• Expatriate Health Insurance Blog

  • Friday, July 21, 2017

People who live in foreign countries, as either residents or non-residents, need expatriate health insurance coverage. It is good for people who are there for a specified period. This is good insurance cover for them because it can be an uphill task to get insurance cover for you and for your family when you are working in foreign land.

Expatriate health insurance is suitable for those who work overseas because their employer’s insurance covers in their country of origin may not cover them when they are out of the country. It is possible that in the country they are working in, it is hard for them to get a comprehensive medical cover. The only option they are left with is the expatriate health cover.

This health cover should include all you family members traveling with you overseas where you will be working. Note that in many countries, you will not be allowed to work if you are not covered by this type of health insurance. Many employers do not want to shoulder the responsibility of your health when you are working for them.

This policy covers all your medical expenses in the foreign country and even if you are to be flown back to your home country, the insurance cover provides for transport home. It also covers for meals, accommodation and even phone calls. You should clarify with the insurer whether some medical conditions, like pregnancy complications and giving birth is covered by the policy. Expatriate health insurance also covers the transport costs of your family members if they pay you a visit when you are in the hospital.

Expatriate health insurance is very important for you if you are going to work in another country. While you are living abroad, a medical mishap could befall you and if you are not covered, you would not know where to turn for help. You could need important surgery to save your life or you could have been involved in a serious road accident. Do you have enough funds to cover such medical needs if they arise?

What should you know about expatriate health insurance?
1. If you are going on assignment in third world countries, then you will most likely have to pay more than someone who is going to, say, London. However, the payment is worth it.
2. This kind of health insurance is not limited. It does not matter where you are going to work because the insurance will cover any risk that may happen to you while you are there.
3. This insurance cover will not require you to stay within a given network of doctors. It always takes into account the fact that you will most likely be dealing with foreign doctors and medical providers.
4. If you are a US citizen, please make sure to buy your insurance coverage from the US so that even after your assignment is over, you can still make use of the policy. If you buy your coverage from a foreign insurance provider, it will be null when you get back home.
5. Expatriate insurance for health will include evacuation to the nearest and the best medical facilities. Expatriate health insurance covers more risks than the ordinary health insurance.

 

People have the tendency to ignore the implications of becoming an expatriate. More than often, the exotic lifestyle of the expatriate is associated only with the benefits and less with the potential risk factors. That is the main reason why expatriate health insurance is often neglected and people become exposed to risk factors they had never taken into account.

Perhaps the most unpredictable when people move from one place to another, is the behavior of the mind and body. Both the mind and the body react differently at different external factors and when these factors change rapidly and radically the reaction is not always positive. When people leave their comfort zone, they feel vulnerable, physically and emotionally.
Not understanding the stress that the mind goes through or the health risks for the body would mean to be blind. Expatriates do not only change their place of work, but they change the climate, the humidity, the air, the food, the plants that surround them and the animals they come in contact with. Every aspect that is changed in their lives influences their health and this is an aspect that shouldn’t be ignored.

The immune system’s response to such external factors may not be as strong as people expect. Expatriates often experience a weakness of the immune system, which affects the functioning of their whole body. If the reaction of the body cannot be controlled, getting expatriate health insurance is one of the few aspects that are still in your hands.

Are you completely at ease with your expatriate health insurance option? Or are you still looking for the perfect one to match your needs or requirements? There has been a growing need for security these days when it comes to choosing the right insurance. There have been a considerable number of fraudulent companies that take advantage of the investments of unknowing victims.

It’s best to stay well-informed and be alert of possible scams. Ensure that you have picked a reliable and real expatriate health insurance establishment. Doing your research and being inquisitive are what you can do to protect yourself and your finances. Start by asking friends or colleagues if they have first-hand experience with certain agencies. You can browse the Internet for insurers and contact several companies.

There’s no need to be limited when it comes to exploring your options. Once you’ve narrowed down the best and the most reliable, it’s time to look into their policies, promos, to get a feel of how they treat their customers and the transactions in general. For medical services for emergencies abroad for you or your family members, it’s best to look through the scope of their expatriate health insurance thoroughly to know what to expect from the company.

Be prepared. Do not just jump on the plane and hope for the best with so many dangers that can happen. In case of health blunders, have expatriate health insurance ready – one that is real, dependable, and suitable to your needs.


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

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