How to Select the Best Insurance Plan as an Expat ?

Research is the key to finding the best insurance for you as an expat.

The first thing to do is to research what healthcare access is available to you in your new country of residence. The World Health Care Organization (WHO) ranks countries, so take a look at their ranking.

Find out if you are eligible to access public healthcare in your new country.  If so, are there any exceptions like your nationality or the length of time you plan to stay? In most cases, even when access to public healthcare is available, there are many treatments that may not be covered and the waiting times to even get an appointment to see a doctor or receive treatment may be long. At times, public healthcare can be unreliable.

Some countries require expats to purchase a local health insurance plan.

It is important to find out about expatriate healthcare in your new home as healthcare access is often quite different from what you have experienced in your home country. Regardless of whether or not purchasing an expat plan is required, it is usually the best idea. Having private insurance abroad will not only give you peace of mind that you will receive treatment but also give you access to the better tier of healthcare providers and facilities. It is also advantageous to have a patient advocate to help you navigate the health system that you are unfamiliar with.

Questions to Ask When Looking for Expatriate Insurance

  1. Does it fit every need of you and your family?
  2. How are pre-existing conditions handled?
  3. Are there age restrictions? Does the company cut coverage after a certain age?
  4. Is there an underwriting condition when applying for expatriate insurance?
  5. Are there any exclusions for making a claim? If so, what are they?
  6. How much does an expatriate plan cost?

Be sure to work with a licensed international health insurance broker.

A reputable international health insurance broker will have the integrity, expertise, and experience to help you to find the policy plan that is best for you and your family.  There is no additional cost for using a broker and the benefits are worth it.

To find out more about our expatriate health plans or to find a WellAway broker to assist you in selecting the best product for you, please visit us at or contact us at +1 441 296 0651 or at