Expatriate health insurance, or expat medical insurance, provides health coverage for people living outside their home country temporarily. Expatriates may be U.S. or non-U.S. citizens living or working abroad for short or long periods of time. Expat health insurance provides worldwide coverage, so it covers individuals who are staying in one country or those who will be traveling to multiple countries.
In most cases, expats are not covered by their domestic health insurance while living outside their home country and may not be covered under a group medical insurance program offered by their company, for example. As an alternative, expatriate health insurance is available as an individual international medical policy for expats who need healthcare coverage while living abroad.
Expat medical insurance plans may cover medical expenses such as consultations, hospital treatment, ambulance and air ambulance services, psychiatric treatment, maternity and childbirth care, and emergency dental, but vary depending on the insurance provider. Most expatriate health insurance policies offer multiple coverage options with policy maximums ranging from $250,000 to unlimited amounts.
Expatriate health insurance offers worldwide coverage and can be tailored to fit the individual needs of anyone living abroad, regardless of their location. Expatriate insurance policies are a great option for expats who prefer private health insurance or find it difficult to find quality healthcare in the country they are temporarily living in.
Why do you need expat insurance?
Gaps in health coverage create serious risks for travelers, both financially and in terms of their health. The longer you go without health insurance, the higher the risk of needing medical treatment at some point. Expatriates and other people who travel abroad often for extended periods of time, such as digital nomads, may be unfamiliar with their new environment, putting them at risk of a number of mishaps. Medical insurance for expats is designed to keep expats and others living abroad safe and healthy during their travels.
Created for global citizens, these global medical insurance offers coverage without borders. Expat health insurance policies can be designed to provide coverage for multiple countries, so individuals and their families are covered during their entire stay abroad.
Some of the features of expatriate medical insurance include:
- Worldwide coverage
- Flexible plan options
- Preventative care coverage
- Ambulance services
- Surgical treatment
In addition to excellent health benefits and coverage options, expat travel insurance also provides medical assistance services, translation services, and online tools to simplify the process of purchasing, modifying, and using health insurance abroad.