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Most people will probably be surprised to know that there is actually a relevant distinction between travel medical 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 claims. There are a variety of travel insurance packages available, including single trip travel insurance.
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.
Expatriate Group.Delmon House,36-38 Church Road,Burgess Hill,West Sussex,RH15 9AE
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Tel: +44 (0)20 3551 6634Fax: +44 (0)870 428 5141Email: firstname.lastname@example.org
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Expatriate Group & Expatriate Healthcare are trading styles of Strategic Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm reference Number is 307133. Strategic Insurance Services Limited is authorised to carry on Regulated Activities in accordance with the permissions granted by the FCA under PART IV of the Financial Services and Markets ACT 2000.