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Expatriate medical insurance is vital, whether gained privately or by the employer. Anyone can get ill or be involved in an accident. You need to be covered especially when moving to a country that has poor healthcare, political unrest or high levels of crime. We list the places that are currently high risk where extra care is needed for obvious reasons!
Afghanistan – The conflict has been ongoing for over ten years and there is still unrest. The atmosphere is incredibly volatile. The bulk of expats are contractors and therefore, are in constant danger of being targeted or being kidnapped. Journalists and reporters are also at risk from the violence and from disease.
Malawi – Very high rates of typhoid, malaria and diarrhoea have been recorded in the area as well as frequent cases of HIV and AIDS. Getting international travel health insurance is paramount. Getting the relevant jabs before travelling is also extremely important.
American Samoa, USA and Kiritbat – A large portion of the population suffer from obesity. A change in diet and lifestyle, radically different to the one you had back home, can result in weight gain and an unhealthy diet. Maintaining a healthy lifestyle and eating clean and sanitised food is important for the expatriate. International healthcare can cover regular check-ups to ensure that you are at your fittest.
Iraq – The war may have ended but fighting and violence continues to be a daily occurrence in a nation split apart by conflict. The large oil reserves attract many expats eager to seek work especially with the growing attention of big companies. Hostage taking and injury are very real and pose a constant threat.
Qatar – The gulf region has come under a lot of scrutiny due several incidents with expats working in construction. There were 241 deaths in 2013 and several factors such as strenuous labour, poor working conditions and arguably, a certain amount of indifference on part of the government are being used to explain the growing number of expat injuries. Expat medical insurance is critical when working in construction where the rules and regulations are somewhat lax.
Developing continents like Africa and Asia – If you are moving abroad to areas such as the ones named above, it is important for expats to gain international private medical insurance because there is a striking difference between developed and undeveloped countries regarding healthcare and medical attention. Hundreds of infectious diseases plague these places with little or no medicinal cures or treatments. Taking the required jabs and medicines before moving is also mandatory.
Carry out thorough research on the country you intend to move to beforehand and take every medical precaution. Make sure you are covered by expatriate medical insurance.
For more advice please feel free to contact us.
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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.