It's better to be safe than sorry

It's better to be safe than sorry

US Expat Health Insurance

US expat health insurance is definitely something you should look into once you move abroad because your policy from home probably won’t cover you. Just as banks, investment houses and online trading platforms will freeze or terminate your account after moving abroad, the same will most likely happen to your health insurance coverage. Even if you you slip through the cracks and your insurance provider never realizes that you’re living abroad, if you try to make a claim from a foreign country you’ll most likely be denied then have your policy canceled. It’s wise to have an international plan in place before making a move overseas.

There are many factors that affect US expat health insurance:

  • Age. The older you are, the more expensive your insurance will be. This is the same with health insurance back in the US.
  • Country of residence. If you live in a relatively safe country, insurance premiums will be cheaper. If you live in a high risk area, this will raise the premiums. In fact, some insurance providers will not even cover you if you live in a certain country.
  • Add ons. There are many add ons you can hook on to your health insurance policy that can either make your policy cheaper or more expensive. With professional advice, you can tailor make your health insurance plan to fit your needs perfectly.
  • Visits to the US. Believe it or not, many US expat health insurance policies exclude coverage in the USA. If you choose not to have coverage in the US, your policy can be much cheaper. But if you wish to have one that covers you up for a 60 day visit, this could make your premiums a bit higher.
  • Levels of protection. Just like domestic insurance providers, international plans have various levels of protection, ranging from basic (usually just inpatient treatment) to comprehensive (covering everything from dental to maternity leave).

Listed here are just some of the basics. To get a more detailed view of your specific situation along with a free quote, contact us today.



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