How to obtain health insurance when teaching abroad

Teaching overseas is an exiting and rewarding journey for expat teachers around the world. There are many opportunities to teach English and other subjects in both public and private schools abroad. Many younger teachers will gain valuable work experience that will help their career when they come back to their home country. More experienced teachers may choose to work abroad to experience life abroad, especially in a more exotic country.

If you are teaching overseas for a year or more, it is important to consider adequate health insurance to cover both you and any dependents that may come with you. In this article, we will discuss health insurance options for expatriate teachers and introduce the differences between domestic health insurance and international medical coverage.

Why Should I get health insurance while teaching abroad?

Before teaching overseas, it is strongly recommended to do some research about your current health insurance plan and the healthcare situation in particular country where you are moving. Most local health insurance coverage in your destination country is designed to cover you locally it will not allow you to seek medical care overseas. Depending on which country you are going, in some less developed countries, the local medical facilities may not be up to the standard that you are used to. Therefore, obtaining appropriate medical coverage is very important.

 

Group or Personal Plans for Teachers

Many teachers will be offered to join a group plan offered by the school if one exists or is available. Expat Financial can source excellent group medical plans for schools and universities that provide both local and global medical coverage for the teaching and administration staff. Most teachers will naturally join the group plan that is offered. If your school is not offering a plan that you can join, then teachers should obtain an individual health plan to cover their emergency and out-patient medical needs.

Domestic Health Insurance V.S. International Medical Coverage

In most countries, the healthcare system is divided into two options: public medical care and private healthcare. If you are employed by an institution or an organization overseas, you are probably covered by adequate local healthcare system provided by your employer. However, to many expats living and working abroad, the local healthcare system is not the best choice. In Hong Kong, for example, health insurance is considered as part of expats’ benefit package. This is often referred to the public clinics and hospitals. Though the overall standard of public healthcare system is high in Hong Kong, the system is more focused on emergency care, not preventive healthcare. Also, the public medical system does not provide dental care. The private healthcare system is often chosen by many wealthy Hong Kong nationals and expatriates. This is not only because of its excellence in service and medical treatment, but also the flexibility of surgery bookings to many busy expatriates.

The cost of using private medical care is usually very high. Expat teachers living and working overseas who choose to opt for the private healthcare option should obtain international health insurance to cover emergency and/or out-patient medical costs. With an appropriate international medical plan, individual expats and their families are covered worldwide (except in the USA unless you add it as optional benefit). International health insurance plan provides day-patient care and full hospital coverage, extensive cancer coverage, maternity and baby care (conditions may apply), dental & vision care and international medical evacuation and repatriation. This is especially important for expats going to visit rural area in some less developed countries.

How do teachers lower your global medical premiums?

If expatriate teachers want to lower their health premiums, one can include a larger deductible or obtain a plan that will only cover in-patient expenses that are incurred in a hospital. Most global medical plans will offer three levels of coverage, such as Silver, Gold and Platinum with each plan offering a higher level of coverage and policy maximum. Some medical plans will include maternity care after a 12 month waiting period. 

expat healthcare if critical

How to Obtain International Teacher Health Insurance?

Expat Financial can source global medical insurance plans for expatriate teachers that can provide excellent coverage and premiums. We have been offering teachers international health insurance coverage on an individual basis for many years. For more information, please check out our International Teacher Health Insurance page. 

If you are an international education institution and employing expatriates teachers, we can provide group medical plan quote for your teachers. Please click here for International School Insurance Solutions brochure. Contact us for plan details.

Medical Insurance for trips to the USA is critical

Whether you are planning a short trip to the USA, an international student going for a summer course, or you are moving to the United States, it is vital to obtain medical insurance before departure. Medical costs in America are widely known to be the most expensive in the world. However, many visitors are to the USA will take the chance and not obtain travel medical coverage or simply forget. In this article, we will discuss the importance of visitor insurance and ways to obtain appropriate medical insurance when traveling to America.

The Importance of Visitor Health Insurance When in the USA

There is basically no universal or free healthcare in the United States. In March 2010, President Obama passed the Affordable Care Act (ACA), commonly referred to as “Obamacare”, intended to expand healthcare coverage in the USA. However, medical expenses are still about twice as much as many other developed countries. There are a variety of reasons, but is at least partially because of the high administrative costs, drug prices, mix of medical treatments, etc…

We have all heard stories of people who have traveled to the United States for a short trip and after suffering a major accident or illness been faced with a extremely large medical bill that is in the hundreds of thousands or even over a million. In fact, recently a Canadian couple were in California and were both hit by a car. Unfortunately the husband died at the scene and the wife suffered catastrophic injuries that exceeded her $500,000 travel medical insurance policy. Another reason to check if your policy has a large policy limit.

It is also important for international visitors and new immigrants to obtain health insurance before going to the USA for short or long trips.

Short Term Visitors to the USA

Travel medical insurance plans are often suitable for international visitors staying 5 days to 12 months in the USA and we do offer some excellent plans with a variety of policy maximums and several deductible choices. A typical travel medical plan for trips to the USA will often include medical benefits such as  hospital room stays, x-rays, ICU care, emergency drug cover, accidental dental,emergency evacuation & repatriation. Policy details and the web application are available online. If you want, you can obtain a quote and purchase coverage online. We recommend that you purchase a comprehensive travel medical plan with as high a policy maximum as you can obtain. More details on the policies we offer at our travel insurance page.  For companies sending employees abroad for business, it is their duty to make sure that their business travel medical plan fully covers their employees globally, especially when going to the USA. 

Long Term Stays in the USA

If you are a non-US citizen and you plan to reside in the United States, you will need to obtain an international health insurance plan that will provide comprehensive medical treatment including hospitals in-patient and out-patient coverage, international medical evacuation, vision and dental coverage in the USA. If you are an expatriate living or traveling to the USA, you should obtain adequate international health insurance coverage. If you become eligible for a local health plan in the United States, you should apply for it. Note that the local plans will most likely not cover treatment outside of the USA or when you travel abroad. If you are an American living overseas and you plan to go back to the USA for a short trip, make sure your expat health plan fully covers you for treatment and/or short trips in the United States. If you are an American who plans to permanently move back to the United States, you will have to obtain a local health plan in the USA.

travel insurance

Do You Have Questions? 

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 you may want to make sure that you are indeed fully covered when visiting the USA for short or long term stays. 

 

Vacation Insurance for Expatriates is Critical

Some expats who live abroad will be covered by their employer expat health plans or by the local government health system. Unfortunately, such plans probably will not cover medical treatment or evacuation coverage when traveling outside their new home country. Everyone knows that medical emergencies can occur when traveling and are almost always unexpected events. Any medical event when traveling can cause a great deal of stress for individuals and families traveling abroad, but also significant medical expenses that can seriously impact an expat’s finances. Evacuation costs when traveling abroad can also be quite large, especially if you are traveling to a country with limited medical assistance and facilities.

Travel Medical for Expat Vacations

If the expatriate living abroad needs emergency travel medical insurance coverage outside their new home country, we can offer a single or multi-trip travel medical insurance plan for most expats living abroad. These travel medical plans will not cover pre-existing medical conditions and are only meant for emergencies while you are outside your country of residence or country of citizenship, depending on the insurer you choose. We offer two main travel medical insurance plans for expatriates living abroad:

  • IMG Patriot Travel Medical  – a great single trip travel medical insurance plan for people traveling outside their country of citizenship. It can even be purchase if you are already traveling or living abroad. It will not generally cover you traveling back to your country of citizenship unless you purchase their Home Country Rider. This travel insurance plan can be quoted and purchased online and all the plan details can be viewed when you are getting a quote.
  • BUPA Global Travel – a more deluxe travel medical insurance policy that can provide single or multi-trip travel medical insurance coverage for many expatriates living abroad. It covers you outside your country of residence, so it can be ideal for expats who may travel back to their country of citizenship. It has a zero deductible and is a very comprehensive policy. You can also obtain a quote and purchase online. This plan does have some non-medical related vacation insurance coverage as an option. It can cover trip cancellation and interruption expenses on a single or multi-trip basis. The multi-trip plan covers annual travel for trips up to 1 month per trip as per their plan terms and conditions.

The Bottom Line

If you are an expat living abroad and going on a short or long term vacation, it is a good idea to obtain a travel medical plan to cover you when you travel for business or pleasure. There are very limited options for expats who want vacation plans that cover baggage, trip cancellation and interruption – so if you want this coverage, you will probably have to search for it locally. Some travel medical insurance plans will have some limited non-medical related coverage in their policies. Really, your main risk that can bankrupt any expat is uninsured medical and evacuation expenses. A lost bag or cancelled trip will be costly and upsetting, but shouldn’t seriously impact your finances.

Global Medical Insurance is a Better Solution for Expats who Travel

If you are living abroad, in our opinion there is a better solution than obtaining travel medical coverage for short or long trips. The best option for most expatriates is to obtain a comprehensive global medical insurance plan that will cover you and your family worldwide, which will mean you won’t require travel medical or evacuation insurance for trips as you care covered locally and globally. You should make sure that the global health plan covers you globally including your country of citizenship and also includes an evacuation rider. Some expat health plans will exclude seeking medical treatment in the USA, but will still cover a limited number of days for emergency care when in the United States.

A great policy that we offer to expatriates is the Cigna Global Health Options plan. You can obtain a quote for this international health plan via our web site.

To learn more or if you have a unique travel medical insurance requirement, please contact our firm today.

How to find a doctor while living abroad

Before moving or traveling overseas, it is important to get to know more about the health services at your destination country. This especially important for people with chronic medical conditions or people who will stay in a foreign country for a long period of time. In this article, we will discuss how to find a doctor while living abroad and tips to prepare for medical care before and after departure.

Ways to Find Medical Facilities Abroad

Research Hospitals: We recommend that expats and travellers research destination country’s medical information and hospitals online and contact them if you require medical attention during your stay. Especially for expats who have pre-existing medical conditions such as heart disease, arthritis, HIV, diabetes and depression. When living abroad, most expats will want to use private hospitals and clinics, especially in countries where local government medical systems are underdeveloped or not available for expatriates. Expats also prefer private medical facilities because of their excellent treatment and high level of medical service. Compared to public hospitals’ long queues and waits, many private hospitals not only have English speaking staff and well-trained doctors, but also the flexibility treatment bookings to suit expats’ schedules. It should also be noted that most private medical facilities provide better accommodations and services for expatriates.

The cost of private medical treatment can vary significantly between country to country. In many nations, uninsured medical costs can cause a financial burden to many foreign patients. Therefore, it is vital for expats obtain an international health insurance plan that can cover both emergency and non-urgent medical costs.

Researching Doctors While Living Abroad: In addition to hospital search, it is suggested that expats research doctors online in their destination country as well. Please keep in mind that you will want to select doctors who can speak your language. Many embassy sites in your destination country will provide doctor services information. For example, many US embassy web sites in foreign countries will have a list of international physicians and doctors. It is also recommended that expat patients with medical needs should contact their embassy before they go abroad.

Aside from a web search, another great source for expatriates living abroad is to check with their international health insurance provider’s web site as it will often provide a list of medical doctors and hospitals that are in the insurer’s medical network. This may even allow for direct reimbursement of the costs without the expat having to pay out of pocket for medical claims. It is vital that expatriates and expat employers obtain medical coverage with an expat insurance company that has a large medical network that will provide fast and efficient payment of claims while living abroad.

How to Prepare in Advance

In case of medical emergency, some healthcare facilities may be unsatisfactory in underdeveloped countries or for expats working and living in rural areas. Expats and visitors can follow these simple points to make sure you and your family members are properly prepared while living abroad:

  • Bring any medications you may need while living abroad and make sure the bottles are properly labeled.
  • Always consult a doctor if you need to find a replacement medicine or prescription in your destination country.
  • Carry your global health insurance card with you, as well as your international health insurance company contacts and policy number.
  • Check if the local doctor can write and speak English or your native language.
  • A written document that identifies your blood type, any chronic illness and allergies in local language. This really helps in case of medical emergency.
  • Make sure your international health insurance plan has medial emergency evacuation coverage.
  • Wear your medical information bracelet if you have an underlying medical condition
  • Embassy contact information for your destination country.

Obtain International Health Insurance Before Departure

The cost of preventive healthcare at many private medical facilities is expensive, especially in more developed countries. Local healthcare packages for expats may include some very basic medical coverage, but those plans usually do not cover preventive healthcare expenses or give you access to advanced private care. With a tailored international health insurance from a company such as Cigna, expats can be covered internationally – including medical emergency evacuation and repatriation, preventive healthcare expenses, hospitalization and treatments and medicines. The peace of mind of knowing that you and your family access to the best healthcare is very important for individual expatriates and their employers. 

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

 

 

 

Hong Kong International Health Insurance Options

International health insurance in Hong Kong is very important to consider when moving to this city, which is one of the world’s most successful financial centers and offers an exiting array of culture and excitement for expatriates in this vibrant Asian city. In this article, we will discuss how Hong Kong international health insurance is vital for locals, travelers and expatriates in one of the most  prosperous international business areas in AsiaHong Kong is within a few hours’ flight from all major cities such as Beijing, Tokyo, Seoul and Singapore in Southeast Asia. Hong Kong has advanced medical care system, education, international cuisine and active lifestyle  that helps attract many expatriates of different countries from all over the world each year. When in Hong Kong it is important to keep healthy and active, so we will introduce the healthcare system in Hong Kong and health insurance options for locals, travelers and expats.

Healthcare in Hong Kong

Public System: The standard of healthcare in Hong Kong is generally considered as one of the best health systems in Asia. Most healthcare is government operated and managed by HK Health Authority. There are approximately 56 hospitals in Hong Kong, of which 12 are private and 44 are public. Public hospitals are equipped with advanced facilities and well-trained medical staff, while the cost to Hong Kong ID card holders are minimal and affordable. For the most part, the public system is more geared to emergency care, not preventive healthcare. There is also usually less choice, especially with regard to doctors. The one thing the public system does not provide is dental care. Therefore, expatriates seeking dental treatment must take out international health insurance plan to cover the medical cost.

Private System:  Private hospitals are often chosen by Hong Kong nationals and expatriates because of their high level of service and excellent treatment, without long waits and queues. Private facilities in the city will also provide flexible surgery bookings to suit expats’ s schedules along with more deluxe accomodations and services. You may have to pay more when a surgery is performed outside regular hours. However, the cost of using private medical facilities can be quite high. It is important that expats moving to Hong Kong should obtain international health insurance coverage before departure. Many expats in Hong Kong will add optional dental care for their family.

expat healthcare if critical

Health Cover for Visiting Hong Kong as a Traveler

A visa for Hong Kong is not required for tourists from more than 160 countries within staying from 7 to 180 days. Medical payments are usually using cash in public hospitals. As travelers don’t have Hong Kong ID card, they will need to pay private hospital rates when using public hospitals. For example, the cost for an emergency visit at public hospitals can be HK$120 with ID card, but could be HK$600 as a traveler without one. Many travelers tend to use private healthcare facilities for treatment under emergency situations. It is important to obtain emergency travel medical insurance with medical evacuation coverage if traveling to Hong Kong from another country that will provide payment for medical treatment via a large network of hospitals.

Global Health Insurance for People Living and Working in Hong Kong 

As a well established international financial center, many expatriates working in trade and finance related professions in Hong Kong. Some expat employers may provide health plan with basic coverage, but it probably won’t provide much coverage beyond HK or Asia. However, this is often inadequate when apply to private medical facilities. Additional private medical insurance plan is required to cover your stay. Many expats should also obtain global life and disability insurance coverage. Our most popular global medical plan for Hong Kong is the Cigna Global Health Options plan and it can be offered to both expatriates and local Hong Kong nationals. It offers coverage from a very large, secure and respected global insurance company with many hundreds of thousands of expatriates coverage around the world. You can choose in-patient only or add out-patient medical coverage to include items such as check-ups and tests done outside a hospital setting. 

International Health Insurance Solutions in Hong Kong 

Expat Financial offers several international health insurance plans for expatriates and even local nationals living and working in Hong Kong. We offer plans from several different international health insurance companies that are designed for foreign nationals living outside the country for which they hold a passport or some local national living outside US or Canada. 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.

Road accidents in Thailand are a big risk for expats

Thailand is bustling and vibrant country at the heart of South-East Asia. There are many beautiful beaches and historic temples in Thailand. As a popular expat destination, Thailand has much to offer anyone when on the beach or traveling the country on many roads and highways. However, according to a recent article in the BBC news, 478 people lost their lives on the roads in just seven days over the New Year period in 2017. Unfortunately, like many developing countries, road accidents in Thailand are a big risk for expats. In this article, we will briefly review the high incidence of road accidents in Thailand, road safety tips for expats and how this higher risk highlights the importance of having global medical insurance in Thailand.

Road Accidents in Thailand 

According to a 2015 World Health Organization report, Thailand’s road death rate is one of the highest in the world. In fact, on Jan.2, 2017, a public van lost control and collided on a highway and 25 people were killed in the crash, as reported by many news organizations. Between December 29 and Jan. 3, 478 people died in 3,327 accidents according to by the Department of Land Transport. It has also been reported that road accidents involving tourists and expatriates in Thailand are quite common. In fact, the World Health Organization reports that there were 36 road related traffic deaths a year per 100,000 people in 2015. The British foreign office in 2013 even launched a road safety campaign to cut the number of UK expats injured and killed while living abroad, especially in countries such as Thailand.

As reported by the Vancouver Province, in January 2017, two Canadian women traveling in Thailand were involved in a car accident in Thailand. One died and the other suffered severe injuries and did not have any travel medical insurance. She is now faced with large medical bills.

One of the main reasons of road accidents in Thailand is speeding. However, other factors such as the rise of population, congestion in urban centers and highways, too many cars and vehicles in cities, etc. are all causes of road death. Luckily, the Thai government is implementing new road and safety projects and high-rise roads to improve the traffic conditions. In Thailand, many of the deaths and injuries involve scooters and motorcycles.

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How to Increase Road Safety as an Expat in Thailand 

As a popular international destination, there are many expats choose to work and retire in Thailand. Just because there are more frequent road accidents doesn’t mean you should not enjoy life in Thailand. Here are some common sense road safely tips for expatriates in Thailand:

  • If you want to drive in Thailand, it is advised that always follow the legal speed limit.
  • Keep a certain distance with motorcycles – their speed is faster than you think.
  • When crossing road intersections, don’t rush to pass.
  • If you need to ride a motorbike or bicycle, wearing helmet is mandatory, but not usually enforced. However, it is well recommended as motorcycle accidents make up 70% of all road accidents in Thailand.
  • Expats living in Thailand should take extra care when walking in the city.
  • Your risks of a road accident increase when you ride or travel at night, so try to use the roads during the day.
  • Avoid riding quad bikes as they can be dangerous and illegal.
  • Check out the UK Foreign Office web site for Road Safety Overseas.
  • Before you enter Thailand and travel the roads, make sure you are covered for international health insurance. Make sure your health plan covers you if you are riding a motorcycle.

Railay beach, Krabi. Thailand

Medical Facilities in Thailand 

In major cities such as Bangkok of Thailand, the standard of medical facilities is generally quite good. Both public and private hospitals are available in Thailand. The public hospitals have good standard of medical care and used by the majority of Thai nationals. However, expats will want to skip the long queue of public hospitals and use private medical facilities with English speaking medical staff. If you are traveling the roads in more rural areas, the medical care you receive in the event of a road or pedestrian accident may be substandard. According to the UK Foreign and Commonwealth Office, many private hospitals in Thailand are equivalent to western standards. Although the cost of medical treatment is reasonable in Thailand, expats should obtain international health insurance with medical emergency coverage before departure in the case of emergencies.

Obtain International Health Insurance in Thailand 

As one of the most visited country in Southeast Asia, Thailand is popular destination for expat worldwide. In 2016, a man from BC was visiting Thailand and while traveling by scooter he was run over by a large truck. Barely clinging to life with severe injuries, he barely survived. The Canadian did not have adequate medical coverage and his hospital bills quickly ran up to over $170,000 USD. This is an unfortunate reminder of the importance of international health insurance for expats living in Thailand.

If you are planning to work, live and retire in Thailand, most expatriates will want to obtain an international health insurance plan that will cover medical treatment in Thailand, but also globally. A good plan should not only cover accidents, but also illnesses. Expatriates in Thailand should make sure that their plan includes medical evacuation and repatriation coverageExpat Financial can source international health insurance for expatriates in Thailand from large and respected international insurance companies. If you are traveling the roads and highways in Thailand, contact us today for a quote and to discuss your Thailand expatriate insurance requirements.

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Rapid growth in demand for private health insurance in China and its impact on expatriates

According to a recent Ernst & Young report, the market for private health insurance in China is increasing a rapid rate. Insurance premium revenue jumped from RMB 1.5 trillion in 2014 to RMB 2.4 trillion in 2015 and is projected to reach almost RMB 5 trillion in 2020. The increase in premiums must indicate that more and more people are seeking private health insurance to protect themselves from medical costs. Though the public healthcare system in China provides some basic coverage, it cannot meet the requirements of more affluent patients and especially most expatriates in China. In this article, we will discuss the rise of health and medical insurance in China and how it will impact expatriates and local nationals.

What Factors Drive Demand For Private Health Insurance In China?

The trend of a focus on well-being is increasing among the aging and wealthier Chinese population, according to the Ernst & Young report. It is widely known that the standard of public hospitals in China varies from city to city. Usually public hospitals in Beijing, Shanghai and Guangzhou are better than those in municipal or rural areas – as you would expect. Therefore, most patients will prefer large reputable public hospitals in major cities if condition permits. With increased pressures, these larger public hospitals in major cities are becoming overcrowded with much longer waiting period and line-ups. This is causing difficulties for expatriates seeking medical care in some Chinese medical facilities.

We should also note that the medical costs can cause a financial burden to many Chinese and foreign patients. With a private expat health insurance plan, they can reimburse the prescription drug costs and supplement their public health insurance plans.

The increased focus on health issues, unsatisfactory public healthcare services,  increased medical expenditure, relaxed private health insurance regulation, etc are the factors that drive demand for private health insurance in China.

International Health Insurance For Expats Living And Working In China

Most expats living and working in China will prefer international health insurance over a local plan that is meant for local Chinese nationals. First of all, most foreigners are excluded from public heath insurance system. Second, even if you can access to local public health plan, you will still need to pay co-payments. The Chinese public health insurance system has little reimbursement for out-patient medical treatment fees. Thirdly, most expats staying in China prefer private hospital and clinics. These private medical facilities are equipped with foreign medical staff, English-speaking doctors and top standard of medical care. The decor of the private hospitals is also more welcoming for expats in China. Medical treatment at private medical facilities can cost much higher than at a public hospital in China. In fact, many insurers report that private hospitals are often more expensive than hospitals in the United States. With an international health insurance plan on hand, expats do not need to worry about the high medical expenditure and protect your financial security.

What Does International Health Insurance Cover? 

If you are living in China or planning to move there, an international health insurance plan can provide flexible and portable coverage along with world-wide service. It will not only let you select the hospital, but also medical providers and doctors. A typical international health insurance plan will provide coverage options such as hospital coverageoutpatient treatment, medical emergency evacuation, routine health check-ups, dental & vision care, life cover, disability cover and accidental death. Expat health insurance premiums will vary depending on the coverage of the plan, your age, citizenship and several other factors. Some plans may not cover pre-existing medical conditions or may be able to provide coverage for your previous medical condition depending on the medical underwriter’s decision.

Choose The Right International Health Insurance Broker for China

We are very experienced in covering expatriates in China. As an independent broker, we can be of assistance when it comes to choosing international health insurance in China. Expat Financial offers several different international health insurance plans for expatriates across most parts of the globe. 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

Tips on becoming an expat entrepreneur

As an entrepreneur, can you imagine living abroad as an expat while running your business successfully? Starting a business is not easy, especially if you’re running one overseas. In this article, we will share a few tips on how to run a business while living as an expat before you decide to departure.

Know the local business environment

Most of the entrepreneurs are running a business with a local focus before traveling to a new country. Promoting your services or goods to local people can be difficult if you are unfamiliar with local business environment. It is a good idea to join local business networks even if you are running an online business. This way can help you to understand the culture and the local consumer, be that in Asia, Africa or around the world.

Researching online is another good way to guide you to meet the right partners and launch at the right conferences.

Start to learn the local language

Unlike traveling, running a business overseas requires participation in cultural experience every day. Learning the local language is a key step. Although it may sound like challenging, poor language skills are still better than none. Besides, speak the local language will help you meet your partner and customer better. Language skills are important when the market is not native to you. You should also network both locally and internationally. LinkedIn is a great resource for expats.

Get tax and legal advice before and after moving abroad to start your expat business

Local and global tax rules are extremely complex and it makes sense to talk to an expat tax professional that can fully appreciate your expat business plans and it will impact your bottom line. You may want to pick a country with the right tax rules and treaties that will allow you to flourish. Many expats choose jurisdictions with low tax rates. You should also inspect the country if possible first to see if it is a business friendly nation with favorable tax rates and rules. You should also talk to a legal adviser to make sure you are fully compliant with the local laws.

Manage your expat based business online

As an expat entrepreneur running an online business, you will need to mange your team, leads and make sales completely through smart phones or laptops. There are many great communication tools such as Skype, Slack and more to mange team and make sales online. Developing a balanced work and life style is important. Sometimes due to different time zones, you will need to adjust schedules to the clients’ time zone. One of the best things about the internet is that it has enabled the expat entrepreneur lifestyle.

Don’t forget international health insurance considerations for expats 

It is important to choose a quality expat health insurer when you live abroad for your global medical needs. Expat entrepreneurs have a diverse set of roles and can’t rely upon a group expat health plan provided by an employer. Expat Financial offers several different international health insurance plans for expatriates across most parts of the globe, even if you are working on your own or with a few other expat employees. If you have several other expat employees, we may be able to source a group plan that can offer better coverage, terms and premiums. 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. Also don’t forget to obtain individual life and disability coverage.

What expats should know about UK’s National Health Service (NHS)

The National Health Service (NHS) is a free publicly funded national healthcare system. Recognized as one of the world’s leading health systems, it is the primary healthcare provider in England, including in-patient care, primary care, emergency medical care, long-term healthcare and dentistry. The NHS is for the most part funded from general taxation with a small amount contributed by National insurance payments.

The NHS has three core principles:

  • That the system meet the needs of everyone
  • That coverage be free at the point of delivery
  • That it be based on clinical need, not ability to pay

Most expats in the UK are able to access free emergency medical treatment at NHS hospitals. However, some expatriates will be responsible for payments of in-patient medical treatment and dental, depending on where they are from. Countries such as Australia, EU and New Zealand, etc, citizens are exempt from the NHS healthcare payments.

Expats Using the NHS while living in the UK

Expats living in UK must register for an NHS Number in order to make medical appointment. Due to the long waiting lines, in most cases the appointment will be in about a week or much more. Expats looking to use the NHS should be prepared for long waits.

Private Healthcare in UK

Private healthcare in UK provides best medical specialists in London. Medical cost of private clinics in UK can be expensive but free from long waiting lists. Also, they do guarantee quality treatment and don’t cover chronic conditions, pre-existing medical conditions or cover you outside the UK. Expats living and working in UK will want to obtain international health insurance plan if living the the UK. International health insurance offer global coverage when expats travel back to their home country or overseas. Most plans will cover international medical emergency evacuation and repatriation, preventive healthcare expenses, hospitalization and medicines.

Expats from Outside Europe Returning to UK

It has been reported that Expats from outside Europe who return to the UK and want to access NHS hospitals may be billed for 150 per cent of the cost of treatment if they don’t have sufficient medical coverage. Most treatment remain gratis for those with a European Health Insurance Card (Ehic) along with United Kingdom pensioners residing in the European Economic Area (EEA). Note that Brexit may impact these rules and systems. There are exemptions available to some people, but these rules reflect the current efforts by the UK government to reduce expenses related to the very expensive NHS and cover for expats. More info is noted in the nhs.uk web site for UK expats living in many non-EEA nations who may get free hospital treatment in those countries because of a reciprocal arrangement with the British government.

Obtain International Health Insurance With Expat Financial 

Expat Financial offers several different international health insurance plans for expatriates planning on living the UK who want global coverage.  We also offer group plans for multinational firms that have excellent coverage & wellness programs for your employees along with great rates and enhanced coverage. If you have questions about our services or the plans  we can source, please contact us or complete the quote form

Preventive Healthcare for Expats is Critical

Living abroad is widely viewed as an adventure. People move abroad to become expatriates for work, lifestyle or to retire abroad. Sometimes we are so busy with expat life that we often forget to take care of our health. Moving abroad can often place you in countries with limited medical care or support along with being exposed to more health and safety risks. One way to keep yourself healthy is to take steps to prevent health problems from occurring when you move overseas. Preventive healthcare refers to medical measures to disease prevention. Preventive healthcare is very important for detecting health problems  before they become serious and preventing chronic diseases such as heart disease, diabetes and cancer. In this article, we will help you obtain a better understanding of preventive healthcare and why it is critical for expat.

Differences Between Preventive and Diagnostic Medical Care 

Preventive medical care includes screening, immunizations, lab tests and other medical tests to help you avoid any illness before you notice any symptoms – aiming at help you stay healthy.

Diagnostic medical care is following up and monitoring existing healthcare problems, including treatment based on test results. Both preventive and diagnostic medical care are important in keeping you as healthy as possible.

Preventive Healthcare for Senior Expats

Many senior expats are living a healthy and energetic life style. As we all know, as we get older things don’t always work as well as they used to. Preventive healthcare is especially important for this age group to help them prevent disability and stay healthy.

Generally speaking, all seniors & many adult expats will benefit from these screenings and tests on a regular basis:

  • Blood pressure check
  • Mammogram
  • Cholesterol screening
  • Cancer screening
  • Diabetes screening
  • Age-specific immunizations

Preventive Healthcare if  Pregnant Expats

Being pregnant as an expat is exciting and overwhelming. The best way to take care of yourself and your baby is to get preventive healthcare tests and prenatal care:

  • Follow routine tests such as blood and urine test; Certain medical tests during pregnancy will reduce your risks for any potential diseases;
  • Visit your healthcare provider regularly and talk to medical professionals about vaccines you may need;
  • Check with your expat health plan to see if there is maternity coverage. Most individual plans have a 12 month waiting period while group plans usually have no waiting period.
  • Make sure you check in with your doctor often when you become pregnant. Advise your MD if you will be living abroad in a country where there is limited healthcare or more exposure to health risks such as infections, viruses or other hazards such as the Zika Virus.

Preventive Healthcare for Expat Children

Regular medical check-ups and screenings for your expatriate children is critical. Visit healthcare professionals and discuss any concerns on how to develop a healthy diet, physical and emotional development, etc. Becoming an expat can be a great experience for your expat child, but also a very stressful one – so you may need to seek a mental health professional when you live abroad in order to help your expat children adjust to their new location. Please read our blog post article and obtain more information on Expat Parenting – Are you ready to adjust to family life abroad?

Preventive Healthcare for All Adults 

According to Agency for Healthcare Research and Quality, most men are 24% less likely than women to go the doctor. However, regular preventive healthcare can help all adults live a long and healthy life. Some examples of participating in preventative health for men include prostate exams.

Except for general adult preventive healthcare such as blood pressure, cholesterol screening, cancer screening and immunizations, women will benefit from taking mammogram, cervical cancer screening, Chlamydia screening, etc.

How Can International Health Insurance Can Assist in Preventative Care?

The cost of preventive healthcare at many private medical facilities is expensive, especially in more developed countries. Local healthcare packages for expats may include some very basic medical coverage, but those plans usually do not cover preventive healthcare expenses or give you access to advanced private care. With a tailored international health insurance from a company such as Cigna, expats are covered internationally – including medical emergency evacuation and repatriation, preventive healthcare expenses, hospitalization and treatments and medicines. You can choose to add out-patient and wellness modules that include excellent preventive care for expatriates. 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