• Expatriate Health Insurance Blog

  • Saturday, August 19, 2017

If you are planning on living abroad or working abroad for an extended period of time, you will need to make sure your health insurance needs are taken care of. After all, you will be as likely - or sometimes even more likely - to become ill injured in your new location as in your native country. But making that purchase can be confusing; what do you need, where should you get it from, and how much should you pay for it? In terms of figuring out what you need to buy, here's some help in determining whether you need home country coverage in your expatriate health insurance plans.

There are two primary ways you can buy expatriate health insurance. It can be purchased with home country coverage included, or with limited coverage. Knowing which one to purchase can save you money, either at the time o purchase by not buying more coverage than you need, or at the time of making a claim, by giving you the protection you need when you need it. So which of these two types of coverage is the right option for you?

The biggest deciding factor in reviewing these options is how much time you will be spending in your native country. If you will be living in your new country 365 days a year, then limited coverage should work.It is a good idea to still have limited coverage in place (as opposed to no coverage at all) because you never know when an emergency may arise. If you plan on spending part of your year living abroad, or you are in a scenario in which you return home for a week at a time every few months, then you will want to have a more robust home country coverage option.

Every expatriate's situation is different. Different reasons ranging from work to studies to personal journeys bring them to their new countries. But one thing all have in common is the need for expatriate health insurance plans. Knowing what type of coverage you need is essential to get the best value for your investment.

Overseas Expat Medical Insurance (limited home country cover)
Worldwide Expat Health Insurance (home country included)

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