Expatriates are being urged not to "take a gamble" and scrap their expat health insurance in a bid to save money.
In an article for the Telegraph newspaper, journalist Peter Pallot said it can be tempting to reduce levels of cover for illness or injury in tough economic times.
However, he said doing so could be a false economy, as the cost of medical treatment abroad could run into tens of thousands.
And he pointed out that the likelihood of suffering illness or injury abroad is greater than it would be on home soil.
"There are new bugs for the immune system to battle; road safety may be well below UK standards; the level and nature of crime will be different," he explained.
Mr Pallot also urged those who do take out expat health insurance to read the small print of their policies carefully.
"It is a deeply boring task, of course. But there are so many potential pitfalls, exclusions and opportunities to under-insure, or over-insure, that time spent researching is seldom wasted," he remarked.