Expat International Health Insurance: Why Should I Take it Out?

Leaving your home country can be both exciting and daunting at the same time. Find out all about expat international health insurance here.
Expat International Health Insurance: Why Should I Take it Out?

Last update: 20 May, 2021

Unforeseen events that put our health at risk can occur anywhere and at any time. That’s why expat international health insurance is a must for anyone who is leaving their home country to go to live in another country. What is this type of policy all about? When should you purchase it? Find out here!

Leaving your home country can be both exciting and daunting at the same time. While it will most certainly open the door to new experiences and opportunities, it also means you have to set up everything you need for your new life in a new country.

Have you ever thought about how you can cover your health expenses? Well, worry no more, because on this occasion, we’re going to tell you all about expat health insurance.

This type of policy is specially designed for those who plan to leave their own country and go and live in another one, and will cover them for any traveling they do whilst there, whether that be for tourism, work, visits, etc.

Its function is to cover medical expenses for accidents, injuries, pregnancy, and many other health-related issues. We’ll now tell you just why you should take it out, and other information that you should take into account.

Why is it important to purchase international health insurance?

Health insurance: A patient and a doctor

Medical expenses are the order of the day, no matter where you live. If you’re living abroad, then it’s absolutely essential to purchase expat international health insurance.

These types of services offer worldwide medical protection and can sometimes even cover repatriation expenses. Their main coverage deals with expenses for medical emergencies, such as accidents, injuries, or illnesses, but they can also cover costs associated with preventive care, such as consultations with family doctors, dentists, maternity care, among others.

Of course, plans are varied and can be customized according to individual needs and budget. Whatever the case, they usually have a direct payment system with hospitals and private health networks to ensure the best conditions in the event that emergency medical care or specific treatments are required.

As you may have guessed, all the health services mentioned above usually incur very high costs that won’t be easy to cover if you don’t have a suitable policy. For this reason, many countries require proof of health insurance before granting visas or entry permits.

What should you consider when buying expat health insurance?

A baby at a pediatrician checkup.

When choosing expat health insurance, many questions can arise. That’s why the best advice is always to contact companies that are specialists in these types of services, such as Foyer Global Health, which offers a wide variety of plans, adapted to any need.

Of course, before choosing one plan or another, it’s important to consider the following aspects:

  • Medical needs. Do you need to cover only emergency cases or do you also require preventive care? You should also determine whether you want additional care such as dental or eye care.
  • Policy limits. The insurance company’s advisors can answer all your questions regarding the limits of the policy purchased. This is very important, as it will avoid all potential misunderstandings when dealing with health services in other countries.
  • Scope of coverage. Another important option is to decide whether you need regional or worldwide coverage.
  • Individual or family insurance. If you’ll be living (or traveling) with your family, then you may also like to consider an expat family health insurance plan. This option is also customizable according to your budget.

In short, it’s essential to keep in mind that health-related issues can come up when we least expect them, and we need to be prepared, wherever we are. So, if you decide to go to live in another country or to travel whilst you’re there, then an expat health insurance policy should be very much part of your plans.