If you're an international expatriate or just visiting, a living abroad health policy can give peace of heart and protect your finances. It is an excellent option for long-term travelers and families who need to cover all family members.
It's not easy to select an international health insurance plan. You should be aware of the specifics before you make your purchase. By choosing a reputable insurer, you can ensure your peace ofmind while abroad.
A basic overview of expat/expat insurance
Many people find living abroad an exciting adventure, but it also comes with challenges. You may have to learn a different language or adapt to a different culture. You might also have to learn how to pay for private hospital treatment or use the public healthcare system.
In order to ensure that you are covered for any medical emergencies abroad or at home, it is best to purchase an international insurance policy. These policies are typically available in various formats and can even be customized to fit your specific needs.
How to Purchase an Expatriate Insurance Plan
Expat insurance plans tend to be more comprehensive than travel plans and include benefits like accident, critical illnesses, dental, vision care, and others. In addition, some international health insurance plans offer emergency care and evacuation as part of their benefits package.
US Citizen Health Insurance Overseas
As a citizen of the United States, you may qualify for Obamacare-compliant health insurance when traveling abroad. You may be able to take advantage certain exemptions.
IRS Physical Presence Test: A US Citizen that is physically present for 330+ days in a country abroad per year can qualify. Bona Fide Residence Test also qualifies US citizens for an exemption.
As soon as you become a US Citizen and move to another country, consider getting international medical coverage. You can avoid any problems with immigration when you apply for your visa, and also save money on medical expenses.
The best way to shop for a policy is to contact an international health insurance expert. You can find a trustworthy advisor to help you identify your exact needs, and then recommend an appropriate plan.
Comparing expat medical policies is important because you need to consider factors such as your age, current health, and other things that could affect the cost. This will enable you to find the right policy that suits you and your loved ones.
How to purchase an international health insurance policy
There are several ways to buy international medical insurance, including online, over the phone and in person. Get quotes from companies local to you, or talk with a trusted expert in international insurance for further information.