Expatriate Health Insurance Blog
Tuesday, November 21, 2017
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.