Comprehensive insurance coverage for luxury travelers & high net worth expats

Luxury travelers and high income expats are taking advantage of what the world of high end travel and living can offer.  This rising group have higher income and spending power and advanced service expectations. They are expecting a luxury hospitality experience, expensive travel package, special privileges, glamorous activities. In essence, luxury travelers and high income expatriates living overseas are willing to spend the most. However, when talking about travel medical and long term expat heath plans, does your insurance policy fit your luxury trip and lifestyle? In this article, we will discuss comprehensive travel medical plans for luxury travelers & expats around the globe.

Travel Medical for Short Term Travels

If you are traveling abroad for a short term trip up to one year, it is critical to obtain medical and evacuation coverage for your entire trip that will cover emergency illnesses or injuries abroad. You should also maintain your domestic plan as emergency travel insurance plans do not cover you back in your home country. It is important to read through your travel insurance policy and make sure that your medical conditions and emergencies are covered. For instance, some travel plans may not cover medical emergencies. Our firm offers several travel medical plans from various insurers and providers. With IMG Patriot travel insurance coverage, you are covered with trip cancellation, lost baggage, emergency evacuation & repatriation, covering from as short as 15 days to 24 months.


We also offer the more deluxe travel medical plan from BUPA travel insurance via our travel insurance web site. You can be covered for single trips up to one year purchase an annual multi-trip plan for unlimited numbers trips up to one month per trip.

For adventurous international travelers, Patriot Adventure is designed for them. This is a short term medical insurance coverage available for both individual and family sports enthusiasts: from 30 days up to six months.

International Health Insurance for High Income Expats

High income expats often expect a level of coverage and policy service that is a step above what more basic expat health plans will offer. While not wanting to overpay for coverage, these high net worth expats are often sent abroad by large multinationals, choosing to retire abroad or travel for an extended period of time. They expect a higher level of coverage than the average expatriate.

Some may choose to rely upon the local health plans, but these policies usually do not allow you to access medical treatment at more satisfactory private hospitals and clinics. Also, local plans in many countries may only provide very basic medical coverage that nay not achieve luxury traveler’s requirements. Even worse, local plans won’t cover you outside the country or allow you to seek treatment abroad. An international health insurance plan will let you select the hospital and doctor world-wide. Most of the plans will let you enjoy direct payment, no need to advance cash payment first.

The cost of international health insurance will vary by plan & insurer. Expat Financial offers several different international health insurance plans for expatriates of any nationality across the world. Our most comprehensive policy is the Cigna Global Health Options plan.


We also offer excellent service before and after you purchase your international health insurance plan. If you have questions about our international medical insurance plans or you want to discuss your needs and produce a customized quote, please contact us or complete the quote form. As noted above, having excellent global medical coverage will not only give you peace of mind, but will help you maintain your health.

Great tips for expats and people traveling to Myanmar

Bordered by India, China and Thailand, Myanmar is a fascinating county located in South East Asia. It is a country rich in natural resources such as jade, gold and oil, but also in cultural terms with beautiful temples, friendly people & excellent food. The capital city is Naypyidaw. Due to the religion influence of Buddhism, Myanmar has many temples through out the country. Myanmar was previously known as Burma and was considered a rogue country during the oppressive rule of a military junta from 1962 to 2011. Luckily the country has transitioned to a democracy with the help of Aung San Suu Kyi. Note that civil strife and riots can often occur in the capital, so take adequate precautions and stay up to date on the situation there.

The climate is overall very pleasant. Myanmar is becoming a popular travel destination today. Under the development of the government, Myanmar is attracting more arrivals in the next few years. Due to the conservative culture there, you should know its customs and expected behaviours before departure. In this article, we will provide some tips for living and traveling in Myanmar.

Things You Should Do

  • When visiting religious sites such as temples, make sure that you are wearing conservative clothes.
  • Myanmar people are friendly. Try to smile often.
  • Learn some Burmese language before leaving. At least some basic words.
  • Try traditional Myanmar transportation tools: city buses, horse cart, vintage taxis, three wheelers carts, etc.
  • Use both hands when delivering and receiving something to religious people or an elderly person.
  • Shaking hands only applies to men, but this may be different depending on the persons you are meeting
  • Bow body in front of elderly people.
  • Follow instructions. If there’s a sign advised not to go, please stay away from it.

Things You Should Avoid 

  • Don’t show too intimate behaviour in front of the public.
  • Don’t wear shoes and socks inside a pagoda or temple.
  • If there is a civil disturbance or demonstration, leave the area immediately as the situation can turn violent very quickly.
  • Avoid wearing sleeveless tops or short skirt when visiting religious sights.
  • Indoor mats and carpets might meant to be sat upon. Avoid walking on them with shoes.
  • Don’t pose and take picture in front of Buddha statues because they viewed as sacred.
  • If you are a man, you should not offer to shake hands with a Myanmar lady.
  • Don’t point anybody with your foot. Especially in temples.
  • Don’t go to places where you are advised not to go.
  • Don’t take pictures of people unless you asked for their permission.

Obtaining the Right Coverage of International Health Insurance While Residing in Myanmar 

Make sure that you obtain travel medical insurance if your are visiting Myanmar for business or pleasure. If you are living in Myanmar, a tailored international health insurance plan should provide flexible and world-wide service. The medical facilities in the country are often quite basic and may not be able to handle more serious illnesses or injuries, so medical evacuation cover is recommended. It will not only let you select the hospital, medical providers and doctors, but also provide you with direct payment so that you do not need to worry about any out-of-pocket medical expenses.

The cost of international health insurance will vary depending on the insurer, policy and options you choose. The bigger the deductible, the lower the premium. Expat Financial offers several different international health insurance plans for expatriates across most parts of the globe, including expats and even some local nationals in Myanmar. We can even offer international group insurance plans for employers with expat employees in Myanmar. If you have questions about our international medical insurance plans or you wish to discuss your needs and produce a customized quote, please contact us or complete the expat insurance quote form.

Business travel insurance policies – Cover your employees traveling abroad

Business travel is a crucial part of the job. You will always carry tasks at hand and learn something new. But you want to avoid getting sick – there are ways to stay healthy and safe on the road. With an appropriate business travel insurance plan, your employee can be covered traveling around most if not the entire world. In this article, we will introduce business travel insurance policies to provide your company and the employees with peace of mind.

Why Business Travel Insurance is Important? 

Companies constantly need to expand their markets and reaching and maintaining international customers means that your company will have to send employees overseas for short and extended business trips. It is your company and management’s fiduciary responsibility to provide excellent medical and evacuation coverage when you send your employees abroad for business. Emergency medical claims that are the result of an illness or injury can be quite substantial, so it makes sense to protect your organization’s bottom line and obtain business travel coverage. This is especially important as domestic health plans often do not cover employees who travel abroad.

During your intensive business trip, you might not have the chance to consume healthy food nor the time to work out – sometimes you don’t even know what’s the place you’ll be staying. For business owners, time is money. You want to make sure that your employee is best protected with peace of mind when travelling worldwide.

What’s Included in a Business Travel Insurance Plan? 

A corporate travel insurance plan usually covers treatment for acute illness and injury. Some cover highlights are:

  • Cover for single or multiple business trips up to 1 year;
  • Full coverage for hospitalization and outpatient treatment;
  • Flexible coverage: board members, spouses, children, guests with business connections or expatriate employees;
  • Free choice of public and private hospitals.
  • Optional coverage for an employee’s dependents and pleasure travel
  • Personal Accident Coverage
  • Medical Evacuation Cover
  • Trip cancellation benefits

Click HERE if you require an individual or group travel insurance plan that your or your firm can purchase online. If your organization requires group travel insurance for a single trip for 5 to 1000 individuals, please contact us for a custom quote, especially if you require an annual multi-trip plan for a number of employees. It is a great program for organizations in need of group travel medical coverage for a group of travelers who are traveling at the same time. Finally, should your employee be traveling to a high risk country, please contact us via email and we can approach our special risk underwriters for a plan that will cover passive war and terrorism.

Why you need international health insurance in Hong Kong

Located on the southeast coast of China, Hong Kong is known as a dynamic metropolis as Asia’s World City. Once was a fishing village, Hong Kong has become a cosmopolitan centre where Chinese culture blends with Western culture. Many expatriates are living and working in Hong Kong, but expats need to remember that medical care in the territory is very expensive, so it is crucial to obtain global medical insurance coverage.

Healthcare in Hong Kong

Hong Kong has a well-developed healthcare and medication system. There are 11 private hospitals and 42 public hospitals in Hong Kong, according to government statistics.  The public healthcare system can cover not only Hong Kong citizens or permanent residents, but also non-residents. Although expatriates with valid visa and HK identification card can be covered under public healthcare system, most expatriates are encouraged to obtain international health insurance in Hong Kong in order to get more comprehensive and global medical care without the long waits for treatment associated with government run medical system. Also, dental care is not covered under public healthcare system so many expats will want to seek insurance for this important benefit. Residents in Hong Kong are entitled to see a public dentist unless in an absolute emergency. Therefore, taking out an international health insurance plan is essential if wishing to receive treatment from a private dentist in Hong Kong.

It should also be noted that the private healthcare system Hong Kong is usually more accessible, with less waiting period to see a doctor compared to public hospitals. However, the cost of medical treatment in private medical facilities is usually higher. An appropriate international health insurance plan affords you the option of choosing doctors, standard routine check-ups, and a higher level of accommodation such as private rooms and more.

What to Consider When Purchasing International Health Insurance Before Departure 

As Hong Kong continues to attract more and more global talent, the demand of quality international health insurance for expats is continually growing. When considering international health insurance plans in Hong Kong, there are a number of things that you will want to consider:

  • Emergency Evacuation and Repatriation Coverage –  Emergency evacuation is a critical part of any expatriate’s medical coverage. It will ensure you have access to high quality medical facilities in the event of an medical emergency. If you are in an area that isn’t capable of providing adequate medical treatment, you will be transported to a location that is.
  • Pre-existing & Chronic Condition Coverage – Some international health insurance plans will cover some pre-existing conditions depending on your medical history. If you’d like to know more detailed information, please contact us today.
  • Maternity Coverage and Baby Care – Maternity care in private hospitals in Hong Kong can be very expensive. Making sure that you have comprehensive coverage for pregnancy care and baby care to avoid financial risks. Most plans have a 12 month waiting period before maternity related expenses will be covered.
  • Medical Network –  Does the medical provider have a large medical network where you and your family can obtain medical care by showing your insurer card and receive treatment without out-of-pocket costs.

Obtaining the Right Coverage of International Health Insurance While Residing in Hong Kong 

A tailored international health insurance plan should provide flexible and world-wide service. It will not only let you select the hospital, medical providers and doctors, but also provide you with direct payment so that you do not need to worry about any out-of-pocket medical expenses. Our most comprehensive and popular global expat plan is from Cigna International. You can get an instant quote and even apply online.

The cost of international health insurance will vary by plan. Expat Financial offers several different international health insurance plans for expatriates across most parts of the globe, including expats and even some local nationals in Hong Kong. We also offer international group insurance plans for employers with expatriate employees in Hong Kong. If you have questions about our international medical insurance plans or you wish to discuss your needs and produce a customized quote, please contact us or complete the quote form.

10 Great reasons to move to Panama for expats

Bordered by Costa Rica to the west, the Caribbean to the north, Panama is a popular location considered as one of the best destinations of relocation by many expatriates. In fact, the New York Times picked Panama NO.1 place to travel in 2012. In this article, we will give you suggestions on 10 great reasons to move to Panama.

1.Pleasant Weather

Panama has tropical weather, with breezes off the Pacific that makes the climate pleasant. The average temperature is 75 F in the mornings and 86 F in the afternoons. April to September is rainy season. There is no need to use heating system, so a great choice for those sick of the cold weather.

2.Tourist Attractions 

Panama is located at the geographical point between North America and South America. Expats and travelers will enjoy the modern buildings, the famous Panama Canal, Pearl Islands, San Blas Islands, a variety of water sports and activities. This is a country is a great location for adventure seeking expats and tourists. Most people travel there to visit the Panama Canal, which is oen of the world’s greatest feats of engineering. Many people like to take the partial or full crossing of the canal.

3.Low Cost of Living

It is widely agreed by expatriates retirees that the cost of living in Panama is much more affordable. The renting cost near the city’s main streets would be $700 – $900 US per month. Besides, all the inexpensive clothing, bedding and dinners attract more and more expats moving to Panama.

4.Least Language Barrier

There are many expatriates living in Panama. Though Spanish is the official language, English is considered as a second language in Panama. Most of the local residents can speak English fluently.

5.Political is Stable 

Panama has an open and stable political system. Due to a continuing economic growth, more and more foreigners are willing to invest in Panama, and this again promotes economic prosperity. The political and economic stability have made Panama a safe country to stay.

6.Clean Water

According to health expert, tap water is generally drinkable in Panama. However, most expats would want to start with bottled water and minimize amount of tap water. In general, the water in Panama has been reported to be clean, but it makes sense to check first.

7.Delicious Food

Generally speaking, Panama food has influenced by Spanish, American, Caribbean and indigenous. Except for traditional Panama dishes, American style meals are offered in many restaurants in town. Besides, there are a range of snacks, desserts and local beverages for you to choose from. Most expats will also be able to buy excellent food to make at home at the local stores.

8. Quality Medical Care

Medical care in Panama are generally of good quality. Both public hospitals and private clinics are available in Panama. However, medical services may vary greatly depending on where you go. The capital, Panama City has the best medical facilities and physicians. The doctors in Panama are usually well trained in the U.S., and speak English. Expats and tourists will want to obtain international health insurance during their stay in Panama, with emergency medical evacuation coverage, medical treatment in Panama and globally, as well as dental & vision care.

9.No Taxes on Overseas Income

Panama has a territorial tax system, which means that there is zero taxation policy of foreign income. This applies to Panama residents and companies. This policy attracts many foreigners to become a resident of Panama.

10.Expat Friendly 

Many expatriates will find that local residents of Panama are very friendly. Since Panama has been an international destination long ago, Panamanians accept foreigners and Americans. In addition, U.S. currency is the main currency being used in Panama.

If you are retiring or relocating in Panama, most expatriates will want to obtain an international health insurance plan that will cover medical treatment in Panama, but also globally. If you are an American, you will want to include cover for the United States or if you wish to be able to obtain medical treatment there. We often recommend that expats should make sure that their plan includes medical evacuation and repatriation coverageExpat Financial can source international health insurance for expatriates in Panama from large and respected international insurance companies. Please contact us today for a quote and to discuss your Panama expatriate  insurance requirements. Panama is an exciting and rewarding place to retire and work in. 

Hiring expatriate employees in China – Tips for foreign firms

As China has become the world’s fastest growing economy, many expatriates are willing to work in China. Playing a vital role in international trade, many provinces in China are developed and industrialized, especially in the coastal regions. Major cities such as Beijing, Shanghai, Guangzhou, Hong Kong and Macau have attract many foreign capital investments and financial institutions. These cities have become major economic centers. There are more and more expatriates coming to China to work. However, most of the foreign employees are not quite familiar about their employment requirements in China. In this article, we will introduce expatriate employment, hiring expatriate employees in China and the importance of expatriate healthcare insurance.

Expatriate Employment In China 

Many foreign employers in China nowadays prefer candidates with overseas working experiences – this is not only because these companies intend to build gaps between language and culture of strategic cooperation with foreign investors in China, but also local Chinese firms seek to make investments overseas. In Shanghai, according to job hunting platform at present, high paid senior positions such as Group CEO in manufacture and internet field, salary range is between $150,685 and $226,027 USD per year. A Private Banking Wealth Senior Management position in Shanghai might expect a salary between $105,479 and $150,685 USD per year. A General Ledger Accountant in Guangzhou within a real estate group might  earn up to $256,164 USD per year depending on the experience and skills of the expat. A Product Manager in Beijing of fund and securities area are paid $54,246 USD yearly.

Many foreign job seekers are highly qualified and usually have related work experience. Therefore, local statistics showed that there is a significant demand for hiring experienced foreign professionals within both international companies and even local Chinese operations.

Expatriates who are bilingual, with experience of working both overseas and in China, are often considered for many top-level management positions. If an expatriate can reach a certain level of Mandarin Chinese – speak and read, then employers are tend to pay more than those without Chinese language skills.

Hiring Expatriate Employees In China

According to labor law in China, most foreign employers hiring expatriate employees need to make sure that the foreigner has a valid working permit, employment permission document, and lastly a residence permit. Please note that the employer needs to apply to local labor government authority for employment permission for the expatriate before hiring the expatriate employee. In order to obtain a residence permit, the expatriate employee should apply in person within 30 days to local Public Security Bureau after obtaining the employment permission and the working permit. It is wise to get professional advice from a tax or legal expert if you are going to be employing expats in China.

Expatriates with valid work permits can usually open local Chinese bank accounts.

International Health Insurance Is Critical For Expatriate Employees Working In China 

The cost of medical treatment at private medical facilities in China is quite expensive. Many foreign companies in China offer local healthcare packages to expatriate employees, which may include some healthcare benefits. However, these local plans are usually very basic and are not suitable for most expatriates who probably want to be covered internationally, not just in China. For example, local healthcare plan does not cover emergency evacuation and repatriation – expatriates will need it in the event of medical emergency.

The local healthcare plan does not provide medical coverage when expatriate employees traveling abroad or go back home. In fact, many companies require expatriate employees to work outside of China for a certain period of time. Without properly insured, you are putting your company’s financial and employees at risk. A plan that will provide excellent medical coverage for the expat employee and his or her family is vital and an international group insurance plan can provide better coverage and premiums for the employer versus having the employee purchase his or her own plan. A high quality group plan will also help expat employers retain and attract employees. 

If your employer does not provide a desired healthcare plan, you need to create a tailored expatriate health insurance plan that meets your requirements. A plan offers hospital coverage, outpatient treatment, emergency medical evacuation, as well as vision and dental care, cancer care, etc. An excellent international health insurance plan should help you maintain your physical, mental and financial health.

Get International Health Insurance From Expat Financial 

The cost of international group health insurance will vary by plan. Expat Financial offers several different international health insurance plans for expatriate employers and even individual expats who are not under an employer plan in China. We also offer excellent service before and after you purchase your international health insurance plan in China. If you have questions about our group or individual international medical insurance plans or you want to review your needs and produce a customized quote, please contact us or complete the quote form.

Why Singapore is a great place for expats to live

According to BBC, a recent new HSBC report has named Singapore as the best place to live abroad for expats. The survey was conducted by interviewing around 27,000 people who rated 45 countries on subjects such as salaries, experience and family. Results shown that more than 60% found Singapore brought them higher earnings and helped their career progression. In this article, let’s discuss more about why Singapore is one of the best place to live abroad for expats.

Higher Earnings 

According to the survey, the average income of expats is around $97,000 USD, however, in Singapore, expats’ average earnings is $139,000. Besides, about 23% of them can earn more than $200,000 USD.

Higher Quality of Education 

About 75% of the expats rated the quality of education as better than at home. The main language of instruction in Singapore is English. Singapore’s education system has been known as “world-leading” .

Good Place to Start a Business 

58% of the surveyors thought Singapore is a good place to start a business. Singapore has made starting a business easier by combining tax registration with business registration on a single online form. It is widely known that Singapore is very business friendly and you will have easy access to the entire Asian region.

Healthier Living Environment in Singapore 

Singapore is considered as the ‘Happiest country in Asia’ in a study reported by ABC News. Singapore residents and expats appreciate the safe and clean society. According to HSBC, half of the participants felt they were healthier living in Singapore.

Bring International Health Insurance With You

Luckily, the medical facilities in Singapore are excellent, but the cost of care is also extremely expensive. Most expatriates will want to obtain international medical coverage if residing in Singapore. Medical evacuation is recommended along with a plan that provided global medical treatment. A plan that will provide reimbursement for medical expenses via a large network of hospitals is recommended. Many expats should also obtain global life and disability insurance coverage if they live in Singapore.

Here is a list of different types of insurance coverage you will want if you are planning to become an expatriate in Singapore:

If you require a quote for insurance coverage  for Singaporecontact Expat Financial today for a quote and to discuss your Singapore expatriate insurance needs.

Expat Parenting – Are you ready to adjust to family life abroad?

According to the most recent HSBC expat explorer survey, Singapore has topped the best expatriate destinations for the second year. This is not only because of its financial rewards to expatriates workers and good business environment, but also the high quality of education for children as 75 percent say. In a word, expatriates are placing more attention to a supporting family life and children’s educational environment overseas today. In this article, we will discuss expat parenting abroad – are you ready to adjust to family life abroad.

Know The Difference of Being An Expat Parent 

There are many differences of being an expat parent compared to parenting at home country, one of the most obvious aspect is the lack of support networks. This includes family members and close friends. For many working expat parents, it is suggested to seek support from your company, or networking with local co-workers. For the non-working parents, try to connect with local expat groups and expat web sites that are dedicated to expat parenting, such as Expat Parent.

Encourage Your Children to Get Involved

Moving abroad with children can be a challenge. Many children may show emotional fluctuation at the beginning. It is suggested that expat parents should be more enthusiastic to help their children overcome these obstacles. At the same time, encourage your children to participate in school extracurricular activities. If there is a foreign language is being taught at local school, learn together with your children.

As long as you are open minded and have an attitude of adventure, your expat family life will flourish while abroad. It may also be a good idea to use Skype and other communication methods to allow your expat children to continue to nurture their friendships back home. We often use Skype to communicate with our customers around the world.

Bring International Health Insurance With You 

One of the most important things for every expat family is healthcare. Expat Financial offers several different international health insurance plans for expatriates of most nationalities across the world. We also offer excellent service before and after you purchase your international health insurance plan. If you have questions about our international medical insurance plans or you want to discuss your needs and produce a customized quote, please contact us or complete the quote form. As noted above, having excellent global medical coverage will not only give you peace of mind, but will help you maintain the health of you and your family. 

10 tips for a successful business travel to China

Lets say that your company is planning to enter Asian market and you’ve selected as the key person to lead a first business trip to China. What do you need to know? In this article, we offer practical advice on 10 tips for a successful business travel to China, including business manners in China, culture related suggestions and medical care in China. These tips are a great resource for expats living in China.

1.Print Out Your Key Information Before Departure 

It is strongly recommended to print out your contact person’s name and destination (in both English and Chinese language), just in case taxi drivers don’t speak nor understand English. Many Chinese people begin learning English in their primary schools. However, to prevent misunderstanding and troubleshooting, you should print out all the key person’s full name, hotel name and address, and your name.

2.Obtain China Cell-Phone Plan With Your Phone Carrier  

International phone calls can be very expensive. If you are planning to visit China, you can check with your phone plan carrier to see if you can make and receive phone calls while you are in China and ask the rate you will be charged. Another method is buy a prepaid telephone card. The rate is relatively cheap. It will allow you to receive calls from all over the globe and make phone calls throughout China. Some plans in Canada will allow for transfer of your data and phone calls to China for a nominal daily fee.

3. Prepare For a 24 Hour 7 Days Per Week Work Load 

It is common to receive business phone calls at around 10pm or 7am during weekends. In China, basically any time of the day is working time. Some factories of manufacturing industry are even operating 24 hrs for certain rush orders. White collar workers usually stay overtime too. It is not surprised to see a meeting starts at 11 pm in China. Be prepared to keep up with the pace during your business trip to China.

4. Bring Cash 

Almost nobody in China accepts personal checks. Even Chinese local banks do not offer personal checks. Large shopping malls would accept credit card. Please bring cash with you for daily activities. For larger amount, you should pay via online banking. Your bank can provide more information.

5. Check Your Electric Device 

Please note that electronic voltage is different in China. Mobile phones and laptops are important for any business trips. It is recommended to bring the right chargers and converters before departure. You can also buy them at the airport or at local stores in major Chinese cities such as Beijing and Shanghai.

6. Obtain Travel Medical Insurance Before Departure

It is vital to make preparations for unexpected medical costs. Travel insurance is designed to prevent you from losses in many circumstances within a certain period of time. Common travel related issues are: emergency medical treatment, loss of luggage, loss of personal belongings and medical evacuation. This is especially important for business travelers.

Travel Insurance China can offer travel medical insurance to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. Please download IMG Patiot brochurecontact us to obtain a quote online

7. No Tipping In China

This might be different from what Westerners used to, however, you don’t need to pay tips in restaurants while staying in China. The printed amount is the final amount you need to pay. Also, there is no sales tax on top of merchandise that you purchase.

8. Bring A Copy Of Your Medical History Report

To get healthcare during your business trip in China, you should carry your medical history report. Or a statement from your doctor identifying your blood type, any chronic conditions or allergies. These kind of information is very useful in the event of medical emergency. If you have prescriptions, make sure they are clearly labeled.

9. Schedule A Medical Check-Up Before Departure 

Ideally, it is advised to schedule a medical check-up with your doctor 4-6 weeks before your trip in order to get vaccinations or medications you may need. To prevent health hazard, please avoid drinking tap water while staying in China, even in major cities. Avoid eating food from street vendors, unpasteurized dairy products and  don’t consume ice made with tap or well water.

10. Get All The Paper Work Ready

Before you leave, you need to make sure you have all the required documents. Generally speaking, in addition to a passport, you will have to bring a visa for trips to China. Make sure to select the correct type of visa you’re applying for and time period you will be staying in China before submitting the visa application form to the Chinese Embassy. It is best to leave enough time before your trip for obtaining the visa.

Expat Financial offers several different international health insurance plans for expatriates of any nationality across the world – including China – if you are going to stay for more than a year and need comprehensive coverage. If you have questions about our international medical insurance plans or you want to discuss your needs and produce a customized quote, please contact us or complete the quote form

Going to a conflict zone? Get special risk insurance coverage

Unfortunately, we live in a world that has many regions and countries where war and terrorism are commonplace. Nearly all mainstream travel medical insurance and expat health policies have restrictions on claims that are the result of war, terrorism, riots and civil strife. Some others will exclude coverage in well known high risk countries such as Iraq and Afghanistan. Most people will not travel to such countries for pleasure, though that has been the case in Afghanistan recently where some “adventure tourists” were attacked by the Taliban. In general, people are traveling to high risk countries for the following reasons:

  • To conduct aid work with NGOs
  • As reporters for news organizations and outlets
  • To conduct business, especially in the mining and oil industries. This can also include companies selling services and products to businesses or government entities in these countries
  • As part of a government delegation or embassy assignment
  • Or to see family members

Whatever your reason for traveling to a high risk country, it make sense to obtain adequate insurance coverage that will not exclude war or terrorism if you get caught up in an unfortunate event. It may or may not be available depending on your country of residence as obtaining individual war risk coverage is much more difficult than sourcing a group plan for employees. The kind of coverage we would want for visiting high risk countries are plans that cover passive war and terrorism coverage, which means you are an innocent bystander and not an active participant in terrorism and war.

If you are traveling to a high risk country for under one year, then most people will want an emergency only travel medical insurance plan that can cover passive war risk. If you are an individual who is going to become an expat in a conflict zone or country where terror is commonplace, then it will be wise to see if the individual expat health plan can cover war/terrorism – unfortunately, most if not all individual expat health plans will have a war and terrorism exclusion. Expat Financial through our parent company TFG Global can source excellent group expat benefit plans that can cover expat employees in high risk and even war zones which can cover passive war and terrorism. We can even source group business travel plans that can cover claims that are the result of a war or terrorist act. Please contact us to see if we can find a plan for your company.