Why do you need an Expat Global Medical Insurance?

A very informative post by David Deverson

Many international companies at times require some of their staff to relocate to foreign countries to head or manage the other branches there. This may be on a short to long term basis. Short term can be 2 weeks or less, medium term - up to six months, while long term can be from 6 months to several years. Most insurance policies in one’s home country do not cover you while abroad.

This is where the expat insurance cover comes in very handy to ensure that you can get proper health care while abroad and even cover for return trips in case of health emergencies. This expat travel insurance cover is not only meant for company employees but also for self employed persons who travel to foreign lands to provide their expertise or for business reasons.

As the aforementioned international companies strive to establish their presence on the global front, there is need for their expatriate employees to quickly adapt to the new environments as quickly as possible.

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What is Emergency Medical Evacuation and Repatriation Insurance?

It would be nice if you could leave home and not worry about medical problems when you are traveling overseas. Unfortunately, however accidents and illnesses do occur during business and vacation trips.

Even more unfortunately, medical evacuation and repatriation is not covered by most health or medical policies if you are injured or become sick while abroad.

"It is bad enough to encounter a medical emergency or suffer an accident when you are home. It is even worse when you are traveling overseas," notes Mr. Joseph Griffin, Chairman and CEO, GlobalHealth International Group. "In addition to the stress of a dealing with an emergency while away from home, travellers may also be forced to deal with language barriers, different customers, and inadequate medical facilities."

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Why Is Expat Medical Insurance Important?

"Duty of Care for Protecting International Assignees," a 2009 executive summary published by International SOS, states that global organizations should consider their employment obligations when it comes to "health safety, and security of their employees," including those traveling overseas or assigned there. Companies that take interest in global mobility and expatriate assignments are advised to make every effort to provide specifically designed medical coverage for individuals and their families working and living abroad on temporary expatriate assignments.

Significance

While home-country health insurance plans will generally restrict or completely eliminate coverage for international assignees, expatriate medical coverage guarantees access to local health care professionals abroad. Some international medical plans provide limited coverage, however, so the U.S. Department of State urges outbound expatriates to check for policy limitations related to conditions or location.


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Dealing With Your Medical Insurer

If you ever face a medical crisis, you’ll be amazed at how quickly the bills mount up, even with great insurance.

You could argue about whether insurers are inherently evil, coldhearted, or callous, but the bottom line is that insurers are businesses that want to get the most money they can out of you. Sometimes you will have to pay and there’s no way to get around that. However, there are so many mistakes, wrongly denied claims, double bills, and unnecessary charges at times that you may be able to reduce your bills somewhat, but only if you’re prepared to fight. Your insurer isn’t going to suggest ways for you to reduce your bills and they aren’t going to help you very much. Your insurer hopes that you will just pay the bill. You want to question everything and only pay what you need to. Here are some ideas if you ever need to go to war with your insurer.

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Global Health Asia is an exceptional provider of innovative expat health insurance. Global Health Asia International Group was created with one goal in mind – to become the best personal and family medical insurance service provider in Asia.

Investigate Before You Expatriate

Retiring abroad sounds intriguing to those seeking balmy climes and cheaper living. But there are pitfalls.

Planning a postretirement move from, say, New York to Florida is relatively simple. But if you're thinking about spending your golden years abroad, there are many more unknowns. How can you check out a prospective retirement haven before you make a big move--and maybe a big mistake?

Taxation. The U.S. taxes its citizens' income no matter where they live. Those living abroad can claim an annual $91,500 exclusion of income from work, which retirees often don't have. Tax treaties usually protect against double taxation, but many countries have higher rates than the U.S.

Continue Reading this informative article at Forbes

and see resources for Expat Health Insurance

Hong Kong Expat Medical Insurance

The GlobalHealth Advantage Range

Advantage 100
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per disability
> Choice of deductibles starting at US$500 per disability
> Lowest premiums


Advantage 200
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Choice to add coverage for out-patient treatment



Advantage 300
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient with extensive pre and post-hospitalization cover


Advantage 400
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient


Advantage 500
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient
> Maternity cover up to US$10,000 per pregnancy


To Know About Their Optional Extra Benefits
Visit Hong Kong Expat Medical Insurance

Why do you need an Expat Global Medical Insurance?

In an era where we keep too busy with our work, health becomes a matter of concern of all of us. Especially if we live abroad, medicines and health care have become so expensive that we might have to spend half of our savings on it. You certainly don't want to do that, right? Expat Global Medical Insurance helps you to cover all that without bearing any immediate cost. It not only gives you a complete medical cover but also, makes you financial secure. By taking international health travel insurance, you can stand your medical and health expenses on your own. 


We have often seen cases where in people living in abroad have to bear sudden and uncertain health costs which makes them face a financial crisis but, with such beneficial insurance scheme you can avoid such circumstances. Let's check out some more advantages of expat health insurance:

• Settlement of adequate medical expenses
• Aid to trip Interruption due to health issues
• Reimbursement of lost checked luggage
• Emergency medical evacuation
• Emergency reunion
• Emergency dental
• Settlement against accidental death and dismemberment
• Return of relevant assets

Whenever we go or live abroad, it becomes all the more difficult for us to take care of our health and all. In such a situation international travel medical insurance is the easiest way to deal with all sudden costs in this relevant field. Don't you think so?

We never know when we need a health cover, we can need a health cover anytime and anywhere in this whole world thus, it becomes essential to take such insurance schemes and be trouble-free.

World's Friendliest Countries

These nations are the most hospitable to expatriates, according to a new report.

The Middle East has long had a reputation for being one of the world's perennial trouble spots. But for expatriates, the tiny Persian Gulf county Bahrain ranks as one of the most welcoming places to work.

That's the surprising result of a new survey of 3,100 expatriates conducted by HSBC Bank ( HBC - news - people ). Bahrain ranked first in one key measure of how easy it is for expatriates to set up a new life for their families. It received high marks from expats who like the country's easy access to modern health care, decent and affordable housing, and network of social groups that expatriates can join.

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Expatriate Healthcare - Your Health In Safe Hands Wherever You Are

By Darlene Kaitlin

If you are planning to settle abroad, you need to also take a good look at your expat health insurance policy. Travelling overseas can be full of adventure and it can happen that you decide to pack your bags and move into a new place for the purpose of settlement outside own country. Since travelling abroad and starting to live there means coming across different climactic conditions and physical surroundings, you need to extra care of your health.

Adventure also means increased chances of events that may affect your health adversely at times. You may encounter a whole new set of issues that your body may take time to accommodate. And in case, any accidents occur and hospitalisation is required, the bills in a foreign place can come as a bad surprise. And before the medical bills deliver a knockout punch, you need to fight back with pre-protection, that is with a health care policy in place.

This is often the best option specially designed keeping in mind situations like this, and the people who would need to avail to it to ensure good health. Even if, by good grace, you do not come to require medical assistance, it will always serve to give you a peace of mind that you will be safe with proper medical care, no matter where you are.

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Expat Medical Insurance News: Bahraini minister concerned by expat influx

The minister of employment for Bahrain has expressed concern that many Gulf states may be transformed in years to come as the number of expats living and working in the region continues to grow.

Speaking to UAE daily Gulf News on the sidelines of a labour conference in the country's capital Abu Dhabi, Majeed al-Alawi said that while the region has long been reliant on skilled foreign workers to fuel growth, there may be problems during period of economic contraction.

"Whoever thinks this foreign manpower in the region comes for a project and leaves on its completion is wrong. They come to stay," he said, adding that with more expats buying property in the region and acquiring stakes in domestic companies, there may be a marked shift in the economic and social constitution of Gulf states within a generation.

Expats considering a move to the region may benefit from taking out an expat health insurance policy to ensure there are no gaps in cover should healthcare services be required.

Ignoring Expat Health Insurance is Dangerous to Your Wealth

Expat Health Insurance

If you choose to live away from your home country, it is vital that you get expat health insurance. Too many individuals have encountered problems abroad, then regretting not having ample support from their place of origin. There are a variety of premiums available specifically for the traveling individual. Here are some helpful tips on how to stay secure when going away.

Initial Steps to Take

Always stay safe when traveling abroad by keeping your documents in check and having the right resource persons or agencies ready during cases of emergency. The emergency assistance service is responsible for authorizing major health service provision and the conduction of tests even after your condition is already stable.

The claims should be covered by your chosen insurance company. Prepare the name and telephone number of your doctor and carry it with you at all times. You also have to prepare and constantly secure a list of your medications and serious conditions together with prescription notes. When you are traveling to third world countries, bring a copy of your prescription just in case customs ask for it.

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