Expatriate International Health Care Insurance Plans For United States Citizens

By: Donald Saunders


Expatriate health care insurance is something that you should take a close look at before you move overseas. A lot of individuals travel overseas every year on holiday and find that they fall in love with their holiday destination. This is something which occurs everyday and you need to remember that your need for medical insurance will remain the same no matter where in the world you are.

You will still face all of the same health risks overseas that you will face at home but you could well run into some very different issues when it comes to the cost of your own healthcare and the healthcare of your family. One thing that you definitely do not wish to experience is being caught up in limbo.

For example, let us say that you are working overseas and that you are involved in a car accident and sustain several minor injuries. The local police take you to the nearest hospital for treatment and, after the doctor has finished attending to your injuries, you are requested to pay your bill. Just how do you plan to pay?

Assuming that you are living overseas and continue to retain your US citizenship then you will almost certainly not be entitled to free treatment even in a country with a system of free healthcare. There is naturally the matter of your health insurance from back home but, unless you have only been abroad for a quite short time and can claim this bill as a vacation expense, it is unlikely that your insurer will pay out. At the end of the day you will have to pay the bill yourself and simply hope that you have got enough money.

The sensible thing to do of course is to look into arranging health insurance that is specifically tailored to expats such as yourself prior to heading off overseas. There are many medical insurance plans available which cover almost every situation you can think of and that will give you considerable peace of mind.

If you are traveling overseas to work for a company based in the states then they could well have a medical insurance plan available to cover you and your family while you are working and living overseas. This is obviously something that you need to investigate as nearly all employers will cover at least some of the healthcare and medical costs of their employees overseas.

If your employer does not provide the medical insurance cover that you want, or if the question of provision by an employer simply does not arise, then you might like to do a search on the Internet for expatriate medical insurance plans and you will discover a wealth of information from a wide variety of companies and brokers who are very happy to help in getting you a suitable expatriate medical insurance policy.

If you do look for expatriate medical insurance online however you will have to read through the particulars of any policy with care and be satisfied that you know exactly what is covered and what is not covered. You definitely do not want to reach your destination and discover when you make your first claim that the plan you bought does not cover you for your claim or that it is void in your chosen country.

Finally, make sure that you begin your search for an expatriate medical policy the moment you know when and where you are going to ensure you receive the best deal.


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