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Having taken the huge step to move to a new country, it’s important to secure peace of mind in as many aspects of your new life as possible. Ensuring that the right healthcare will be available for you is a must.
We at Cigna Global are specialists in expat healthcare, so we have gathered these five tips to help you choose the best health insurance policy and ensure you have proper healthcare when living abroad.
· Consider country-specific factors
It’s key to research the implications for expats in your new country of residence, as all the home comforts you’ve come to expect may not necessarily be available to you. There are countries that require by law the purchase of a health insurance plan, while other countries take contributions to the public system automatically deducted from your salary.
Ensuring that you understand the local regulations and their implications will set the base for you to make an informed decision.
· Make sure there are no gaps in your coverage
You may be fortunate enough to access subsidised healthcare in your new country of residence, but take into account that most public healthcare systems do not provide all-encompassing coverage. In some cases, even if you can access local healthcare, there may be restrictions on accessing certain services up until a certain period has passed.
· If you are employed, find out if your employer provides coverage
More often than not, expats are sent abroad by an employer and covered under the company’s health insurance plan. If this is the case for you, find out what your insurance plan covers and if it is the right policy for you.
It’s important to make sure you fully understand the insurance offered by your employer.
· Think of what’s best for you; National or International plan?
Globally mobile citizens often require an international plan to cover them in the many countries they frequent. If you are one of them, you may want to consider an international policy rather than a local one. Some private plans offer coverage abroad, although typically for a limited time and for necessary treatments only.
· Choose a plan tailored to your needs
When purchasing a private policy, consider all the above and try to choose a plan specifically made to suit your needs. International health insurance companies offer a wide range of levels of expat medical insurance cover.
Individual private medical insurance (IPMI) policies can often be helpful to expats, as many of the benefits within these policies have been tailored specifically to suit their needs.
At Cigna Global, we provide comprehensive health insurance to over 95 million customers in over 200 countries.
We’re happy to meet your international health care needs, giving you one less thing to worry about.
Our plans are specifically designed for individuals and families living abroad.
Our customers choose us because we can offer:
- Access to a global network of over 1.65 million trusted hospitals, clinics and doctors.
- The flexibility to tailor our plans to suit your needs and budget.
- The convenience and confidence of our 24/7/365 Cigna customer support.
- The reassurance of our many years of experience in delivering international healthcare.
Get a quote today – visit www.cignaglobal.com