Living or working abroad can be an exciting adventure, offering new experiences and opportunities. However, it’s crucial to consider how you’ll manage your healthcare needs while away from home.
Most U.S.-based health insurance plans, including Medicare, do not provide coverage abroad, leaving expats without the safety net they might expect.
While having health insurance in another country is highly recommended, many wonder: is it actually required for expats?
Are Expats Required to Have Health Insurance When Living Abroad?
Having health insurance while living abroad may be required, depending on the country you are residing in and other factors such as your visa or residency status.
For example, some countries may require that expats have health insurance during their stay. Many long-term visas, digital nomad visas, and residency permits will require that you show proof of health insurance coverage.
Does US Health Insurance Cover Expats Living Abroad?
Unfortunately, most health insurance policies from the United States do not offer coverage for medical care internationally. This includes for US citizens who are living or working abroad.
U.S.-based health insurance, including Medicare, Medicaid, and most private insurance plans, is typically designed to provide coverage within the United States, with very limited or no benefits for medical care received internationally.
Do Expats Need Health Insurance?
It is highly recommended for expats to have health insurance when living or working abroad, and may even be required depending on the host country and its regulations.
The potential risks and costs of being uninsured while living abroad can be significant, especially if an emergency situation were to occur.
Healthcare costs can be high depending on the host country. Having health insurance as an expat can ensure that you have coverage for all of your medical needs, including preventative and routine care.
Expats on Medicare
For expats who are currently on Medicare in the United States, it is important to note that Medicare won’t cover your medical expenses when you move abroad.
Individuals on Medicare can choose to keep their Medicare coverage if they plan on returning to the United States at some point. However, a global health insurance plan is highly recommended for coverage abroad as Medicare won’t cover internationally incurred medical expenses.
Do Expats Qualify for Health Insurance in Foreign Countries?
As an expat, you may qualify for health insurance in foreign countries, but it will greatly depend on the host country’s healthcare system and eligibility requirements.
Some expats may be able to qualify for public health insurance if they are employed by a company in their host country. Other countries may require that individuals become permanent residents in order to qualify for healthcare. There may also be a waiting period to qualify for healthcare in your host country.
It is important to do your research for your host country’s eligibility requirements and what type of healthcare you could qualify for. You may only qualify for public healthcare rather than private healthcare, which may not meet your healthcare needs.
Expat health insurance is typically the most flexible and comprehensive option for individuals living outside of their home country.
What Is Expat Health Insurance?
Expat health insurance, also known as global or worldwide health insurance, is a form of health insurance that can cover individuals when they live or work abroad for an extended period of time outside of their home country.
Unlike regular travel insurance, expat health insurance provides comprehensive medical coverage that meets the needs of long-term residents abroad.
Key benefits of expat health insurance include:
- Coverage for a wide range of healthcare needs, including routine check-ups, emergency care, hospitalization, prescription medications, maternity care, and more.
- Access to quality private healthcare facilities abroad
- Worldwide coverage options for individuals who move or travel frequently
- Wide network of healthcare providers
- Customizable plans based on individual needs
- Coverage for emergency medical evacuation and repatriation of remains
How Much Does Expat Health Insurance Cost?
The cost of expat health insurance will vary depending on several factors, including the type of plan you choose and the country you are living in.
Factors that can affect the cost of expat health insurance include:
- Age
- Coverage amount and type
- Country of residence
- Pre-existing conditions
- Deductibles and co-pays
- Coverage areas, such as adding coverage in the U.S.
- Policy add-ons such as dental or vision coverage
- Duration of coverage
Get Expat Health Coverage Today
Having expat health insurance while living abroad can ensure that you can access the healthcare you need.
Learn more about the best expat health insurance options or compare our available expat health insurance plans to find the right coverage.
