2. Source: www.expatfocus.com 1
Health insurance cover
“According to a recent survey, three
out of four expats do not buy health
insurance cover before leaving home.
Most wait until they've arrived in
their new country before sourcing
healthcare provision. With so many
excellent expat healthcare providers
available, sourcing quality healthcare
coverage is a straightforward
process.”
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3. Source: www.expatfocus.com 2
Familiarise yourself
“The first tip is to become familiar
with the new country’s healthcare
coverage and what an expat may be
eligible for. Some expats may be
eligible for state funded healthcare
provision. Also EU citizens can use
their EHIC within the borders of the
EU. For expats heading to the US, their
employer is required by law to cover
their basic healthcare costs.”
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4. Source: www.expatfocus.com 3
Finding the right policy
“An expat's choice of health
insurance policy will depend on
their own requirements. A young
expat who is a non-smoker and
without any history of chronic
health problems will find cheaper
health insurance coverage than
an older expat.”
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5. Source: www.expatfocus.com 4
Pregnancy
“Expats may need to provide
cover for pregnancy or a new-
born, and if they have children
already then dental and
specialised care needs may
have to be catered for.”
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6. Source: www.expatfocus.com 5
Travel insurance
“Travel insurance is typically
designed to cover emergency
medical treatment only, as well
as repatriation and costs for injury
or sickness while overseas. That's
mainly as a tourist and not as
someone who is living and
working in the country. ”
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7. Source: www.expatfocus.com 6
Local provision
“By opting to use a local healthcare
plan, the expat will save money
because it will probably be cheaper
and they will be reassured that
their coverage is guaranteed for
their new country.”
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8. Source: www.expatfocus.com 7
International health insurance plan
“For those expats who move
between countries on a regular
basis, they will need to seek an
international health insurance
plan that will provide the right
level of health insurance for
them.”
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9. Source: www.expatfocus.com 8
Health insurance broker
“It's also possible to use an
experienced health insurance
broker who will understand
how the market works and
what the expat needs to find
the best possible health
insurance plan that will meet
their needs.”
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