Country Guides


Expats need more than ordinary travel insurance, say experts

by Ray Clancy on July 28, 2014

New expats are being reminded that ordinary travel or holiday insurance will not cover their medical needs during their new life abroad.

‘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,’ said a spokesman for specialist providers Expatriate Healthcare.

Health Insurance in France

Expat insurance is specifically designed for people who wish to live and work abroad for 12 months or more

The firm points out that expat insurance is specifically designed for people wishing to work and live abroad for (ideally) more than 12 months, as it 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,’ the spokesman explained.

With the likelihood of the expat and their family being considered foreign nationals in the visiting country, free medical healthcare can sometimes not be available. 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, This is why expat medical insurance is crucial for those wanting to move abroad,’ he added.

In general, 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,’ the spokesman pointed out.

‘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 expats from all over the world can profit from this type of extensive healthcare cover,’ he said.

‘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 the policies,’ he added.

 

{ 0 comments }

Thumbnail image for Home internet access surprisingly rare in many countries

Home internet access surprisingly rare in many countries

January 18, 2013 Country Guides

Would be expats, especially those who will rely on good internet access to carry out their work and business, might want to check if the country they are moving to has good access. Expats also rely heavily on the internet to stay in touch with family and friends but a new survey shows that access [...]

Read the full article →
Thumbnail image for Cyprus Country Guide

Cyprus Country Guide

August 5, 2009 Country Guides

Up until 1974 both Northern and Southern Cyprus were under the same rule, although years of infighting and conflict came to a bloody conclusion.  This prompted both the UN and British Authorities to intervene and erect an official “green line” separating the North and South of the island.  This created a Turkish Controlled Cypriot state [...]

Read the full article →
Thumbnail image for Dubai Country Guide

Dubai Country Guide

August 5, 2009 Country Guides

Many people fail to distinguish Dubai from Dubai City, when in fact Dubai is one of the seven Emirates of the United Arab Emirates with Dubai City the main city of the state. Dubai is the second largest of the seven Emirates although it has the largest population, and perhaps the most well known throughout [...]

Read the full article →
Thumbnail image for France Country Guide

France Country Guide

August 5, 2009 Country Guides

While it is a little known fact, the word France originates from the Franks, a Germanic Tribe who occupied much of Northern Europe after the fall of the Roman Empire.  France has since gone on to become one of the powerhouses of Europe, being a permanent member of the United Nations Security Council, a founding [...]

Read the full article →
Thumbnail image for Hong Kong Country Guide

Hong Kong Country Guide

August 5, 2009 Country Guides

Historically under Chinese rule, Hong Kong was taken over by the British in 1841, when military forces invaded the country after the ruling Qing Dynasty’s refusal to allow opium to be imported into Hong Kong.  Slowly but surely the British way of life was introduced to the country, which very quickly became one of the [...]

Read the full article →
Thumbnail image for Italy Country Guide

Italy Country Guide

August 5, 2009 Country Guides

Situated in Southern Europe, Italy is regarded by many as the most romantic country in the world, with Venice a particular hot spot with tourists.  The culture, the beauty and the vast array of food and drink has seen Italy grow in stature over the last 50 years, although the country does have a particularly [...]

Read the full article →
Thumbnail image for Japan Country Guide

Japan Country Guide

August 5, 2009 Country Guides

Situated in the Pacific Ocean, Japan consists of an amazing three thousand separate islands, although not all are inhabited – many being the result of volcanic activity over the years.  The country is surrounded by China, Korea and Russia and is often referred to as the corridor between the East and the West. Japan has [...]

Read the full article →
Thumbnail image for Latvia Country Guide

Latvia Country Guide

August 5, 2009 Country Guides

Situated in the Baltic region of Eastern Europe, Latvia was initially part of the Soviet Union until September 1991 when it was officially recognized as an independent state. Since declaring independence the country has gone from strength to strength and was granted membership of the European Union on 1st May 2004 (the country has also [...]

Read the full article →
Thumbnail image for Portugal Country Guide

Portugal Country Guide

August 5, 2009 Country Guides

Situated on the Southwestern peak of Europe, Portugal is one of the more popular tourist destinations of Europe.  The country has encountered a constant flow of attention over the centuries, offering a strategic entry point to the European continent.  The Romans, Germanics and Moorish have all held the country at some point in time, each [...]

Read the full article →
Thumbnail image for Singapore Country Guide

Singapore Country Guide

August 5, 2009 Country Guides

Singapore consists of 63 separate islands, which have changed ownership on numerous occasions over the years.  Colonized by the British in the 1800s the country was merged with Malaysia in 1963, although due to a clash of cultures this was abandoned in 1965 when Singapore gained its independence. Since gaining independence, the Republic of Singapore [...]

Read the full article →
Thumbnail image for Spain Country Guide

Spain Country Guide

August 5, 2009 Country Guides

While renowned for its tourism, Spain has much more to offer with breath taking landscapes, untouched countryside and traditions that go back centuries.  Located in Southern Europe, the Kingdom of Spain was originally under Islamic control prior to a number of wars that resulted in the independent Spain of today. Like Britain, Spain had been [...]

Read the full article →
Thumbnail image for Australia Country Guide

Australia Country Guide

August 4, 2009 Country Guides

While the Australia of today is a fairly young country it has a great history which goes back thousands of years to the aboriginal tribes.  The population of this massive country are well known for their relaxed attitude to life and their love of sports, with Australian Rules Football and Cricket especially popular.  Originally part [...]

Read the full article →