Expat health insurance: Tips to choose the best one


  • The most common reason of expiating to a different country is work.
  • While relocating to a new country, the most important thing is to secure all of the aspects of the new life. Therefore deciding an healthcare insurance plan is an important and critical decision that should be made.
  • It’s important to research, compare, and consider the costs of different plans.
  • Along with this, some tips to be considered are –
    • If the employer is providing the insurance coverage.
    • To understand that which insurance coverage will best suits the need
    • To ensure if insurance plan can be tailored based on needs and make sure there are no gaps
    • To understand about country-specific factors

An expat is a person residing in a country other than their native country. There are many reasons why people become expatriates. The most common one is for work. As per a US survey report, when it comes to working abroad, this may not be as lucrative for US American expats as one would like: 44% state that their income is lower in their host country than it would be in a comparable position in the US. And as we all know that while taking the plunge to move to a new country, it’s important to secure all of the aspects of the new life, particularly when it comes to organizing the expat health insurance.

So, while deciding on healthcare insurance, there are some key considerations, which should be taken into account, so as to ensure seamless access to healthcare facilities abroad. Organizing healthcare in a new country requires several steps: finding and registering with a doctor, locating the nearest hospital, emergency numbers and ambulance services, and checking what medical insurance permits access to healthcare services. So the first tip is to ensure if the employer is providing the insurance coverage.

The second tip is to understand that which insurance coverage will best suits the need: local, private, or expat insurance? An expat needs to make sure to choose an health insurance plan which can be customized as per the needs and ensure that there are no gaps in the health insurance coverage. One of the most important tip is to understand about country-specific factors, as healthcare access can be quite different to what its used to be in host country. It’s important to research, compare, and consider the costs also.