• Expatriate Health Insurance Blog

  • Monday, February 19, 2018

If you are new to the experience of living abroad, there are many things you must adjust to and many challenges you will face. One such challenge relates to your health. When this becomes a problem, it is important to have the protection of an expatriate health insurance policy on your side.

When you move to a new country, your body must adjust to the tolls of a new climate. For instance, air quality might be different, as may water quality. Those factors alone can lead to illness. There is a certain amount of mental stress that comes along with living as an expatriate, as you try to assimilate into a new culture, learn another language, and find your way about town. Whether you realize it or not, mental stress can weaken your immune system and leave you much more susceptible to illness.

In your life in a new country, you will need a different insurance plan than the one you used in your native country. It will not be accepted, and without an alternative you will be considered uninsured. What are the implications of that? Simply put, you will need to pay for all medical costs out of your own pocket.

But with an expatriate health insurance policy, that is no longer a concern. You will be able to get the medical treatment you need at an affordable rate., So if you succumb to a simple passing seasonal virus or something more drastic, you can head to the doctor or hospital of your choice and get first class care.
For many expatriates, international travel is a commonplace activity. Perhaps they do a lot of business overseas, and their career takes them abroad frequently. Or perhaps they have been fortunate enough to be able to enjoy international vacations. Either way, the more you travel, the less cognizant you might be of the various dangers that exist. But it is important that you do not lose sight of these threats, and that you protect yourself with expatriate travel insurance.

As an expatriate, international life is simply a part of your daily routine. So it can be easy to forget about the dangerous aspects of international travel. For example, the threat of injury persists in all forms of travel. Accidents can happen at any point, whether in cars, airplanes, or other modes of transportation. Or you could hurt yourself participating in sports, exercising, or slipping on wet ground.

Illness is another prominent threat to your travel plans. Long international flights can wear down your body's immune system. That factor, coupled with exposure to new environmental factors which could have negative impacts on your health, causes the probability of illness to rise dramatically. Additionally, you must watch out for bacteria in food and water.

Expatriate travel insurance will help you save money when these problems arise. Without an insurance plan, visiting the doctor for these problems could be a costly dilemma. You may be facing anywhere from hundreds to thousands of dollars in medical costs. But with this type of travel plan, your expenses will be covered. So yo ucan get the attention you need while traveling without breaking your budget.
An unpleasant yet necessary conversation that every expatriate needs to have is what he or she will have done in the event of their death. How will bills be paid? How will a funeral be provided? How will your family cope without the benefit of your income? Expatriate life insurance provides and answer to these questions and more, providing relief to your loved ones in an extremely difficult time.

Without your income, your family could find itself in a very difficult place financially. Affording their normal bills including a mortgage, automobile payments, utilities, credit cards, and other expenses can add up in a hurry, and not having access to your income could be crippling. If you pas away, your family will already be shaken and distraught. They will need a lot of time to recover, and if they have financial problems to worry about, that will not help their situation.

Of course ongoing bills are not the only financial issue your family will deal with after your death. There is also the question of what to do with your remains. Most families want a loved one;s body repatriated to their home country. That way friends and family can gain some measure of closure through a formal ceremony. But the cost of doing this is quite expensive, and the government of the country you died in will not offer assistance.

These costs and much more can be covered through the benefit of an expatriate life insurance plan. You can purchase these plans for an amount of your choosing, so you can make the payout large enough to help with all bills, some bills, household expenses, funeral costs, college funds and more. This type of solution will be greatly appreciated by your family, as it removes one thing from the long list of items they must worry about when you pass away.

Doing work abroad is a top priority for many churches. It reinforces their values of working to serve those in need, and it also allows them to spread the messages of their religion to new audiences. If you are a member of a church missionary group planning to spend a long time abroad, you should explore the benefits of expatriate group insurance.

Some churches opt to send their members abroad for a short period of time, such as a week or two. They may be helping clean up an area after a disaster. But others have members who plan to spend longer periods of time abroad. For instance, they may plan on building a school and helping to teach at it.

For those volunteers, expatriate group insurance makes perfect sense. It allows all members of the group access to affordable health care. So if a accident or other injury occurs, or illness befalls members of the group, there is an affordable way to deliver treatment to all.

A group insurance plan works the same way in this instance as it does at your place o employment. Because a group of people get together and offer an insurance provider a larger customer base, the provider is willing to lower the per-person price they charge for the policies. So church group members can get a lower individual rate than they would on their own, while still getting a great insurance plan.

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