• Expatriate Health Insurance Blog

  • Thursday, February 22, 2018

Are you one of those who have been nursing the ambition of becoming an expatriate or expat? There are some things you ought to understand about who an expat is and how to become an expatriate. This article will shed light on who an expatriate is as well as how you can become an expat if you so desire.

If you have chosen to travel abroad or you have decided to live and work in a non-Western country like Asia, South America or African, you are an expat or expatriate. The fact that expatriates do not plan on residing permanently in their new country of residence make them different from their immigrant counterparts, and even if they do, for practical purposes, they plan on retaining their native citizenship. By disparity, immigrants frequently plan on living in a new country and getting permanent citizenship there.

Expats in their new host countries often form their own communities. In South-East Asia and Africa that are popular with expatriates, there are often services like cafes and hotels that provide specially for the requirements of the local expatriate group of people. Assisting the expatriate navigates the occasionally confusing world of long-term visa and work permits; national and local governments may also be able to proffer resources and necessary information to prospective expatriates. As the governments of many developing nations view expatriates as stable financial base, they are always happy to encourage these expats with steady source of income or decent liquid assets.

However, as expatriates are not a part of the armed forces, do not pay into the tax base often and may not fully integrate themselves into the local culture, some groups in popular expatriate destinations consider their community to be a negative force in their country. However, a lot of expatriates offer back immeasurably to the countries hosting them by using their understanding of citizens from their native countries to assist in expanding the tourist industry, using their relative wealth to support local businesses and infrastructure and to mitigate many of the negative effects that tourism might have.

There is a decent sized expatriate community in almost every country of the world. For this reason, a lot of people who want to travel abroad to work as an expat will want to associate themselves with that community. Many of these communities have local meeting places or websites where they share contacts and tips.

There are a lot of myths and misconceptions about expatriates particularly when it comes to expat lifestyle. This article will identify few misconception or myths about expatriates.

There is the misconception that the expatriates are rich and buoyant financially. As a matter of fact, expatriates are no other persons than teachers, programmers, waiters, wives, husbands, bankers, taxi drivers and construction workers among others. The expats are not as rich as you may think but also struggling all the time to make ends meet.

Furthermore, there is the misconception that expats hate traveling to the United States of America. This is not true because many prospective expatriates are looking for opportunity to travel to America to work as an expatriate. They acknowledge the fact that things are far better in America than what you read in the US media concerning the situation there.

There is also the misconception that you must have a college degree to travel abroad and work as expatriate. This is not true because many expats have traveled abroad with only their high school education certificate or a GED. If you possess the TEFL certificate, you can teach English as an expatriate.

Another misinformation is that you must understand the local language and culture of that country before you can serve as an expatriate in that country. Although it is good to understand the local language and culture of the place, it is a matter of choice. As mentioned earlier, where English is not the first language, it is imperative for you as an expat to learn the local language to be able to integrate.

Further misconception about expatriates traveling abroad is that traveling abroad is dangerous. People spread bad news and reports of various kinds such as plane crash. They will never emphasize on planes that land safely. This is not true as there is nothing dangerous about traveling abroad to work as an expatriate.

It is a wonderful idea to be an expat and it is based on this note that I am encouraging those who have the opportunity to consider being expatriates. You will have the opportunity of learning a new language different from your own and fit into a new culture to learn the customs of that new culture. Forget about all this wrong notions about expatriates now and make use of the next opportunity that might come your way.

Cross-cultural orientation is now an integral part of an expatriate relocation procedure. Businesses have started realizing the fact that they need to equip their employees with the necessary cultural knowledge to make certain that a smooth transition procedure and maximizing their effectiveness by the time they are in their new country that is hosting them is achieved. Therefore, work is not impacted negatively and companies avoid costly mistakes with cross-cultural training.
Due to work, many employees are now being transferred abroad or foreign locations as expatriates. As a result of globalization of business which implies that companies are looking forward to establish in other countries, it is quite important to have their workers in place to work in those countries where they have interest. 
Employees are now more than ever being transferred to foreign locations due to work. The globalization of business means companies have interest in other countries and it is necessary to have their people on ground. The reason why understanding the attitudes, values and behaviors of the people in the foreign countries is the key to knowing how to carry on business with these foreign countries is well spelt out. Unfortunately, most businesses take the fact that everyone’s culture is such an international culture of business for granted. This is phony. The truth is that each country and culture has diverse methods of doing business.
Reasons for Giving Expatriates Cross-cultural Training
Due to the realization of the importance of cultural differences, globalization has increased the importance of cross-cultural training. We are not all becoming the same, contrary to some popular belief. As a matter of fact, we are now understanding our disparities more deeply that ever before.
Supporting expatriates with cross-culture training in a business will go a long way in minimizing frustration, stress, poor retention rates, failed assignments and low morale, which can occur when employees are engaged in overseas jobs without adequate training.
Cross-cultural training for expatriates will prepare staff well for the assignment ahead of them as poorly prepared staff has negative impact on the overall result of any business. For example, a failed 3 year assignment overseas can cost a company millions of dollars which may not even account for the poorly managed work, loss of business and impact on reputation.
If Cross-cultural expatriate training is administered by experts who have culture-specific know-how, trained for the purpose of counseling individual expatriate, it will ensure that global skills training like client relationships, man-management among others are developed.
Finally, cross-cultural training is required in businesses because their competition is offering it to their employees.


Driving abroad can provide some exclusive cultural experiences that cannot be compared with any other thing on earth for an expatriate. Although, every region is quite different both geographically and in culture, the whole continent of the world can fit comfortably inside the USA. For you as an expatriate to enjoy the full benefit of driving abroad, you must rent a car or buy your own if you can afford it.
In renting a car, small car that runs on diesel fuel is your best alternative. This is because streets and motorways are very narrow, compared to other countries. Secondly, driving abroad with gas can be very costly.
Getting adequate insurance cover is another tip to driving abroad. With the insurance, you will be covered against any accident that may occur suddenly as no individual can predict what the next moment will bring. Even when an unexpected event happens while you are driving abroad with your insurance cover, you are guaranteed compensation from your insurance provider, depending on the type of insurance you buy for your car. There are basically third party and comprehensive types of insurance.
Furthermore, when driving abroad, endeavor to be off the motorway. The back and side roads are some of the best ways that are suitable to pass the time and take you through some interesting little villages and towns that you may never find, while motorway will take you to your destination faster. Interestingly, many of these back roads might even feature some of the most stunning vistas that you have never seen in your life. If you have a good GPS system or map, there is no reason why you should not go for a little adventure every time, although getting off motorway may seem daunting. Do you know what you may likely find there?
On the other hand, you must be on your toes while driving abroad. People will yell at you, flash headlights at you, honk at you which may make you run off the road if you are not always on your toes when driving abroad. When it comes to driving abroad, particularly in Europe, drivers are not the most patient and they will let you understand this fact. Therefore, if you are not driving fast enough for their tastes, they will regularly tailgate your car.
Finally as an expatriate, make sure that you have fun in driving abroad by taking long way around and go exploring all the areas of attractions and tourist centers. This will make you feel that you are overseas on vacation.

Health insurance is one of the major concerns of the expatriates in their new overseas place of residence. As an expatriate, you are probably thinking of whether you should obtain health insurance as an alternative to health care when you get overseas. And if you need any health insurance at all, what kind of health insurance do you need? You will get several health care options for you as an expatriate in this article.

In order to determine what will be your health care alternatives in a given country, a lot of questions must be answered. Since health care options are dependent not only on the availability of coverage within a country but also on the extent of coverage that you need to feel effectively covered, there is no comprehensive answer.

  Do You Really Require Health Insurance at all in the first instance?

This will depend on the cost of health care services in your country of residence and your propensity to take risks. For instance, a young man or woman may decide to choose to take the risk of not taking out any health care insurance while older people express more concern over health insurance, thereby insisting on some types of coverage. The general cost of health care services is another factor determining whether you need health insurance or not. If your home of residence is India or any other country with low health care costs, you might determine that you feel adequately secured without coverage.

Can I get adequate health insurance at a reasonable cost locally or will I have to go with an international insurance group if I determine that I require health care coverage?

This is the second question that needs to be answered to actually determine if you really need health insurance or not. For a fraction of what a similar policy in the United States would cost, you can obtain adequate coverage in many other countries. In this situation also, the determining factor of the source of coverage is age. There are requirements as to age limits for each country and many will not issue coverage after certain ages. Coverage is being stopped in the mid sixties in most of these countries but this varies from country to country.

On the other hand, international insurance groups more often than not insure new clients who are up to the age 74 while it is possible for you to get specialized coverage further than that age all the way through Lloyds of London. However, United States citizens will discover that the monthly cost is comparable to what they ought to pay at home for many of these international policies. As you reach cut-off ages, remember that age becomes more imperative than existing conditions.

Finally, in your living abroad research, seek information early on health care options, particularly if you are in the older category. You will not want to miss obtaining the benefits of satisfactory coverage just for the fact that you missed the age limit.

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