• Expatriate Health Insurance Blog

  • Monday, February 19, 2018

As the name suggests, expatriate health insurance is the right policy that a person or family should consider when they are living and working abroad. When spending an extended time in a different country, you will experience a different culture with different habits than yours, and you need to think about the safety of your family or of yourself. It is a fact that living and working abroad improves wellbeing due to the fact that every location is possibly linked to pleasant feelings, but you must consider covering the risks of falling ill or having an accident.

An Introduction to Expatriate Health Cover
A good expatriate health insurance policy should cover medical expenses for inpatient and outpatient medical assistance, preventive care that includes vaccination and annual medical check-ups, regular and preventive check-ups for your dental health, annual check-ups for your eyes, maternity care and emergency assistance in case that you or a member or your family fall ill or suffer an accident while abroad.

Three Basic Types of Expatriate Medical Insurance
Those are some of the requirements that should be covered, but keep in mind that expatriate health insurance policies come in three “flavors”: basic, extended and premium, each with its own risks covered, so you must be informed which ones are covered by your policy. Also, remember that the country you are living or working in is considered by your insurer an area of risk simply because it is outside the boundaries of your home country.

Health Is Always Your First Priority
Choosing the best expatriate health insurance for you and your family is not something that should be ignored or not granted the proper attention. Your health and that of your family always have to come first on your priority list. No matter where you are in this world, you must be sure that your policy will be able to help you in case of unexpected and unfortunate events.

Expatriate health insurance plans for groups apply to companies that have several employees working and living abroad. These companies are exposed to huge financial consequences if their employees are not protected against the risks they are facing in a new country. Therefore, as a business, it is impossible to overlook the importance of insurance plans for expatriates in order to avoid considerable financial losses.

Choosing the Right Insurer and the Currency
Although it may sound simple, it is not easy to establish the most adequate insurance provider in this field. The temptation to use domestic plans is great, but when it comes to expatriate group insurance, a domestic insurance provider cannot effectively help you. As a result, any organization that wishes to protect its employees in another country needs to choose an insurer specialized in expatriate insurance products and are licensed to function in the respective country. Also, the currency used for payments is very important as it is always best to have payments made in a stable currency.

What to Look for in Expatriate Insurance Policies
The type of insurance plan a company chooses is very important, but it depends on many factors. In case of groups, these factors need to be analyzed carefully so that all expatriates are covered according to their individual needs. Accidental death and dismemberment, long- and short-term disability, emergency evacuation, repatriation of remains, and maternity costs are all aspects that should be attended to. There are a variety of expatriate health insurance plans for groups that can serve an assortment of requirements and expectations, but attention to details is still very important.

Assuming that unfortunate things won’t happen to you is not the way to protect yourself and your family from risks. As an expatriate, the risks you are facing are higher than usual and you should never consider that the importance of expatriate health insurance is overrated. Nonetheless, you ought to pay attention to a number of aspects when you are considering overseas health insurance coverage and here are some examples:

• Geographical coverage is very important since some insurers do not cover a number of high-risk travel regions.
• Benefits that are directly related to hospitalization and benefits that are considered non-related to hospitalization
• Dental treatment and maternity benefits
• The extent of coverage for chronic conditions
• The extent of emergency evacuation coverage
• Insurance coverage for pre-existing conditions
• The list of exclusions of your expatriate health insurance
• Repatriation of remains in case you wish it to be included
• Overall medical benefits compared to similar insurance providers
• Coverage for war or terrorism related risks

Living abroad can be a very exciting time. There are many changes that take place in your life, but one thing that does not change is the need for protection in the form of expatriate health insurance.

You may be under the impression that the host country will take care of your medical needs, but that may not be the case. You should have a plan that you can depend on for you and your family.

Expatriate insurance does more than cover just medical expenses. It also covers medical evacuations, trip interruption, trip cancellation and cover. If you or someone travelling with you becomes ill and cannot travel, your insurance will cover the additional expenses.

When you are living abroad and travelling for any period, having expatriate travel insurance that offers coverage for medical services is the best way to protect yourself and your family. You should have an insurance that can travel with you.



Expats are exposed to more health risks than people living in their own country. That happens due to the increased stress of living and working abroad in different climates and overall living conditions, and travelling more often. As a result, expatriate health insurance is something that expats simply cannot neglect. Here are the features of the best insurance policies:

• Coverage for hospital accommodation, diagnostic tests, surgery, surgical fees, physician fees, therapist fees, prescription drugs, surgical appliances, prosthesis, and more.
• Coverage for a parent accommodation if an insured child must be admitted to the hospital
• Coverage for day care treatment and outpatient treatment
• Coverage for rehabilitation treatment and nursing at home if necessary
• Coverage for medical evacuation, including accommodation in case ongoing treatment is required.
• Coverage for local ambulance
• Coverage for travel expenses of a family member of an insured person in case of medical emergency or death

There are numerous other aspects you should consider when acquiring expatriate health insurance depending on your personal situation and on your specific needs.


People travel or live abroad motivated by their own personal circumstances. Travelling, as well as living abroad involves higher medical costs in case you are not covered by expatriate health insurance. Depending on the length of time you intend to spend abroad there are two types of health insurance for expatriates. Short term expat health insurance covers periods between 5 days and 3 years. They do not cover travelling back and forth for a few days or weeks. It also expires when you are back in your home country. They include medical assistance, medical emergencies, and medical evacuation to the nearest center.

Long term expatriate health insurance on the other hand is more complex and requires a minimum of 1 year for coverage. It is beneficial for those who travel frequently and is also valid in the country of origin. It offers the same benefits as a short-term insurance policy but evacuation to home country, repatriation of remains, maternity benefits, and pre-existing conditions can be added as supplementary benefits. 


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