Overseas Medical Care guaranteed by an expat insurance policy.

Expat Insurance List

Expatriate or Expat Health and Medical insurance police can vary greatly in scope and therefore price.

Buyers should consider using a broker as going direct to a provider may not actually be more cost effective since broker comissions are paid by the provider out of their standard policy prices generally.

Buyers should pay particular attention to the terms of the policy for their expat health insurance since these can vary and may include/exclude clauses that are key to the buyer. For example will the policy be carried on into "old age"? Some providers have age limits.

Most health insurance companies and providers will price their product according to the region the policy holder intends to spend most of their time and again policy holders should check carefully to ensure they are covered in all the regions they wish to travel to.

Regions are generally:

North America, Europe and the Rest of The World with some specialist policies existing for specific regions like Middle East, Africa and Indonesia.

Repatriation
Healthcare Ambulance Overseas
Expat emergency

Health Hazards and Healthcare in North America

In North America the health care system is full of hazards as well as different challenges. With completely different systems applied depending upon the country you visit. In Canada they use a socialist leaning health care system that provides all of its citizens with affordable health care. While the United States use a private system based off of the overall amount of insurance and health insurance that you have to qualify for various health care services.

Canada
In Canada their health care system tends to focus on preventive healthcare. This is when you are seeking services on a regular basis to help identify any potential health problems early, preventing diseases and other costs from spiraling out of control by focusing on this aspect of health care. Because the costs associated with insurance and health insurance is covered by the government means that more people are able to maintain higher levels of health. Under the Canadian system expats, business travelers and those who are traveling overseas are covered as far as their health care needs are concerned.

United States
The United States uses a system that is based off of the free market with government intervention limited. Under this system the individual bears more responsibility for costs where it is their responsibility to ensure that they have proper insurance or health insurance for the required treatment. Otherwise the medical services being sought will have to be paid for by the individual. As an expatriate or business traveler this means that those who are traveling throughout the United States or overseas are encouraged to have insurance to cover unexpected medical costs.

Hazards
Both countries health care systems have their fair share of hazards the largest one for the Canadian system is the government bureaucracy where some people may not be able to have access to the treatment they are looking for. This is because of possible rationing by the government. The biggest danger is that someone could suffer unnecessarily while awaiting treatment for various conditions. Under the United States system, key issues of medical treatment could be delayed if not treated at all because someone does not have the proper health insurance or the do not have the money to cover the costs for treatment. In the American system this could mean that someone who could not afford these health care services could face pain, agony and possibly death. Combine this with the fact that health care prices are skyrocketing across the United States and it is easy to see how so many people under the American system are without insurance.

Clearly the U.S. and Canadian health care systems are completely different where one is based on providing services through the government, while another is based on the free market system. It is through understanding the hazards that these systems pose to business travelers, citizens who are traveling overseas or staying with their own country, and expatriates that can provide the greatest understanding of the health hazards within the North American health system.

African Expatriate Health Insurance
For expatriates returning to their home country of Africa, health insurance is a must. While Africa has had a rapid expansion of urban areas, the hazards of environmental health have come to light for expats and business travelers from overseas. Sub-Saharan Africa continues to have the most problems with disease, malnutrition and the lack of efficient medical clinics. This area has the most poverty and the highest level of live births where most babies struggle to survive.
The burdens of the modernazation areas of Africa, especially in South Africa, have created a demand for health care and for visitors, health insurance is a must.
Expats need to realize that the rapid development of these urban areas create environmental problems that affect health care. These hazards have directly contributed to the need for more healthcare facilities where treating malaria cases, toxic exposure to lead, mercury and DDT, which has become a daily battle. Unsanitary conditions of food, water and human waste, have to be taken into account when tourists visit Africa. Preparations should be made for adequate health care if needed. Buying health insurance can protect those who do not live in Africa.
Africa continues to struggle with the new emerging countries who have no stable infrastructure and no trained medical care providers nor adequate clinics to serve the exloding population. These handicaps contribute to the crisis of HIV/AIDS, malaria and tuberculosis throughout much of Africa.
While worldwide institutions have stepped in to help with money and trained providers, the situation is still severe for the poor and their expatriate family members who live abroad who come back to visit their families. Most African countries are striving to address health care issues of their populations and the international community has responded to these problems by providing basic healthcare, food and medicine.
For Africa to achieve its vast potential, healthcare for the people is of primary concern. The need to clean up their environment can lead African countries to better technology and services that are available for the public. Clean water and food, basic sanitation and education are already a part of the philosophy of politicians who strive to keep pace with the developing world and in turn, attract more business travelers and tourists. Adequate healthcare goes a long way as an enticement for tourists, expats and business travelers.
Today, Africa is turning their attention to attracting businesses who can help them on their journey to prosperity.

Health Hazards and Healthcare in Eastern Europe
Anyone contemplating a trip overseas to Eastern Europe should be aware of the hazards and medical care problems in the region. Business travellers should check into any insurance, medical or health insurance before they make that overseas journey. An expatriate would be a good person to talk to in Eastern Europe to help you decide the correct approach to the trip. An expat living there would be a big help to those business travellers preparing for the triip.

There are many medical hazards existing in Eastern Europe that the common business travellers may not be aware of, but should learn about quickly. Tourists and business travellers should be sure that their health insurance from home will cover them in these countries.

The healthcare in Romania, for instance, is paid greatly by its citizens. They actually pay one-third of their medical bills. That is an exorbitant amount for anyone to have to pay for even with insurance. Their health insurance can even equal 14% of their income. Romania uses health insurance houses (HIH) and they pay the healthcare providers. A fee-for-service reimbursement is being tried out, however, there is a lot of cheating in this system. The auditing is too poor to keep up with the system.

An expatriate would tell you that many hospitals in Poland had to close from 1998 to 2001 because of the poor health care services in this country. Without proper medical facilities, even having health insurance wouldn't help without the proper facilities to take care of the sick. The expatriate could also tell you that the healthcare workers in many of the Eastern European countries earn less income than the average worker, so the overseas travelers should be covered with trip insurance as well as health insurance while traveling in this part of the world.

The expat would say that also in Latvia and Poland, the healthcare workers have been given a shorter work week, which makes for a small, stressed staff at a hospital or other medical facility.

Not only are the medical facilities sub-standard, but the health hazards do exist in Eastern European countries. The Russian life expectancy has actually gone down by a good ten years. The new republics from Yugoslavia have problems with digestsive and respiratory diseases. Tuberculosis is a serious problem in Romania. Even having the proper insurance for your travels couldn't protect you from these diseases, especially when the healthcare systems are run so poorly. Anyone traveling overseas should research their destination before departing especially on the health conditions that exist there.

More women die at childbirth, than before. Medical degrees are actually bid on or sold to the highest offer. Listen to what the expat has to say about the hazards in Eastern Europe. He can also offer any tips on health insurance or any other kinds of insurance that may be needed.

Health Hazards and Healthcare in the Middle East
Traveling abroad often means that you will be away from home for several days to several weeks. Before one expatriates to another country, you should consider among packing proper clothing attire, having proper medical insurance. We often worry about adapting to the culture, what the night life looks like, or how you will get around. Accidents do happen at the most inopportune times, so it pays to be linked to the right health insurance. Not to mention there are certain immunities the body builds up over time. But, when exposed to disease and infection in another country sometimes the body can not fight off the infection so easily.

Let's say that the boss has given you a chance of a lifetime to fly overseas for several months as an expatriate to further develop parts of the business. You and your corporate peers have certain rights as business travelers. What will you do if you contract an illness? What happens if there is an accident and you are severely injured? Will you be able to be cared for immediately? Does the country have the right technology of health care? These are all important questions to know before you go.

Often in the Middle East, patients who are not citizens are expected to pay out of pocket expenses in cash prior to any treatment. Also, there are often very little to no health care practices in some parts of the Middle Eastern society. Health care in the Middle East is a growing in technology due to high population, funding for health care reform, and the roll out of mandatory health care. Biomedical technologists, physicians, and pharmacists are working hard to strategical marketplace of medical technology to increase health care coverage. Yet, some medical facilities have been compared to still being primitive subsidiaries at best. As an expat it is of great significance to know what your rights are as someone with health insurance. We would all like to believe that the level of health care is standard across the board. However, the harsh reality of avoiding health hazards is that having a health insurance will guarantee a higher level of care in many facilities.

Using an expat insurance helps to insure you can receive the right care while away as a business traveler overseas. The medical benefits often cover you to return home for treatment or recuperation . This is especially important if while you are overseas, treatment is not what you had hoped it to be. Some plans even cover injury and income replacement as business travelers. You can even arrange an emergency evacuation for medical treatment.

The good thing about expat insurance is that it is temporary and only needs to be paid during the time you are overseas. Once you have returned home, the coverage can be discontinued. If your stay seems to be longer than your original plans many insurances will extend your expatriate care.

Health hazards and Healthcare in South America
Everyone in the world wants to have reliable health insurance. The need to stay healthy is a primary gold of almost every individual on the globe. Each country has a health insurance system that is special in a sense. Expatriates are flocking to South America on dental holidays getting dental procedures that might cost a fortune in their own countries. In South America you may find many medical experts in one place, and medical care is actually more affordable than health insurance care overseas. The relationship with the doctor who sees you and gives you your results is closer, and you can see the doctor right away in most cases.

In South America the health insurance system is not as rigid, making it more accessible to the general public. To top that off medical procedures are so reasonable you can pay for them out of your everyday cash. It is possible to decide what medications you need and get it without a prescription. You really get to participate in your healthcare treatment when you see a physician. No system is perfect in its use, but South America has made an effort to make sure all of its people have access to health care.

The diversity of medical services in South America South draws millions of business travelers each year. Medical facilitators are competent professionals, but clearly, cheaper is not always better. Under the best of circumstances things can go wrong. If you are from a place other than South America, should there be a problem the language barrier could be a serious obstacle.

Health Hazards
In light of good health care there are still many health hazards in South America that you must protect yourself from, Diarrhea, Malaria, Rabies, Tuberculosis, Typhoid, Aids, and a host of other serious illnesses lurking for the unsuspecting.

Recognizing that you are not in Kansas anymore will help you protect yourself. Wash your hands and be careful of what you put into your mouth. Remember raw fruits need to be washed thoroughly with purified water, and do not eat everywhere. Most people enjoy a good meal, but do not eat half cooked or raw food it could make you very ill. Be very particular about your stomach, and where your food is coming from. Don’t eat the ice, ice is water and if it is not purified you are in for a very uncomfortable trip.

When traveling to South America there are many health issues to consider. In some areas sanitation facilities may cause problems and you must be prepared to protect yourself as much as possible. Vaccinations are generally given before traveling to various countries but it is up to you to make sure you have the necessary inoculations.

Most have heard of Montezuma’s revenge, in a word, Diarrhea. If you eat food that is bad, getting sick is the result. Malaria, Yellow fever Rabies, Tuberculosis, Aids and many other illnesses can be contracted by unwary visitors. Add sexual diseases to your list considering the sexual vacations available, precautions must be taken.

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