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.

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Why International & Expat Health Insurance is Important For Overseas Workers

Finding yourself working overseas without the usual 'safety net' of the NHS could bring about a sudden rash of insecurity. However, most employers with staff based abroad ensure some kind of international or expat health insurance plan is in place, offering their staff (and families) peace of mind. This helps to keep sickness absenteeism to a minimum and strengthen the company's credibility as a caring organisation.

Ensuring quality medical care for people working abroad is essential, since local medical facilities could be very basic, expensive or even inaccessible.
Private healthcare plans offer varying levels of medical cover (often including the family), usually with an overseas repatriation or evacuation service as standard. Most international healthcare packages also provide access to a 24 hr confidential advice line as well as a foreign language interpretation service.

Overseas employees who are covered by private healthcare are able to receive prompt access to expert medical attention. This reduces absence due to sickness and helps to maximise corporate productivity. Where non-emergency treatment is needed in hospital, the patient will be notified of the date in advance, allowing their employer to make arrangements to cover their absence.

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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

Though the facilities depend from one insurance company to another but, mostly the above mentioned services are taken care off. To a greater extent International Travel Medical Insurance companies are planning to cover more areas (as follows) to enhance their standard of health care:

· Terrorism coverage

· Hospital insurance (such as daily cash, etc.)

· Problems of pregnancy

· Natural disaster

· And, other travel support such as pre-trip safety and health advisories, immediate cash transfers, lost travel document or passport assistance, etc.

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.

Expat guide to Australia: financial management

In the first of a series of country guides designed specifically to address the problems faced by expatriates,Telegraph Expat takes a look at money management for those thinking of moving to, moving back from, or already living in, Australia

Australia is the number one destination for emigrating Brits , with 56,000 of us moving to the other side of the world in 2008, according to the latest official figures.

But if you are planning to go because of work, or simply in search of a better life for yourself or your family, there are a lot of things you need to think about to be sure your finances work as well as they can for you.

This guide will help you through the financial maze of what you need to do and how you need to do it to make your move a success.

BEFORE YOU GO

One of the most difficult things to do when you go to a new country is open a bank account, as you have no credit history in that country. If you open an account before you leave the UK, this circumvents the problem.

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Expat Health Insurance For Asia

Insurance Plans for Expats in Asia

The 400 / AAA Plan

* Full Refund in-patient, day-patient and out-patient treatment including chronic conditions
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Maternity coverage may be standard or optional
* Dental coverage is optional
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan


The 350 / AA Plan

* Full Refund in-patient and day-patient treatment
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Maternity coverage may be standard or optional
* Dental coverage is optional
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan


The 100 / A Plan

* Full Refund or Sub-Limit (depending on the treatment) in-patient and day-patient treatment
* Emergency Medical Evacuation and Repatriation plus other emergency benefits
* Personal Accident coverage is optional
* Available as a Family, Individual or Corporate Insurance plan


Learn more about Global Health Asia's Expat Health Insurance

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: Expats disappointed by Kuwait's Hala February

Expats living in Kuwait have expressed their disappointment at the Hala February shopping festival, with many claiming that it is "not worth the wait".

Speaking to Kuwait Times, Mercy, a Filipina expat who has lived in the Middle Eastern country for more than a decade, said there is no marked difference in the price of goods during the festival, which runs until February 23rd.

"I can shop anytime in the malls and anywhere in Kuwait and enjoy huge discounts. I don't know what the Hala festival is for. I cannot understand," she declared.

Meanwhile, Indian expat Margaret said the organisers should focus on creating a vibrant, exciting experience that would inspire shoppers to spend their cash.

The Kuwait Times has also recently alerted expats to iniquities in the country's healthcare system, with nationals afforded a more comprehensive level of care than expat workers.

Such limited access may encourage employees to obtain expat health insurance as a priority.