Why is expat health insurance so important?

Many expats traveling worldwide do not realize that the cost of medical treatment overseas can be extremely expensive. Expat health insurance is a great solution not only to protect you and your family’s well being but also to avoid an impact on your finances. In this article, we will discuss why expat health insurance is important and how to acquire proper coverage.

Global Multiple Countries Coverage

Many international health insurance plans can cover expats in multiple countries. And the plans usually have many benefits and offer customization that can influence the premium you pay. This is very important for travelers and expatriates living and working overseas. As a foreign national, you and your family members are generally not covered for medical treatment abroad. No matter where you are, or you wish to travel elsewhere for medical treatment, most global medical plans will offer medical coverage all over the world either including or excluding the USA.

Financial Security 

In most of the countries around the world, expats are required to prepay the cost before receiving medical treatment, and some of the medical procedures can be extremely costly. With an adequate expat international health insurance plan, you will be protected from any short and long-term medical expenses including emergency evacuation and repatriation. It will help you avoid the financial risk of uninsured medical costs while living and working overseas. Besides, most of the insurance providers have developed trustworthy medical network centres and medical staff worldwide. This will be able to keep pace with you and your family as your medical needs change. If you wish to be able to seek medical treatment in the United States, you should get the USA coverage option, but this will increase your premium.

Flexible Plan Design

International health insurance is usually easy to adjust to challenges with a variety of individual and family health insurance needs such as life insurance, disability, and more. If you are an employer sending your employee overseas, an international group health benefits plan and insurance solutions will help retain talented employees. Please also read our blog post “The Benefits Of An International Group Insurance Plan.” 

Aid Workers, Missionaries and NGO Organizations

Whether you are traveling overseas for a short missionary assignment, volunteer position or a long-term aid worker assignment, it is vital that you obtain a global travel insurance or expat health plan that will adequately cover your stay overseas.

How To Acquire International Health Insurance 

Expat Financial offers several international health insurance plans for expatriates across much of the world. Our insurers will help provide you with peace of mind during your stay overseas. We are also able to source international health insurance for Non-Governmental Organizations around the world sending aid workers overseas.  The insurance companies that we work with also offer excellent service before and after you purchase your international health insurance plan – our firm can also assist as your independent advocate. If you have special 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. The Cigna Global Health Options plan is our most popular international health plan for expatriates.