Some people cannot afford typical long-term life insurance policies, but there is now an option to get expat health insurance in case you are financially incapable to get along-term plan. The perfect time to get this type of insurance is when you are planning to participate in a high risk activity in the coming months, since temporary health insurance can just cover you for a month to a year.

1. Is Getting Expat Health
Insurance Better?
www.iexpatriatehealthinsurance.com
Ready for your trip?

2. TABLE OF CONTENTS
Is Getting Temporary Health Insurance
Better?
3
Tips to Determine the Best
Short Term Health Insurance Policy
9

3. Is Getting Temporary Health
Insurance Better?

4. Some people cannot afford typical
long-term life insurance policies, but there is
now an option to get expat health insurance
in case you are financially incapable to get
along-term plan. The perfect time to get this
type of insurance is when you are planning to
participate in a high risk activity in the coming
months, since temporary health insurance can
just cover you for a month to a year. Anything
beyond that, you will need to get the proper
life insurance coverage .

5. Health insurance will help cover your
medical bills just in case something bad
happens to you. Think of it as protection for
the future.
Expat life insurance coverage and
policies will depend on you. Your insurance
agent will ask you for the specific coverage you
want and the duration for which you need cov-
erage. Determine your budget for your health
insurance and choose the most applicable cov-
erage to you. Your premiums will also be

6. dependent upon your choice of coverage. Ex-
pat health insurance is one measure of caution
you should take when you have decided to
leave the country for a period of time.
There are also options where you can
choose to pay in full or through monthly install-
ments. And with this type of insurance, you can
stop at anytime. If you are getting short on
cash and the insurance payments are
beginning to be a burden, you can easily stop
and resume the plan when you are ready.

7. Think of it as a trial insurance plan and see how
company works in your interest. During the
time you try out coverage, you can decide if an
expat life insurance policy is the most suitable
for your lifestyle.
So if you are hesitant to get a life or
health insurance plan that will be paid through-
out the years, you can try a short term plan in-
stead. Remember that health is very important
and we will never know what will happen in
the future. Do not risk your health thinking

8. Although times may be tight and you may think
it is your only choice to go without insurance,
there are short-term policies that may be very
affordable. Illness and accidents do occur; and
for that simple reason, it is always wise to
maintain some sort of health and life coverage.

9. Tips to Determine the Best Short
Term Health Insurance Policy

10. A short term health insurance often
costs you less than a regular insurance. Unlike
regular insurance policies, some companies
don’t even bother to check your current health
conditions. So, it can be difficult to determine
whether these policies are genuine. It is very
common to suspect an insurance company if
they offer to provide high coverage for a very
low cost. Hence, it is always important to check
with the state's department and find out
whether the insurance company is a genuine

11. company. Often a reliable insurance company
would have registered with a state.
If you are a person who has lost a job or if
you are individual looking to travel out of
country for a very short period, then you may
take advantage of the short term health policy.
These plans help you meet your medical costs
and emergency treatment costs for a short
period of time. If you are planning a trip away
from home for a short period of time,
expat health insurance may be the ideal

12. option to give you the coverage you need for
your days or weeks out of the country.
For the student who is studying abroad,
a special type of insurance policy is necessary.
The coverage that you have in your home
country will not stay in effect while you are
away. Therefore, investigate the types of poli-
cies that will best serve your needs as you
study away from home. If you are going on a
business trip, you can check with the employer
if they would pay for the travel insurance. If
you are a tourist visiting your relatives, you can

13. have your relatives sponsor your visit, which is
comparatively a cheaper way of buying short
term health insurance. However, before
jumping to this step, investigate different poli-
cies and gain an understanding of what
coverage you get for what price. Never assume
that travel insurance is too expensive or
unnecessary! If you are planning to carry valu-
able items with you, it is also important to buy
theft insurance along with your health
insurance.

14. Before you buy a health insurance from a
company, choose to read the coverage benefits
of the policy. Determine whether the company
is reliable by checking with a state department,
or simply by reading reviews from individuals
who have purchased insurance from this
company. It is important to know that what-
ever company insures you is known for prompt
response to claims.
Find the cost of the policy. Choose a policy
that has good coverage options within your

15. budget. If you are on a tour, find out whether
your policy covers activities like scuba diving,
sky diving and trekking. As an alternative, you
can also check with your credit card company if
they offer to provide any travel insurance poli-
cies. You can read the customer reviews of the
insurance company to determine its credibility.
You can choose the service of an insurance
company with good customer rating. You can
buy short term health insurance policies online
at discounted rates. When you know you are

16. covered as you travel, you can truly relax and
have fun.

17. For more information about
expat health insurance
and
expat life insurance,
please check out
www.iexpatriatehealthinsurance.com