Medical Plans for Workers Living Abroad
Expat life is not like any other kind of travel. You are not just taking a break from your regular life to experience something new. This IS your regular life – one filled with adventures and relationships and, yes, even work in a new country. And your new life needs a new international health insurance plan, one that focuses on local and regional care while providing global coverage as needed. It is not realistic, or sometimes even possible, to keep your patient status with your family physician, specialists, dentist, and physiotherapist back home, even if you do manage to travel there once every year or two. If you prefer to keep working with your doctors in your home country, you need a global plan that can cover you worldwide. Here are some excellent reasons to have health insurance when working abroad.
Why Buy Comprehensive Global Insurance When Working Abroad
Building that relationship with health care providers in your new country is not about scraping the bottom of the barrel in the names of affordability. True, in many countries, you may be able to affordably pay out of pocket and have access to basic services. But basic care is not what gets you back on your feet quickly and confidently. It’s about taking the time to rest and recover, about feeling confident in your treatment plan, and about having the most relaxing environment possible in trying circumstances. And – let’s be honest – sometimes it is also about having the most optimal care so you can get back to work as soon as possible. Health insurance while working abroad is not just about the right diagnosis and the right prescription. A comprehensive health insurance plan has your back, with access to English-speaking doctors, comfortable private rooms, top diagnostic equipment, and a support team to help you get back on your feet.
Also Read: Expat Plan vs. Local Insurance Coverage (The benefits of each are explained)
Balancing Peace of Mind with Making Peace at the Office
Peace of mind matters, not only when you need to access healthcare providers but also when avoiding worry and anxiety. Navigating expat life and a new work environment are challenging. In many countries, there is a long list of culinary precautions to observe, with foods to avoid and risks with water. Knowing that you have access to the best doctors and the most comfortable facilities should a momentary slip in vigilance come back to haunt you can make those worrisome moments a little less awkward.
Savvy expats know to be wary of water and ice cubes in a developing country, as well as raw fruits and veggies that cannot be washed. But there are some circumstances that cannot be avoided in the name of avoiding awkwardness and demonstrating respect – circumstances like when your boss’s grandmother drops by with a lunch of salads and non-refrigerated meats. Or when a new client insists on taking you to their favorite shop for a very icy iced coffee. In an instance, you have to weigh the risk of offending someone versus offending your digestive tract! No expat can follow 100% of the rules 100% of the time. It is good to have some backup.
When It Comes to Your Health, Play the Long Game.
Odds are in your favor that your expat life will be just as healthy as your life back home. There’s an old saying in medicine: “Common things are common”. If your throat hurts and you are coughing, you probably have a virus like a cold, not tuberculosis. But though you may be young and healthy and adventurous that does not mean you are immune to freak accidents, traffic catastrophes, or unexpected pandemics. Or that you can neglect your short-term health at the expense of your long-term well-being. You moved overseas to work, not to gamble. Take care of your health no matter where you are.
Best Health Insurance Plans for Individuals Working Abroad
- The flexibility to tailor a plan to suit your individual needs
- Access to Cigna Global’s network of trusted hospitals, clinics, and doctors
- The convenience and confidence of 24/7/365 customer service
- Premium Benefits, Coverage and Service
- Define your deductible and prescription benefits
- For Foreigners in the US or US Citizens Abroad
Use the Contact Us box to the right or the Free Quote button below to request a custom quote for your specific situation. If you have employees that you would like to provide insurance to, we have international group health insurance plans for employers.
Popular Expatriate Health Insurance Plans
- Expat Insurance for Americans Abroad
- Health Insurance for Expats in China
- Canadian Expatriate Health Insurance
- Medical Insurance for Expats in the USA