1. To make sure you're covered abroad
Just because you live abroad doesn't mean you have healthcare coverage there. Most private plans are only applicable in the country you signed them. Travel insurance may cover care abroad, but usually only for a short stay - not for living abroad.
In many countries a certain type of residence permit is required to enjoy the state system. You might need to have lived there for a certain number of years, have a job, or have a permanent address. If you’re on a temporary contract, studying abroad, or if you move around a lot, this could be a problem.
With an international health insurance plan you know you’ll be covered, no matter where you go.
Even if you are eligible for a country’s healthcare programme, make sure you know what that entails. Some countries require you to purchase an insurance plan. Even if your healthcare is subsidized, it might not be all-encompassing. Will you have to pay each time you visit the doctor? Are general checkups and emergency care both included? What about maternity care?
Many expats choose international health insurance to give them flexibility and the ability to choose whatever plan they want, or need. There are different levels of coverage available. At Cigna Global, for example, you can choose Silver, Gold, or Platinum core cover insurance, and you can add on optional benefits to that.
Health is an extremely personal issue – healthcare should be, too. Do it your way.
3. To get a doctor who speaks English
Speaking of doing it your way, when your health is on the line you don’t want to be stumbling over a foreign language.
Many doctors in Europe speak excellent English, but if you want to be sure, you can contact your provider. Cigna Global offers assistance 24/7 around the world, so you can speak to someone straight away and get help finding the best doctor for you.
4. To cover pre-existing conditions
Better safe than sorry. Many plans offer a limited amount of coverage for pre-existing conditions, so if you have a condition you know you’ll be dealing with living abroad, it’s best to make sure you’re covered in advance.
5. For vision and dental coverage
Even in countries with government healthcare systems, dental and vision are frequently outliers where each person must pay their own costs. And the costs can be pretty high.
Adding an international vision and dental plan ensures you can keep on getting regular exams and keep your eyes and teeth healthy, no matter where you are.
6. For when things get tough
Health isn’t just about your body – your mind is just as important. And while living abroad is an incredible experience full of opportunities, it comes with many challenges, too. It’s not uncommon to struggle with adjusting.
Mental health coverage is offered on all levels of insurance with Cigna Global. The Life Management service is available 24/7 to assist with whatever you need, and you can get counselling sessions covered whether the issue is personal, work, or family related.
7. Just in case
Finally, there are those really big what-ifs. Hopefully medical evacuation and expatriation will never be an issue – but if something should happen, you’ll want to be covered.
As you get older, you should get screened regularly for various types of cancer as well. With international health insurance you have coverage for screenings for prostate, breast, and bowel cancer.
With an international healthcare plan like one from Cigna Global, you can make sure you’re covered no matter what situation you encounter. You don’t want to take chances when it’s your health you’re talking about!
Want a free quote for a personalized plan from Cigna? Click here.
This article was produced by The Local Client Studio and sponsored by Cigna Global.