Posts

How to Become A Digital Nomad Abroad

Learn How You Can Become a Digital Nomad as an Expat Abroad

For a number of reasons, people become “expatriates” (that is, people who live outside their native country), and this process of becoming an expat happens in many ways./

One of the most recent and popular ways to become an expat has materialized through a number of technological innovations, and that is to become an expat as a “digital nomad.”

What is a digital nomad?

This is a term used for a person who is “location independent,” and relies on technology to perform his or her job. The great thing about being a digital nomad is you can work virtually anywhere, allowing you to move easily between countries and regions.

How exactly do you begin to become a digital nomad?

It seems to be an appealing life, one where you can travel and work simultaneously. Imagine sitting on a beach somewhere in Thailand working on your laptop (while also working on your tan!) The thing that digital nomads have in common is that they usually spend months in a year traveling while working online. But it takes a lot of hard work to reach a point where you can both work and travel.

As a recent movement that works for many, it can be rewarding. but there’s usually some confusion about how to live this lifestyle.

We’ve put together five core things you need to do if you’re interested in becoming a digital nomad. There’s a lot of hard work involved, but these five steps will help to set you up for success.

1. Be creative.

There isn’t one blueprint that everyone can follow in order to get the digitally savvy life of independence that so many (particularly the millennial population) dream of. Everyone arrives at the digital nomad lifestyle through a unique path.

In order to find out which route to go, figuratively and literally as well as digitally, to become a digital nomad, you have to figure out where your strengths lie and come up with a creative way to make that work for you.

Are you good at graphic design? Blogging? Photography? Are you good at creating communities online through your relationship-building or networking skills? Let that work to your advantage and help leverage you on your way to becoming a digital nomad.

2. Join a digital nomad community.

There are tons of people who are doing this and have been in the same situation as you before – figuring out where to begin and how to start travelling while working online. Find these people and learn from them. Use them as resources and as peers who are like-minded. They have a wealth of information on how to start reducing your ties to your current location, where to find new homes for cheap, how to find a creative way to earn money online to fund your travels, etc.

3. Decide on how you’re going to earn money.

You need money to travel. Start by freelancing through your graphic design, photography, or blogging skills, or work or study abroad. These are ways to start traveling and get you on the path to becoming a digital nomad. While studying and working abroad is less risky than trying to earn your way by being a freelancer, it’s not as easy to be location-independent. It may take you longer. So weigh the pros and cons. Generally, it makes sense to secure your contracts or employment before you leave from a company that is accepting of your digital nomad existence while living abroad.

4. Figure out how you want to live.

If you’re interested in having solitude and quiet, and wish to retreat somewhere, go for it! Or if you’re a social butterfly and need to be around people to thrive, then go for that. But make sure you know what you want.

Have a look at our country and city guides to get more of an overview of regions in the world that Expat Financial provides medical coverage for.

5. Research.

This includes researching where to live, the currency, and the culture of your destination (for some areas that are more conservative, you want to dress appropriately). It makes sense to make sure you are living in an area that is safe and secure, has excellent internet coverage and speed, inexpensive housing and for some a great climate and interesting culture.

6. Get international medical coverage BEFORE you become a digital nomad

International health insurance coverage is essential for anybody becoming an expat, no matter where they’re going or for how long. If you are a digital nomad, there is a good chance your employer will not provide health coverage for you or will ask you to obtain your own. In fact, most digital nomads are self-employed or working on a consulting basis, so you most likely need to obtain adequate global health coverage to cover unexpected medical expenses, evacuation, dental and more. Digital nomads can easily obtain a quote for excellent international medical insurance from our insurance partners. Our most popular global medical policy for digital nomads is the Cigna Global Health Options plan. It is vital that digital nomads obtain a high-quality plan and also discuss their needs with us if required.

Expat Financial provides international health, life, disability and travel insurance to expats (for both those who are interested in going abroad and those who are already living abroad). Contact us today to get have your questions answered and obtain a quote online.

 

 

The impact of global disease outbreaks on expats and tips on prevention

With people travelling from all over the world and relocating overseas, expatriates should take extra precautions when it comes to health and safety. In the last few years, public health experts were on high alert due to the rapid spread of diseases such as the Zika virus, Dengue fever, SARS, Ebola virus, plague and more. In this article, we will discuss several pandemic disease threats and tips for expatriates to protect themselves from those diseases while working and living overseas.

Should Expatriates Worry About Disease Outbreaks? 

It is difficult to give a definitive answer to an expatriate’s chances of getting a disease if relocating to a region that has reported a disease outbreak. However, if there are a lot of people that have already been infected, then expatriates should pay close attention if visiting a specific area or region. One should note that diseases can travel vast distances because of increased global travel and mobility – it just takes a plane ride of an infected person to bring an outbreak to a new location.

According to the Public Health Watch Report, cholera, yellow fever and the Middle East Respiratory Syndrome Coronavirus (MERS-CoV) are the potential health threat given the recent pandemic report in Asia and sub-Saharan Africa. There have also been reports of plague disease in Madagascar, where over 20 lives have recently been lost.

Five Disease Outbreaks that Put Expats at Risk

Cholera is an infectious disease that causes severe diarrhea, dehydration, and even death if untreated. Cholera is caused by a bacterium called Vibrio Cholerae in contaminated food and water. It is a severe medical problem in many parts of the world. According to the latest report on Africa News, World Health Organization (WHO) has declared Cholera outbreak in the Democratic Republic of Congo (DRC), claiming that 17,000 treated in DRC.

Yellow fever was declared an outbreak in Angola, the Democratic Republic of the Congo and Uganda between 2016 and 2017, according to WHO. The bite of infected mosquitoes transmitted it. The outbreak caused 962 confirmed cases across the three countries. Yellow fever is a disease with symptoms of fever, jaundice, muscle pain, vomiting, headache and nausea. Large outbreaks of yellow fever occur within heavily populated areas, with high mosquito density but lack of vaccination. Infected mosquitoes can transmit the virus from person to person.

Zika Virus has become a fairly widespread disease that has caused great concern for expatriates and locals alike. While Zika is not a new disease (it was earlier found in Africa in the 1950s) the disease that is spread by mosquitoes has spread to many regions around the world, including South America, Asia and even in the USA. In most cases those infected will not show any symptoms, but some can experience paralysis, or in pregnant women, it may cause birth defects in their children. There is no vaccine at this time along with no effective treatment.

Pneumonic Plague was recently declared as an outbreak in Madagascar. The Plague is a highly infectious disease caused by the Yersinia pestis bacteria and is often found in the fleas of small mammals.  People can be infected by the flea bites or direct contact with infected persons or inhalation.

Middle East Respiratory Syndrome Coronavirus (MERS-CoV) infection ranges from no symptoms to severe respiratory disease and death. According to WHO, the outbreaks have occurred in several countries including Saudi Arabia, United Arab Emirates, and the Republic of Korea. And no vaccine or specific treatment is currently available for MERS-CoV. It has been reported that MERS is caused by Coronaviruses, which is a large family of viruses that can cause Severe Acute Respiratory Syndrome (SARS). The typical MERS symptoms include a cough, fever, and shortness of breath. The virus can pass from person to person through close contact.

Disease Outbreak Prevention Tips for Expatriates Living Abroad 

  • As a general precaution, expatriates visiting markets, farms, jungles, or other rural regions with animals are present should practice high caution with hygiene, including hand washing before and after contacting animals, especially sick animals.
  • Avoid consuming raw or undercooked animal products or products in developing countries, including unpasteurized milk or vegetables.
  • Based on infected cases reported, some people are considered to be at high risk of disease infection. Consult your doctor about your medical history before relocating abroad.
  • For diseases that haven’t been determined response priorities by health authorities, expatriates should maintain a high level of vigilance.
  • Avoid crowded areas if there is a disease outbreak.
  • Avoid direct contact with animals and wildlife, especially in regions where outbreaks often occur.
  • Do some research on the potential health risks in your destination country’s travel advisory page and obtain required vaccinations before departure – there’s a wealth of information from the CDC and WHO.

To ensure you and your family are protected from costly medical bills outside the home country, it is strongly recommended to obtain international medical insurance. Most medical insurance plans will include coverage for sicknesses caused by most disease outbreaks. It will be important to make sure your global medical plan includes medical evacuation coverage and will cover you for treatment outside your country of residence.

Bring International Health Insurance with You

If you fear that you may have been exposed to an infection or virus no matter how many precautions you have taken, consult with a medical doctor as soon as possible; only your medical provider can provide definitive medical advice and treatment. Expat Financial offers several different international health insurance plans for expatriates. 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 you want to discuss your needs and produce a customized quote, please contact us or complete the quote form.