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 today’s world, expatriates are placing more attention on supporting family life and children’s educational environment overseas. In this article, we will discuss expat parenting abroad.

Know The Difference in Being An Expat Parent 

There are many differences between being an expat parent compared to parenting at home country, and one of the most apparent aspects 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 to network with local co-workers. For the non-working parents, try to connect with local expat groups and expat websites 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 provide excellent service before and after you purchase your international health insurance plan. If you have questions about our international medical insurance plans or if 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 also help you maintain the health of you and your family.

Risk profile

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 the Taliban attacked some “adventure tourists.” In general, people are travelling 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 travelling to a high-risk country, it makes 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 travelling 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 also 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.