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Will Your Expat Health Insurance Cover Your Vaccinations in South America

Will Your Expat Health Plan Cover Your Vaccinations in South America?

South America is a continent full of adventure and indigenous cultures, beaches and jungles, etc. It is a place that many tourists and expatriates would want to share it with. But what vaccinations do you need to travel or relocate to South America? Will your health insurance cover it? Be sure to read this article for a complete list of recommended travel vaccines and health insurance coverage about these vaccines.

Travel Vaccination Recommendations in South America

There are 12 independent countries and 3 dependent regions in South America. Due to the complexity of health risks in each country, tourist and expats should visit your doctor and develop a personalized vaccination plan before you leave. According to International Travel Vaccination Centre, it is recommended to ensure that your vaccinations are up to date before visiting South America. Common immunizations include Tetanus and Diphtheria, Whooping cough, Chickenpox, Hepatitis B, Polio, measles, mumps and rubella, Hepatitis A, Typhoid Fever, Rabies vaccination, and Yellow Fever. Please note that these vaccinations are subject to local outbreaks. Depending on your destination and activities, it is critical to consult official travel advisory sites such as the CDC Travel page.

travel vaccination

Does Your Health Insurance Pay for Travel Vaccinations?

Generally speaking, many health insurance plans do not cover the cost of travel vaccinations. If you are an expatriate and travel frequently, you may want to look into international health insurance plans that include travel vaccinations. In many countries where local medical facilities may not up to western standards, expatriates will want to use private health care. The cost of these private medical facilities is usually very expensive, especially in medical emergency situations. Without appropriate international health insurance plan, expatriates may be faced with large medical bills and putting finances at risk. A global medical plan will not only cover your medical bills internationally, but will also provide health monitoring costs include preventive health care and vaccinations. Expatriates living and working abroad will benefit from an international insurance plan with day-patient care and full hospital coverage, extensive cancer coverage, dental and vision care, international medical evacuation and repatriation.

international health insurance

 

Expat Financial offers independent advice, solutions and excellent service and support to clients around the world and we have extensive experience in sourcing medical cover for individual expats and expat employers worldwide. For expats who may have questions about international medical insurance plans we offer to individual expats or expatriate group insurance plans, please contact us. We look forward to hearing from you soon.

Health Insurance Worldwide

Top 3 Global Health Insurance Companies for Expats

Learn About the Top Three Global Health Insurance Providers for Individual Expatriates

In this blog article, you will learn about three excellent global health insurance providers that Expat Financial offers to expatriates. If you are about to move abroad or already living the expat life, you probably know that emergency and chronic medical conditions incurred while living overseas can be quite expensive and even bankrupt you and your family. You may be healthy now, but unfortunately, that can change in an instant. We work with expatriates around the world who often ask us which expat health insurance provider is the best. Any answer we may provide is going to be somewhat subjective as there is no perfect global health plan. All global health insurance plans and insurance companies have their strengths and weaknesses and this list is subjective, but in no particular order we have listed the top three international health insurance companies for expatriates:

1.  Cigna International

Cigna is a very large and capable global insurance company with offices and operations around the world. It has over 86 million customers in over 200 countries and near-unlimited resources for servicing their expat health clients. Cigna has a very large and capable medical network that expat healthcare clients can access once they are covered. Their service is excellent and our firm has been working with them for many years for both corporate and individual clients. The rates that they charge for their global health plan are quite competitive and you can obtain a quote for their Global Health Options Plan via our site at the same rates, service etc… but with our assistance and advocacy both before and after the underwriting process is complete.

The Cigna Global Health Options policy provides cover for inpatient, out-patient, day patient, mental health, cancer care and a lot more. Their policy comes in three main levels – Silver, Gold, and Platinum. Maternity is available after a 12 month waiting period for the Platinum and Gold levels. Evacuation, wellness care, and dental/vision insurance options are also available. The global health plan will cover you globally excluding the USA, but you can add the USA coverage option for an extra charge. You can’t spend more than 6 months in your country of citizenship and the plan offers you free choice of medical providers in your coverage zone.

The Cigna plan is ideal for expats who want health insurance from a very well known, capable and first-class insurance company. The policy is not the cheapest plan but is quite competitive for an expat who wants excellent coverage for his/her family. Also, there is no age limit as long as you are and remain an expat. You can obtain a quote and even apply online!

2. Allianz Worldwide Allianz Insurance

Allianz hs a very large and well known European based insurer that has been in business since 1890. They are a very capable insurer with an excellent global medical network that is ideal for expats who want a high-quality insurer that will stand behind what they offer via Expat Financial. Allianz offers three levels of care – Essential, Classic and Premier.

 

You can just be covered for hospital-related care or additional options such as out-patient care, dental & repatriation. Maternity care is available after a waiting period with the Premier plan. Like the plan above, you can easily obtain a quote via our website with the same great rates, service, and direct service along with having us as an advocate for the life of the policy. Some local nationals in select countries may be able to apply for this comprehensive global health plan.

 

3. International Medical Group

We have worked with IMG for many years and they offer a wide range of travel medical insurance and global health insurance plans. IMG is based in the USA  and their Global Medical Insurance plan offers you the choice of three plan options: Silver, Gold, and Platinum. Expats can also select two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. The plan is ideal for those looking for lower-cost options in global healthcare. Only the Platinum plan offers maternity care after their waiting period. The policy is very easy to quote and purchase online via our website.

The IMG plan offers expats a wide range of deductible levels with the freedom to choose your medical provider and a sizable medical network. The IMG plan is not ideal for expats over the age of 60 – senior expats should look at the Allianz or Cigna plans above.

Examine Your Global Health Requirements

We hope that the above list is helpful if you are in the market for an international health plan. Each policy has its advantages and disadvantages and it makes sense to contact us to discuss the coverage, your requirements and then we can either provide you a quote OR we can send you a quote link so you can examine the numerous options on your own. Purchasing healthcare when you live abroad is an important decision and it makes sense to work with a specialist firm and one of the top three global health insurance providers in the market. Please contact us to discuss your international health insurance needs today.

Mental Health

6 Tips For Maintaining Your Mental Health When Living Abroad

Six Tips For Expatriates on Maintaining Their Mental Health While Living Abroad

Packing your bags and flying off to a foreign country to start a new life can be quite stressful at times. Leaving all the homely comforts behind can often make you feel homesick. Adjusting to a new culture where the language is a major barrier can be very difficult for everyone who is living abroad. The anxiety and stress of relocating can take a huge toll on your mental health and overall well-being.

The pressure of adapting to a new lifestyle can be overwhelming. Life abroad can be burdened with too many issues and leaving them unresolved can lead to severe depression. An Aetna International report also suggests that there is a sharp rise in mental issues including depression among expats across the globe. It is important for expats to plan in advance and be well-prepared and assess your strengths and weaknesses before you decide to start afresh in a foreign land.

Here are 5 useful tips that will assist you in maintaining your mental health when you decide to move to an expat destination of your choice:

1. Find Balance between Work and Life

If you are moving to a new place because of a job assignment, you may end up spending a lot of time working on your projects. The limited social and family life can leave you burnt out. Meeting your employer’s expectations and constantly trying to prove yourself can leave your thoroughly drained both physically and mentally.

The added pressure of adapting to a new work environment can drive you nuts. The solution to this stressful issue is finding the perfect balance between work and life. No matter how busy you are in your professional life, you will have to find the necessary time to socialize or spend quality time with your family. Create a daily routine for yourself and allocate sufficient “for me” hours. You will gradually see a marked improvement in your mental health.

2. Give Yourself Sufficient Time To Adjust

Adapting to living overseas should be a gradual process. Don’t push yourself too much when you are in the process of adjusting to a new environment. Maneuvering around a completely new place will take some time. Things will be very different from what you were used to back home. Don’t be overwhelmed by the three Cs – culture surprise, culture stress, and culture shock. Residing abroad as an expat is not like enjoying a long vacation. It can be very taxing mentally as you endeavor to overcome various obstacles.

Mental Illness

3. Socialize and Build Strong Network

Once you reach your desired expat destination, it is important to embrace its culture and customs sooner than later. Get started by making new friends in your neighborhood or office. Connecting with fellow expats who have successfully adapted to an expatriate lifestyle will boost your confidence to face all the odds. They may even offer you the much-needed comfort and encouragement when you feel down and dusted emotionally. Join various social groups to build a strong network. Having people to talk to during your lonely days is vital for maintaining mental health. Familiar faces and voices can make you feel at home even in a faraway land.

4. Exercising May Help

It is commonly known that exercise can be helpful for your mental health both at home and abroad. It has been reported that regular exercise can have a profoundly positive impact on depression, anxiety, ADHD, and more. It can be difficult to find the time to exercise, but you will feel better if you do.

Moving Abroad

4. Set Realistic Goals

Set goals that are realistic because overpromising and under-delivering can be very stressful. Meeting your employer’s expectations may be your priority, but don’t overextend yourself to achieve unexpected goals. It is always better to approach tasks and responsibilities methodically and cautiously. Don’t expect to be totally settled when you live overseas – it will take time.

5. Avoid Drugs and Reduce Alcohol Consumption

Excessive alcohol intake is always dangerous. A few pints of beer may make you feel relaxed; however, regular alcohol consumption can harm the brain chemistry and lead to acute stress and anxiety. Too much drinking can lower the brain’s serotonin levels and aggravate the symptoms of depression. Similarly, recreational drugs can harm mental and physical health. If your psychiatrist has prescribed you medication to treat your mental condition, make sure you take them as directed.

Importance of International Health Insurance

You should opt for global health insurance before you pack your bags and leave for your dream expat destination. Your host country may not have adequate public healthcare facilities and in such a situation, your insurance policy can come to your rescue. Purchasing global health insurance may help you pay for any new mental issues that mar arise during your overseas stay. Note that if you have a mental condition before you purchase your insurance, the insurer may exclude the condition or one could be declined. Most employer-based group expat health plans will cover pre-existing conditions, including mental healthcare. Also, some plans out there exclude or limit mental health treatments. In the end, try to keep yourself secure and live the expat life you have always dreamt of!

Expat Tokyo - Why you need international health insurance?

6 Reasons Why You Should Relocate Overseas

Six Reasons Why You Should Move Abroad

The traveling bug seems to have taken the world by storm. One can also call it the “expatriation bug” as people are moving abroad in increasing numbers. While there are people who are investing their time to explore new pastures for the sake of adventure and fun, there are many who are actually looking to turn it into a way of life. In fact, the idea of departing from an old and mundane lifestyle to a new beginning seems extremely inviting.

Though the very thought of beginning from scratch might appear to be intimidating initially – if you have put your mind to it, you will soon realize the amazing benefits of relocating to a foreign location of your choice. Listed below are some of the wonderful advantages of moving overseas in 2019, six to be precise:

1. Opportunity To Explore New Culture:

Moving abroad allows you to step out of your comfort zone and embark on a new journey wherein you get to explore a new country and its culture, people, food, and language that is completely alien to yours. Besides some new and stimulating experiences, you learn to set up things for yourself independently such as doing the daily chores, making a living etc. while grappling with new challenges. This gives a strong boost to your confidence, which is extremely important to settle down in a new country.

2. Better Employment Opportunities:

Though the aspects of an expat life might appear to be difficult, yet, there are several facets that make this endeavour extremely rewarding. One of the most significant reasons why moving abroad is catching up amongst people, especially millennials are promising employment opportunities. Countries such as Canada provide a perfect destination to people looking to begin a new professional journey that is extremely fruitful and rewarding.

Tokyo City

3. Strengthening of Your CV:

Working abroad will help you develop new skills that are significant to sustain oneself in a competitive job market. The skills and expertise gained abroad can make your CV look impressive and provide you with an upper hand vis-a-vis your counterparts. Who knows your prospective employer may be simply impressed by your newly formed qualities. It has been documented that taking an overseas work assignment can really benefit your career long term.

4. Better Lifestyle:

Often, folks consider relocating overseas with a vision of starting life afresh. By getting access to new opportunities, they intend to have a luxurious lifestyle, which they might have been yearning for in their home country. Countries such as the UK, Canada etc… with their advanced infrastructure, a strong economy, and low tax rates are extremely alluring for people willing to relocate.

Tokyo Airport

5. Broadened Outlook Toward Life:

Once you migrate to a new place, you tend to broaden your horizons by stepping out of the dependable comfort zone that you relied on earlier. As you meet new people, explore a new culture, taste new food, and above all travel around, you will be able to form new attributes that will broaden your outlook toward life.

6. Appreciation for Yourself:

Living in a foreign location provides you with several opportunities for self-actualization. You will learn to understand certain traits about yourself, which you were probably unaware of earlier. While some of these might leave you introspecting and improvising, some may make you adore yourself more than ever before. After all, the most important relationship a person has in their life is with themselves.

Yet wait, another reason to move abroad is to potentially earn more money. It has been reported recently that you can earn more money if you move abroad as companies employing expats often pay a salary that is higher. Multinationals often provide better benefit plans and superior global insurance coverage. You may even benefit by paying fewer taxes while living abroad.

The aforementioned reasons are just the tip of a massive iceberg, and there are many others that can fuel your zest to resettle on distant shores. However, if you are keen to write a new success story, just take the leap of faith to realize some of the most promising benefits. We would be remiss if we did not mention the importance of obtaining global health insurance coverage before you move abroad, but it is possible to get global healthcare if you are already living abroad.

Couple Abroad

6 Challenges for Expatriates Living Abroad

 Six Challenges for Expatriates Living Abroad

Living on foreign soil with unknown faces around may pose many challenges to an expat, especially those who have left behind the luxury of family support and a convenient lifestyle. No matter how mentally strong you are, the challenges that you face while living abroad can make life difficult. Everyone thinks that you won’t get at least some “culture shock”, but it happens to everyone.

If you cope with the issues with utmost determination and will, living overseas can be an enjoyable experience that you can cherish forever. Here are the top 6 challenges that you may face during your overseas stay:

1. Inadequate Personal Support

Leaving behind friends and family for greener pastures can turn out to be a curse. If you are moving abroad, you need to take the initiative of sharing news, being in touch, and asking your loved ones for mental support. In today’s fast-paced world, even social networking can’t replace one-on-one interactions with people who really matter. Despite the distance, messenger services like Viber, WhatsApp, and Skype can be used to enjoy some face-to-face time with those who you really care for. Check out our Social page for more info.

2. Worries About Future Finances

Tensions regarding future finances can dampen your mood and desire to settle in a foreign land. Before you decide to start an expat life, it is important that you plan your future finances well in advance. Keeping yourself secure through adequate bank balance will assist you in living a stress-free expat life. If you are still unprepared, it would be better to revisit your plan and make the move when you have sufficient resources for those rainy days. Anxieties about future finances will lead you nowhere. If you are an expat, make sure you adequate life and disability insurance coverage.

3. Building Relationships Can be Difficult

It is a reality that living abroad without a partner can be difficult for various reasons. Being single, you may have the freedom to do whatever you desire, but you are bound to feel lonely at some point in time. We all need someone with whom we can share our deepest feelings. If you are a career woman or man who is very new to a city or country, finding the right person to build a lasting relationship may not be easy. You will have to play the waiting game and see if you are lucky enough to find the love of your life.

4. Adjusting to Different Business Cultures Difficult

As an expat, don’t expect local businesses to adjust with your style of working. For an expatriate, understanding and learning a new business culture can be quite challenging. It is always better to be flexible and have an open mind. Instead of being judgmental, learn to make decisions that are appropriate and work best for your business. Ask the people within your network to assist you in setting up your business in a particular location. And don’t be shy to ask for references or introductions.

5. Making New Friends Abroad Can be Difficult

For any expatriate, making friends is unfortunately not easy. Expats usually lament the fact that people move to expat destinations for two or three years and then leave. So, the friendships built during these years come to a halt when they depart. This is the reason why many expats don’t even think of making new friends as they would eventually leave. Don’t get down, you will meet people if you join a club, association, religious organization or socialize with your new co-workers.

6. Language Barriers Can Make Expat Difficult

If you are moving to a place where English is not widely used, communicating with natives can be a big issue. So, learning the common language of that particular location before you leave will definitely help. There are many language learning tools online to help you out if you are not too keen about hiring a language tutor. Remember that culture shock is temporary. With time, everything will become normal for you.

Being an expat has its advantages as well as disadvantages. There is no doubt that it can be very stressful for new expats. However, don’t let anxiety and stress overwhelm you. Being mentally prepared to face various challenges at the outset will help you overcome these woes with a cool head. A positive attitude is vital for enjoying every moment as an expat. If you take the right steps, your stint as an expatriate may turn out to be very fruitful too.

Importance of International Health Insurance

Before you pack your bag and baggage for expat life, having an international health insurance policy is paramount. Being prepared for the unexpected in terms of health and well-being will help you stay relaxed and secure. Grab one of the global health plans offered by Expat Financial and lead a tension-free expat life in your chosen destination. It is not difficult to get a quote and apply online.

Challenges faced by expats

5 Common Challenges Faced by Expats

Challenges that expats often encounter while living abroad – Five Plus One.

Moving abroad is often an overwhelming experience for any expatriate. The act of moving to a country that is unfamiliar to your own, a limited social network, and new cultures and languages can often feel burdensome on many people. As an expat moving abroad, there are surely going to be some challenges and obstacles when it comes to the relocation process, as well as the adjustment period once relocated. Many people will react to the stress in different ways as challenges will vary depending on location, cultures, languages, personal mannerisms and general customs of the country. However, there are a few common challenges that most expatriates encounter when relocating. We have put together a list of the 5 most common challenges faced by expats in order to aid in your settlement into your new country and allowing you to enjoy this adventure to the best ability possible. Note that the challenges below are in no particular order of importance.

Challenge #1: Fitting in

As an expatriate moving abroad, there is a big chance that you are leaving a large social & professional network back home. This can have a huge effect on someone, especially if you are someone that places a high significance on these relationships. Don’t fear, you are definitely not the first, nor the last expatriate to have the fear of not fitting in properly in your new city.

Challenge #2: A language barrier

If you are moving to a country that has an entirely different language than your own, the process of getting accustomed to your city and the locals may seem daunting. This is something that is ultimately unavoidable if you don’t know the local language beforehand. Read all about our advice on learning a new language while living abroad in order to facilitate the process, and jump-start the learning curve for your new life abroad! We do recommend trying to learn a rudimentary level of the foreign language before you take off, as it will facilitate the entire process of moving overseas!

Challenge #3: Being lonely

Don’t let the fear or the potential of being lonely prevent you from embarking on a new adventure and impede your decision to become an expatriate in a foreign country. It is extremely common for a new expat to feel lonely when they first move abroad. A key point to target when you relocate to a foreign country is to build strong relationships with the people around you. This will surely take some time, but it is important to try your best to form some bonds with the people and the city in which you now call home.

Challenge #4: Finances & money management

Organizing your finances, taxes and money management can be extremely difficult when you are living in your home country but adding overseas travel and living abroad to the mix, and things get very complicated. As an expatriate, you will have to decide if you will become a non-resident for tax purposes by talking to an expat tax expert – do not try to do it on your own. We have a list of some great expat tax advisors at our Links page. You will also have to advise your bank that you will be living abroad and probably have to set up new banking in your new home country. Most countries will want to see your visa documents and also some proof that you will be living there. It may be useful to keep your bank account back home as well. Having a bank account in your new host country in the local currency will still be invaluable and probably save you on foreign exchange. You may also have to move your investment account as well, so talk to your investment advisor and tax accountant to see what solution works best.

Challenge #5: Healthcare 

Making sure you have proper global health insurance while living abroad is one of the biggest concerns that many expatriates worry about when it comes to relocation. Local plans in your new host country may not be up to your standards and may only provide basic coverage and access to local hospitals. Most expats want to have access to private healthcare both in the host country, regionally and also for treatment back home. Having an international health insurance plan in place before leaving abroad will alleviate stress with finances, ability to obtain medical help and peace of mind for the duration of your relocation. Contact us today to discuss all your international insurance needs!

Challenge #6: Safety 

Yes, I know we said only 5 challenges, but we really needed to add expat safety to the article. As discussed in our expat safety page, personal safety is a very high priority for individual expats and expatriate employers and global mobility managers. While the world is safer now than it has been in the past, today’s security concerns and challenges range from terrorism, bombings, assaults, thefts and much more. It is vital that expats prepare for the worst when moving abroad and check out the local security in their new home country through both free and even paid information sources. Even expat destinations in first world countries can be fraught with danger – such as the terrorist attacks in Europe and mass shootings experienced in the USA. Expat safety should definitely be your priority if you are moving abroad or already living the expat life.

healthiest countries

The top 10 healthiest countries to be an expat

A guide to the top 10 healthiest countries to be an Expat

Countries all over the world offer a variety of appealing aspects that may drive expats to relocate there. In recent studies, 6 of the top 10 most healthy countries in the world to live in are situated in Europe. Factors that were considered for the study were life expectancy rates, tobacco use and obesity rates.  Note that any list is somewhat arbitrary and subjective, but here are the top 10 healthiest countries to be an expat for 2019 are the following (in no particular order):

1. Iceland

Iceland has been regarded as one of the healthiest places to live (outside of Europe) for multiple reasons. The population of Iceland live off of a farm-to-table philosophy, meaning they believe in eating foods that are naturally abundant and fresh. They also have phenomenal governmental policies that regulate industrial pollution and encourages businesses to use clean, renewable and sustainable energy sources that aid in the well-being of the countries health standards. The local population has also said that they believe that “Water therapy” is a reason that contributes to their happiness and health. Water therapy is when you sit in the waters on the natural hot springs found all over Iceland, and allow yourself to relax in the volcanically warmed waters. Another very important reason as to why Iceland had made it to the list is their gender equality policies. Iceland was the first country to fully remove the gender gap pay and is a leading country for all gender inequalities for the world.

2. Switzerland

Switzerland has long been known to be one of the happiest and healthiest countries in the world. The way of life encourages a healthy diet and an active lifestyle. One of the reasons Switzerland is famous for is investing in its population. Government spending is budgeted for high standards of education, excellent health care and for innovations for the country. A well-balanced lifestyle has allows the people of Switzerland to be one of the countries with the lowest level of depression in the world.

Switzerland

3. Spain

Why put Spain on the top 10 healthiest countries list? Spain has one of the highest life expectancy rates, and it continues to increase as the years go on. Environmental factors, such as access to clean water and sanitation, a Mediterranean diet, minimal use of tobacco, and low obesity rates are just a few other reasons why Spain continues to be a desirable and healthy country to live in. Spain is also known for its close and important familial ties and bonds that are ingrained into the local population. This, of course, isn’t the main reason why Spain tends to flourish, but it definitely is an important factor.

4. Norway

Norway has also been placed on the top 10 healthiest countries to live in. In a traditional Scandinavian way of life, Norway places a high value on a well balanced, active and healthy lifestyle. Another key point that drives Norway to the top of the list is shorter working hours, where employees are almost never required to work past 4 p.m., as well as a cultural environment that minimally encourages the drinking of alcoholic beverages.

5. Italy

The importance of leisurely dining and a well-balanced diet is extremely common in Italian culture. As the Italians say, always chose quality over quantity. It is common for Italians to source their food, oils and spices from local and non-commercialized sources. Their focus on a Mediterranean diet, which emphasizes local fruits, vegetables, oils, and fish, is also sourced as a core reason as to why Italy has continuously made it to the list.

Italy

6. Sweden

A second Scandinavian country to top the list of the healthiest 10 countries to live as an expat is Sweden. Known for a lifestyle of moderations (food & alcohol), Sweden is famous for living under the philosophy of “Lagom”, which indirectly translates to English as “not too little, not too much, just the right amount”. This allows the population of Sweden to live a casual lifestyle, eat in variation and walk everywhere.

7. Israel

The Israelian population flourishes in a culture that promotes a vibrant lifestyle, spirituality and a positive healing environment. They focus on an extremely healthy, fresh and delicious diet that promotes the well being of the nation. Their healthy eating habits and lifestyle is one of the main reasons why Israel is one of the leading countries for life expectancy rates in the world. The emphasis on family and family values are also leading causes for the countries health prosperity.

8. Japan

The first of two Asian countries to be recognized as one of the healthiest countries to live in in 2019 is Japan. One of the main reasons Japan is highly regarded for its health standards is due to their diets and lifestyle. Japan has one of the highest life expectancies in the world, which is due partly to its green landscapes, its family values, and its well-balanced eating habits.

Japan

9. Singapore

The second of two Asian countries that have made it to the top 10 healthiest countries to be an expat in 2019 is Singapore. Leading with one of the highest life expectancy rates in the world, Singapore has continuously considered as being one of the most sought out countries to live in as an expatriate. Singapore is well known for being extremely safe and has some of the best food in the world.

10. Australia

Known for the Gold Coast and beautiful sandy beaches, Australia has continuously been placed on the list for the healthiest countries to live in as an expat. Complete with a sport and outdoor culture, Austalia is one of the most active and adventure seeking countries in the world. While some may indulge in a bit too many Fosters and shrimp on the BBQ, this outback country is an excellent expat destination. The country is well known for it’s laid back lifestyle – the Australian population is known for being mostly healthy and happy!

 

Although these countries are listed as being the top 10 healthiest countries to live for an expat, it is still crucial that you obtain international health insurance if you are planning on pursuing an international relocation. Staying healthy is not easy, but everyone gets sick or has an injury at some point in their lives – that is why it is critical for you to prepare for the worst by obtaining global health coverage that will be there when you need it!

Contact us today at info@tfgglobal.com to discuss your international insurance needs and requirements.

Thailand

Thai Expat Guide to Eating and Living Healthy

A Short Guide to Living and Eating in Thailand for Expats

People need to be independent in order to succeed when living outside of their home countries. If an expat gets ill, they may have to rely on themselves to get by when trying to recover from the medical conditions.  As such, expats need to be extra careful when caring for their health. We have created a Thai expat guide to eating and living healthy for expatriates overseas. One of the ways expats can care for their health is by ensuring that they eat healthily and lead healthy lifestyles. The list of tips to eating healthy and living healthy lifestyles for expats is extensive. Below, though, are just some of the tips expats may refer to in eating healthy and living healthy lifestyles if they are based in Thailand:

1. Monitor all caloric intakes, even the small ones 

Oftentimes, intakes of small doses of calories are the ones that add up quicker than the intake of larger doses of calories. Expats need to ensure that they only seldom eat fast foods. Eating small doses of junk foods often adds up to more than the large doses of calories taken by larger meals, without expats realizing of its effects. It’s important to also remember caloric intakes from beverages. Often these are forgotten about, but they have the potential to add up quickly in someone’s diet.

2. Host healthy physical activities with fellow expats & other colleagues

Expats can surely benefit from weekly group physical activities with fellow expats and other colleagues, examples of these activities are yoga, aerobics, and so on. Expats may initiate hosting these activities in gyms or local community centers. Once organized, expats can invite larger groups of colleagues to participate in order to create a healthy and social activity for everyone.

Physical Activity

3. Participate in other travel programs that employers may offer

While working in Thailand, Expats do not need to confine themselves to Thailand for the duration of their stay. If other opportunities to travel for work come their way, it is encouraged for expats to explore surrounding countries. Seizing the opportunities to travel to Singapore, Malaysia, or Hong Kong for work shall prevent Thai expats to have idle physical activities only. Expats will have opportunities to move out and about, and thus, be more physically active, while travelling extensively.

4. Continue eating a consistent healthy diet

It is always better for expats to continue eating in a healthy manner, ideally in the way they have always previously been accustomed to. Expats need to be resourceful in finding proper stores in Thailand that sell the healthy foods which they previously ate back in their home countries. Expats will need to invest efforts and patience in order to succeed in locating these stores in Thailand. Down the road, though, expats shall realize that the efforts they invested in doing this are well worth it in the long run.

Healthy Fruits

Our informal Thai expat guide to eating and living healthy is a rudimental approach for staying healthy while living abroad. Expats currently need not settle with the ways they are living their lives and eating the foods they love to eat. They need to always be open to any alterations which they may need to apply to their lives in order to eat and live healthy lives. Thailand offers excellent food choices for expatriates and locals alike. Don’t be afraid to indulge in local food chocies. In the long run, expats are the only people who may benefit from these choices themselves, and once they reap the fruits of eating and living healthy lifestyles.

For extra protection, ensure that you have an international health plan in place that will provide you with extra security in case you fall ill. Knowing that you have proper medical care will allow you to live a more comfortable and stress-free life. For your international health care needs, contact Expat Financial to discuss all your personal needs today!

USA Flag

Health Insurance for Canadians in the USA

Health Insurance Options for Canadian Expats in the USA

Our company is contacted almost every day by Canadians living in the USA or about to live in the United States who are not eligible for local healthcare. More often than not, it is the parent of a student living in the USA who is calling us to find a high-quality expat health plan for their Canadian son or daughter. They all know the cost of medical care in the USA is extremely expensive – some expenses can easily reach into the hundreds of thousands. For example, here are some sample medical conditions and the expected claims costs in USD:

  • Pancreatic Cancer – $100K to $150K
  • Valve Repair – $60K
  • Complicated Pregnancy: Hundreds of thousands
  • MS – $80K
  • ICU Stay – Such a claim could be huge depending on the condition and length of stay.

Health Insurance

That is why it makes sense for Canadians in the USA to purchase a global health plan if they are not eligible for local coverage by themselves or through an employer. If a Canadian is maintaining provincial coverage and will be spending a few months in the USA, then most will obtain emergency only travel medical insurance coverage from one of our Canadian suppliers such as Tugo. However, if the Canadian is becoming an expatriate in the USA by spending a lot of time living, retiring or working in the USA and most likely losing their provincial medical coverage, an international health plan for the USA is vital.

Most Canadians are not aware of the true cost of their provincial medical plan because they pay little or nothing towards it as the costs are all paid by general tax revenue. We have all heard the stories of how expensive medical care is in the USA, especially in the news where someone forgets to purchase travel medical insurance when traveling abroad. If you are a Canadian expat in the USA and not eligible for local plans, then you will have to purchase an international health plan. Note that when you apply, there will be some medical questions and you may or may not be approved or there may be an exclusion. Also remember that individual expat health plans are not HIPAA, COBRA or PPACA compliant.

Most global health plans for expats in the USA will offer in-patient care with options to add wellness, out-patient medical and evacuation insurance. Dental and visioncare is also available. Some will choose a large deductible, but this is a personal choice. Most Americans are used to having very large deductibles and co-insurance while the Canucks are not.

For more information, give us a call or email today as we are very experienced in covering expats around the world. The best plan we can offer expats in the USA is the Cigna Global Health Options plan. You can even get a quote and apply online. Another potential option is the GeoBlue plan.

 

Thailand Temple

Thailand to mandate health insurance for expats

It has been recently reported that the Thai government is in the process of mandating mandatory medical health insurance for expatriates living in Thailand. The requirement is targeted for expatriates that are living in Thailand on a one-year non-immigrant visa, with an emphasis on those living in Thailand over the age of 60.

Over the past years, it has become increasingly difficult for those living in Thailand over the age of 60 to procure health insurance. There are very few local insurance companies that will cover those in this older demographic, and those few companies that will cover those 60 years and older are demonstrating predominantly expensive premium rates. There are even some foreign plans that will place limits on your global health coverage after age 65 or terminate coverage at age 70. The best plan for older expats that our firm has found is the Cigna Global Health Options plan we offer online to expatriates of any age – expats even in their 80s and 90s can get a quote online.

The proposed Thai legislation will require expatriates to be covered for the minimum amount of 400,000 ฿ (~ $12,570 USD) of in-patient coverage, and 40,000 ฿ (~ $1,270 USD) for out-patient care. Expatriates that are currently living overseas and meet the minimum required amount of coverage will be exempt from obtaining these Thai insurance policies.

These mandates have been derived with several government bodies in Thailand’s government. The process for finalizing these policies are currently in the stages of cabinet approval and is designed to aid and ensure the health protection for long-stay visa holders currently, or soon to be living in Thailand. It is important that expats monitor developments on this policy and make sure that they have adequate health coverage that will meet or exceed the requirements.

Thailand is a beautiful country and a very popular destination for expatriates from around the world. Medical care can be quite expensive and it is vital that you obtain a comprehensive global health policy for Thailand that will cover you both locally, regionally and globally. This is because you may move to another country or region and you don’t want to re-apply for medical coverage, especially if you develop a pre-existing or chronic condition.

Make sure you are fully prepared and covered before making your move abroad. At Expat financial, we can offer plans designed for your specific needs while living in Thailand that will exceed the requirements set up by most local governments at excellent prices and form large and respected providers. Click here to receive a quote, or contact us at info@tfgglobal.com