Sending expatriate employees overseas is a massive undertaking for any company or organization, and this task usually falls to the global mobility or human resources manager. An expatriate assignment is an enormous investment, and the costs of a failed expat move can be quite significant. One of the most important considerations for HR managers is setting up an international benefit plan that will cover life, AD&D, disability, dental, evacuation and especially international health insurance. However, one of the most important questions to ask of any benefit plan is will it cover pre-existing medical conditions.
Nowadays, most people are living longer at an ever-increasing rate. Due to the improvements in medical technology and other factors, there is a trend for people to stay in employment while well past traditional retirement ages. A question you may be asking yourself is how does an ageing populations impact expat benefit plans? Let’s take a look at the graying of the workforce, and the likely impact may bring for mobile employee benefit plans.
Located in the southernmost region of Africa, and encompassing a wide variety of languages and cultures, South Africa today is a developed country with a vibrant culture, environment and people. The economy of South Africa ranks the second-largest in Africa, and there are several urban centres with large cities. South Africa has also been maintaining significant regional influences in international affairs. The wildlife, beautiful natural scene and golden beaches have attracted millions of travellers and thousands of expats.
Many people become expatriates in warm and sunny climates around the world. Almost everyone loves to enjoy the outdoors and with it sunny weather. In fact, sunshine is good for us and is often recommended as a great way to get your vitamin D, but there are risks of too much sun. Skin cancer growths with differing causes and varying degrees of malignancy. There are three common malignant skin cancers: basal cell carcinoma, squamous cell carcinoma, and melanoma. Each of these are named after the type of skin cell from which it arises.
Being the largest country in the world, and spanning eleven time zones, Russia is a sovereign state extending across the entirety of northern Asia and much of Eastern Europe. From Lake Baikal to the old imperial city of Irkutsk, Russia attracts an increasing number of tourists and expats. Anyone who is considering living in Russia should first examine the health system and what may be available for expats there. Most local nationals in Russia will seek medical care from a public run hospital or doctor via the domestic insurance system.
The health insurance industry in China has been developing rapidly over the past twenty years. The national standard of living and healthcare facilities have also been significantly improved. Due to its economic and social reforms, urban areas in China have experienced higher living standards and the population of expatriates in China also kept up with the changes.
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