Expatriate Health Insurance

Written by Kathleen Gagne
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Who Needs Expatriate Health Insurance?

If you, and possibly your family, are living in a foreign country because of your job, you want the peace of mind that comes with knowing you all have the same level of quality health care coverage that you would have in your own country. You need more than the card you always carried at home because, in most cases, the medical insurance you had in your own country does not extend outside of it.

Getting the expatriate health insurance your family needs may be the most important preparation you make for the time you will spend working on foreign soil. Today, there are world-wide companies that provide several levels of expatriate insurance online. Finding the right one can be as simple as entering a keyword and comparing the benefits available from several major international insurers.

Expatriate Health Insurance Features

When you're shopping for the expatriate insurance you need, there are several key features that you will want to be sure are included in your plan. In order to get the same quality coverage you would have from your domestic plan, it's even a good idea to do a side-by-side comparison of what is covered by the international plan. Some of the basics are listed below.

  • In-patient medical care when recommended by your physician.
  • Comprehensive emergency medical care.
  • Coverage for out-patient procedures as needed.
  • Comprehensive prescription coverage.
  • Emergency dental care/general dental care.
  • Specialists and consultations as recommended by your physician or of your own choosing.
  • Finally, before you buy expatriate insurance, make sure you understand what your out-of-pocket costs will be.

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