have been related to or triggered by it. Therefore, high blood pressure would cause additional exclusions for angina, heart attacks, strokes, or thrombosis, for example. This vicious circle continued even if the condition was kept under control with medication.

When you travel in a foreign country and you make your home there and your workplace, you become an expatriate. But being an expatriate does not make you immune to illness. In fact, on the contrary, the new living circumstances may aggravate your existing conditions or may trigger new attacks. In this case, expatriates need to pay even more attention to how they choose their health insurance and to the inclusions and exclusions of the policy.

Although pre-existing medical conditions will probably determine a higher premium on your expatriate health insurance, it is recommended that people get covered given the physical and emotional stress that they are exposed to when living in a new environment. As an expatriate, you have to keep in mind that your health insurance premiums are not necessarily high due to your pre-existing medical conditions. Other factors influence insurance premiums, including healthcare costs in the new country you are moving to.

Expatriate health insurance for groups is a more complex type of international health insurance. Such insurance will have to attend the needs of the group without neglecting the separate needs of the individuals. But what are the aspects you should look for in expatriate medical insurance?
• For groups, the most important aspect of international health insurance is the portability of coverage for employees who need to move or travel from one place to another.
• Medical assistance is one of the essentials of international health insurance and that is why a good insurer should grant access to a complete selection of health providers. Additionally, the insured should have the chance to choose their own health providers.
• The coverage should be handled by a global insurance company that has enough resources and extensive claims and administration management. A third party administrator is not recommended.
• A good insurance policy should have several levels of deductibles and competitive premiums.
• The coverage for the group should be extended also in the countries of origin of each individual member.
• Pre-existing conditions should be covered by group expatriate health insurance without exception.
• The policy should be customizable for high risk areas such as terrorism or war zones. Potentially hostile environments should also be included in the coverage.
• If not covered, maternity is a significant risk. That is why the female members of the group should have maternity coverage included in the policy.
• A call center available 24/7 for claims and support should also be included in a good policy. This allows for better communication, administration and availability.

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