about health and medical issues when living overseas?
What if I
get sick - or hurt?
employers in most countries will provide you with a very
basic form of health/medical insurance.
some countries, you will become eligible for the
national health care system, in others you will belong
to a private plan that your employer has purchased for
you (or you may pay for a certain percentage of the
provided coverage adequate/enough?
If you are
young and healthy, don't ride a motorcycle or engage in
dangerous activities, and don't travel to other
countries - then it probably is. These type coverages
are fine for the occasional cold or semi-serious
illness. But they are often not adequate for long-term
or out-of-country coverage, or for any kind of serious
or catastrophic illness or injury. Know that some
national health care plans are quite shoddy and you may
not want to rely on that system to care for your health.
If you are
thinking about living and working overseas long-term,
are middle-aged or older, and/or ride a motorcycle -
then consider purchasing a good quality policy that you
can take with you from country to country.
type policies expensive?
Yes, and no.
really expensive is to have a serious medical problem
and no, or lousy, coverage. Yes, you will find
that some policies offered by major insurance providers
are quite expensive. But there are some reasonable
alternatives. One traditional company that offers
"instant quotes" on line is
MultiNational Underwriters. Click on their
box to the right - for fast and free online quotes.
Insurance is a good option if you want some coverage
only while out of the country where you are working - as
your work coverage will not usually cover you out of the
country, on the way to your job, or on your way home.
And, after all, one reason for choosing to work overseas
as a job alternative - is so you can travel. Check
with MNU for help with that as well.