Most people will probably be surprised to know that there is
actually a relevant distinction between travel health insurance and expat
health insurance. Before going abroad you will need to carry out some research
into which one you need before applying.
Expatriate healthcare is specifically designed for people
wishing to work and live abroad for ideally, more than twelve months. Expat
insurance is international insurance and aims to provide coverage around the
world for emergencies and non-emergencies. Expat insurance will cover you fully
for the period of time that you are abroad, something that normal travel
insurance won’t do. On the other end of the spectrum, medical attention with a
foreign healthcare system may be expensive. Someone travelling for a year or
less will typically be covered by travel insurance but only for emergency
With the likelihood of the expat and their family being
considered as foreign nationals in the visiting country, free medical
healthcare is likely to be rejected. Moreover, the standards of hospitals and
clinics vary greatly from country to country and state to state. Whilst you may
find some that offer high quality care, you are also likely to find some that
are considered to be ‘below average’ and so expatriate medical insurance is
crucial for those wanting to move abroad.
Expat healthcare insurance should cover any hospital stays,
consultation fees and treatment depending on the extent of the cover. In most
cases you should be able to work out a policy with the insurer to accommodate
any specific needs that you and your family might have. This can be dependent
on the destination.
Additional care such as maternity, vision, dental, mental
health and general well-being can be added on. These will have to be added on
bearing in mind the higher premiums that come with them. Global expat insurance
will cover you if you are in another country with the intention to stay for a
short period of time and expatriates from all over the world can profit from
this type of extensive healthcare cover.
Whether travelling to destinations for enjoyment for less
than a year, or travelling to destinations with the goal to move for over a
year, international travel and health insurance is vital. That is why it is
crucial to thoroughly research what type of international healthcare you are
most suited to as well as their policies.