Insurance for living abroad can offer peace of mind to expatriates and visitors alike. The insurance is ideal for those who have frequent travels and long stays, as well as for families.
It can be difficult to choose an international medical plan, so you should know all the details before making a decision. Getting a policy from a reputable company can help to ensure that you have peace of mind while traveling abroad.
Expat/Expatriate Health Insurance: A Basic Overview
Living abroad can be exciting, but also challenging. You might need to learn the language of a foreign country or adjust to a cultural difference. You may have to figure out how to get public health care or pay for private healthcare in a medical facility.
It is therefore best to get an international medical policy that covers your medical needs both abroad and at home. These policies come in different formats and can also be customized according to your individual needs.
How to buy an expatriate insurance plan
Expat health insurance plans usually offer a wider range of benefits, such as dental, vision and critical illness. In addition, some international health insurance plans offer emergency care and evacuation as part of their benefits package.
US Citizen Health Insurance Overseas
You may qualify for Obamacare compliant medical insurance if you are a US citizen traveling outside of the U.S. 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. The Bona Fide Residence Test is another exemption available to US citizens.
Consider getting an international health insurance plan if you're a US resident who's living and working outside the US. This will help you avoid problems with the immigration department when applying for a visa and prevent paying out-of pocket medical expenses.
You should contact an expert who specializes in international medical insurance. This can be a trusted advisor who can help you determine your exact needs and recommend a suitable plan to meet those requirements.
It's important when comparing medical insurance for expats to take into account your age, your health and any other factors that may affect your costs. You can then choose the best policy for your family and yourself.
How to buy a health insurance plan for expatriates
There are many ways to purchase international medical coverage, including online or over the phone. You can obtain quotes from local providers in your area or speak with an expert on international health care for additional information.