International teachers often have more than one possible route to health insurance, but the quality of cover can vary sharply. Some schools provide a group medical plan. Others contribute to a local policy or expect teachers to arrange their own cover. This guide is...
Job hunting abroad can create a healthcare gap at exactly the wrong moment. You may have left an employer plan in your home country, but not yet qualified for a new employer scheme or public healthcare overseas. During that period, even a short hospital stay could...
Emergency medical evacuation can be one of the most valuable benefits in an expat health insurance plan, especially if you live somewhere with limited specialist care. If suitable treatment is not available locally, evacuation cover may help move you to the nearest...
Submitting a medical claim as an expat often starts before treatment takes place. For planned hospital admissions, surgery, scans or specialist procedures, many insurers require pre-authorisation. This guide is general information only. Health insurance rules, visa...
The health insurance you need for a working holiday visa depends on the destination and the visa conditions. Some countries require proof of insurance before approval or arrival. Others may not inspect the policy in detail but still expect you to hold adequate medical...
You can get health insurance for a gap year abroad, but the right product depends on the itinerary. A simple short trip may be covered by travel insurance. A year involving multiple countries, volunteering, study, casual work, backpacking or long stays needs more...
A deductible is the amount you agree to pay towards eligible medical costs before the insurer starts paying. In some markets it may also be described as an excess. In expat health insurance, the deductible is one of the main levers used to adjust the premium. This...
Public health insurance is usually part of a national healthcare system. It may be funded through taxes, social security contributions or mandatory premiums. For expats, access can depend on residence, employment, contributions, nationality and local rules. This guide...
Whether you need to enrol in local health insurance abroad depends on the country and your status. Employment, residency, visa type, student status, income and self-employment can all affect the answer. Some countries require residents or workers to join a public or...
Health insurance in the Netherlands needs careful checking because local rules may require residents or workers to take out Dutch basic health insurance. Whether this applies depends on your residence, work status, study status and personal circumstances. This guide...