Saturday, 21 July 2012

Expatriate Health Insurance Quote

Online expat health insurance quotes provide a convenient way to research your different options. You can research plans without the presence of a salesperson. You can review plans at your own leisure and educate yourself on health insurance. Not all plans are the same. Each will vary in coverage, deductibles, co-pays, and premiums. You should first determine what level of coverage you need and select the plan that provides your coverage requirements.

What should I look for when buying Expat health insurance?

While we would all like to think that an accident will never happen or we'll stay in good health, you never know what might be around the corner. To ensure that you are covered for every eventuality, both short and long-term, you might want to choose a range of cover that includes:
  • Chronic conditions such as cancer
  • Maternity including pre and post-natal treatment
  • Doctors/specialist visits and prescription drugs
  • Emergency evacuation back to your country of origin
  • Dental & optometrist treatment
You should also check if the plan offers "Paid in full" or whether it just covers a proportion of the costs for certain treatments, particularly for long-term illnesses such as heart disease. It is also sensible at this stage to decide what deductibles (excess) you are willing to pay. As with other types of insurance, the higher the deductible you are prepared to cover, the lower the overall premium.

You also need to what the maximum limit on the policy is so that you are certain that you are covered for everything, including emergency surgery or long-term medical treatment. The UK's Foreign Office recommends that you should take out a policy that provides at least £2m / €2.5m / $3m in benefit limits.

It all sounds very complicated...

In fact, taking out expat health insurance is as easy as arranging any other form of insurance cover. The first thing to do is a little research into the requirements of your country of destination to find out what type of cover you will need. Then talk to insurance companies that specialize in expat health insurance, telling them where you're moving to and what kind of cover you would like. They will use their experience and expertise to find a policy that matches both your needs and the legal requirements of the country you are moving to. There are policies designed for international travellers who just want temporary cover, and for those who are planning to move to a new country on a permanent basis. Insurance providers such as CIGNA Global offer comprehensive international health insurance packages that are tailor-made to help people who are planning to make that big move abroad.

Once you've sorted out your international health insurance, you can then arrive in your new home, safe in the knowledge that you and your family will get the medical treatment you need, when you need it. Medical insurance also means that you won't have to pay a fortune for that treatment either.

For more details about expatriate health insurance quote please visit Thank you for reading..

Expatriate Insurance Services

Why do I need expat health insurance?

Even the smallest accident or minor illness can be expensive if you don't have adequate health insurance. Make sure that you and your family are fully covered before you move abroad and you have peace of mind knowing you will receive the best medical care, no matter where in the world you are and no matter how serious the illness or injury is. Expat health insurance is designed specifically for people moving from their country of origin to another location on a permanent basis. It makes sure that the transition from one system to another is smooth, and that you are not denied medical cover in your new home.

Some countries also insist that you have adequate health insurance in place before you take up residency. If it's a legal requirement and you don't have insurance in place before you arrive, you may be denied access to the country or even incur a hefty fine.

Expat health insurance is the same as a normal health insurance policy, but rather than just covering you in your country of origin, it ensures that you are covered for treatment in your new home from the moment you arrive.

Other reasons for taking out international health insurance

Apart from the legal aspect of entering your new country, there are a variety of reasons as to why you might need international health insurance including:
  • The quality of your local country's healthcare system is poor or does not meet your needs
  • Good quality local healthcare may be very expensive, even for prescription drugs or minor treatment
  • The local healthcare system is confusing
  • Language barriers make using the local system difficult
Why shouldn't I just wait until I arrive in my new home?

You could wait until you have reached your new country of residence (if they'll allow you in without medical insurance), but that could mean a delay of days or even weeks until you get coverage. During that time you would have no health cover to pay for any medical bills, which could become very expensive, very quickly. Even prescription drugs such as asthma inhalers and blood pressure tablets can be costly and cut into your family's finances at a time when you may need to spend more than usual. So not having medical insurance could easily add extra problems to what is what already a stressful period in your life.

For more details about international health insurance you can go to Cigna Global lets you create a comprehensive international health insurance plan tailored to your specific needs. Wherever you live in the world, international medical insurance gives you access to the quality healthcare so you and your family can receive the treatment from the best medical facilities worldwide.

Friday, 20 July 2012

Expatriate Insurance Solution

Living abroad has plenty of its own attractions and some are enticed to move to a different country for many reasons including job opportunity or the simple reason they want to experience living a life outside of the States. Others who are moving out sometimes bring their families and they are known and called as expatriates. Almost all expatriates are very much unaware of the risks they are taking when moving abroad especially if they move out without thinking about a proper insurance policy and in this case the Expatriate Insurance.

Deciding to move abroad is an important choice that leads to a multitude of changes in the life of an individual and his family. One thing is certain, an expatriation is an adventure that can be very rewarding and enjoyable if well prepared and planned.

An expatriation is often a dream that may take some time to mature. Sometimes, it can also be the result of an unexpected offer that is made by an employer. But whatever its origin, moving abroad is a decision that should be taken by the entire family. This is because, in most cases, when an expatriation fails, it is often due to the difficulty of the spouse and/or children to adapt to the new environment.

When considering an expatriation, one must first make a serious and realistic assessment of the advantages and disadvantages associated with such a major life change.

One often leaves behind friends, family, home, school and other social and cultural references. In addition, the spouse has to quit her/his job without knowing whether she/he can find a new job and continue her/his career in the host country. It is therefore necessary to think and analyze carefully and objectively all of the aspects related to the decision of emigrating to another country.

At the same time, the benefits of living abroad are often numerous: major progress at the professional level, learning another language, discovering a new culture, freeing up some time to continue education as well as to start other exciting projects.

Here are some questions - among many others - to consider for a person who wants to work abroad:
  • What is the duration of expatriation?
  • Is learning another language required?
  • What do you know about the host country?
  • What are the benefits at the professional level?
  • How will you continue the education of your children?
  • Will your spouse be able to work abroad?
  • If your spouse cannot work abroad, can you live on one income?
If the inconveniences and constraints of such a change are too high, it may be preferable to abandon the project rather than undertaking an international assignment that seems doomed from the start.

Once you have completed your analysis of the advantages and disadvantages of such a decision, and you have opted for becoming an expatriate, it is important to plan your move. You should clearly identify the steps to follow and the goals you want to accomplish before and during the period spent abroad. This will help to keep you focused as well as to deal with some of the difficulties of moving and living abroad.

It is also important to realize that in most cases, all family members will suffer from a "cultural shock" and that this step can be difficult to overcome, but this is quite normal. Just remember that expatriation will offer a unique and incredible window into the world where you can enjoy a multitude of enriching experiences.

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