International Insurance

Why You Should Purchase International Insurance If You’re Moving Overseas

Insurance 15 December 2023 2 Mins Read

When planning a move abroad, purchasing international insurance should be a high priority on your checklist, giving you and your family protection in the event of unforeseen medical emergencies while living overseas.

In this article, we unpack why obtaining international insurance is essential for you and your family when relocating overseas.

Topics Covered:  

  • Varied healthcare systems 
  • Limited or no coverage by local systems 
  • Continuity of care
  • Emergency medical evacuation and repatriation
  • Comprehensive coverage
  • Flexibility and peace of mind 
  •  Final thoughts 

Varied Healthcare Systems

One of the foremost reasons for obtaining global health insurance is the significant variation in healthcare systems in different countries. Each country has its own healthcare standards, practices, and costs. While some nations have excellent public healthcare systems, international insurance provides you with access to high-quality medical care wherever in the world you live or travel.

Limited Or No Coverage By Local Systems

In many countries, coverage in the local healthcare system might be limited for expats, or not be available at all, leaving them to navigate private healthcare, which can be significantly more expensive. 

Continuity Of Care

Continuity can be life-saving, especially if you have ongoing medical conditions or treatments. If you’re undergoing a specific treatment or have pre-existing conditions, international insurance enables you to continue the required medical care seamlessly, without interruptions due to relocation.

Related: Insurance Made Easy: Streamlining Your Online Experience

Emergency Medical Evacuation And Repatriation

emergency medical evacuation

Some international insurance plans include provisions for emergency medical evacuation to your home country in the case of a serious medical emergency. This coverage is essential if the required medical care is not accessible or not good enough locally, or if you would simply prefer to be treated in your home country.

Comprehensive Coverage

International insurance often offers more comprehensive coverage than local private plans, typically including hospitalization, outpatient care, prescription drugs, and preventive healthcare. Depending on the specific policy, it may also encompass dental care, maternity care, mental health services, and additional provisions, ensuring comprehensive protection for you and your family.

Flexibility And Peace Of Mind

Having international insurance provides a sense of security and peace of mind, giving you the flexibility to choose the coverage and the benefits that suit your needs, budget, and lifestyle. This assurance is significant in unfamiliar surroundings, where language barriers and differences in healthcare practices might otherwise add stress to an already difficult situation.

Final Thoughts 

Moving abroad presents a host of new experiences and challenges, and ensuring your good health and well-being when living overseas is essential. International insurance provides an essential safety net, allowing you to focus on adapting to your new environment without the worry of potential financial or healthcare-related difficulties.

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