Medical Care & Insurance for the Expat by toriola1


									                                              Presented by Daniel Toriola

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                                           Medical Care & Insurance for the Expat
                                                            By Peter Garant

   There are all sorts of insurance available for the expat today, and the key is being able to choose
the one that bests suits your needs. The following can help serve as a guideline to get you started.

Travel Insurance

 For those that move around frequently, travel insurance is a must. When choosing one, make sure
that they include the following options: first they should shoulder some of the costs of your travel in
case something goes awry (cancelled flight, lost luggage) or even financial loss (in case of a natural
calamity). Some of the better travel expat insurance plans even have health coverage options.

Sports Insurance

 The growing popularity of extreme sports like bungee jumping, rock climbing or skiing among
expatriates has given rise to extreme sports insurance. If you are the type who is into sports and other
activities, you might want to get this type of coverage. However, different companies cover different
types of sports, so be certain that the policy you buy covers you and your sport of choice.

International Auto Insurance

 If you find yourself using your car very often to move from one country to another, then it might be best
(and also in most places mandatory) to get insurance for your motor vehicle. There are now several
firms offering these services so it is only a matter of finding the one that is most appropriate for your

Health Insurance

 If you prefer to have a separate expat health insurance, it is best that you select the one that matches
your expectations and necessities. Most countries, especially in Europe, have plenty of expat health
insurance, but it is crucial that, as with all other types of insurance, that you read the fine print. Don’t
buy coverage you will not need.

Insurance Companies for Expats

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                                              Presented by Daniel Toriola

 There are currently several insurance companies that can provide and cover all the needs of the
expat. Some of the most widely known are the following:

 Expat Financial: this company provides health, travel, disability and life insurance policies for

 TFG Global Insurance Solutions Ltd offers insurance for expatriates working in high risk countries like
Iraq and Afghanistan.

 Alexander Forbes World Service is an arm of the Alexander Forbes Insurance Agency ('AFIA'), which
specializes in offering motor insurance.

 Rupa is a health insurance company for expatriates, offering both individual and group policies. EOS
Risq is both an insurance and risk management consulting firm, and widely known in Europe; another
well renowned company is Expat Plus, which offers extensive coverage for expats whose home or
current location is in Europe.

 All Aboard Benefits is a medical insurance company that is aimed at a broad market, including
frequent travelers, and also students that are studying abroad. The Innovative Benefits Consultants is
an insurance / broker / consultant that focuses on expats that travel frequently and are always on the

 Health Care International is a medical insurance company that covers everything from the most basic
health issues to the most advanced and complete coverage an expat would want for themselves and
their family.

 When deciding which insurance is for you, it is always best if you first have a clear understanding of
your health, your line of work etc, so that you will get the best deal possible for yourself and family.

Peter Garant is writing articles about Expat Insurance ( ) for a site about ( ) how to write a resume.

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                                                                                                           Page 2
                                             Presented by Daniel Toriola

                                                    Living as an Expat in Asia
                                                                By Kim Hald

Living as expat in Asia can be both a challenge as well as an interesting and meaningful change.
Those who have sampled life in Asia have met both the lavish exotic delights offered by tropical
countries and the like and exotic ways of life. One must take note that life in Asia is never really meant
for everyone. Some people from the west find it quite difficult to live as an expat in Asia while some
have no problem adjusting.

Asian Climate

 One of the challenges in living as an expat in Asia is adjusting to the climate. Since Asia is the largest
landmass in the world you can expect a wide variety of climates depending on which country you
choose to live in. A lot of the countries you'll find within this continent have humid tropical weather. It
can come as a welcome treat to those who crave for such type of weather. However, the tropical
summer heat can be quite challenging.

 Other than wet and dry tropical weather, another huge challenge comes in the form of monsoon rains
and devastating typhoons. You'll get the most of the year's rain fall if you choose to live within the East
Asian region. Rainy months in this region fall from April to October. However, you should expect some
countries to experience continued monsoon rain showers extending to November and even up to
March. It is also interesting to note that some places around the Arabian Peninsula would experience
no rain lasting for quite a few years.

Forms of Government

 Another thing you have to cope with living as an expat in Asia is a possible difference in the form of
government you are familiar with. You'll find commonwealths, republics, monarchies, and socialist
republics to name a few. Of course, if you're unfamiliar with such forms of government you would have
to find a way to adapt to such political form of leadership.

 One of the important issues that you'll have to face with regards to your relationship to a country's
government is that of its tax system. If you plan to start a business while living as an expat in Asia, you
should get acquainted with various tax laws. Take note that if you plan to work in an Asian country
while living as an expat, you should do some research first. It is no secret that there are Asian
countries where finding work will become a big disappointment.

Medical Care

 Medical care is one of the big issues for those living as an expat in Asia. Countries that are located
near the equator may expose you to many diseases uncommon in western countries. For instance,
there are Asian countries that report instances of rabies, malaria, and dengue fever. Again, it does pay
to get some background info on medical care available in a particular country.

Cost of Living

One of the boons of living as an expat in Asia is the lower cost of living. Goods and services in Asia,

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                                                 Presented by Daniel Toriola

for the most part, are generally quite affordable. Huge expenses will usually come in the form of rent
and medical care. If you choose to live in rural areas then expect everything to be a lot cheaper than
living in urban areas in Asia.


 As with other regions of the world, living as an expat in Asia will require you to adjust to a particular
country's culture. However, you shouldn't expect to find extremely bizarre traditions or beliefs, though
some of the things you'll see may seem out of the ordinary.

 Living as an expat in Asia can be both a pleasure and a challenge. Knowing the challenges, some
background research, and a bit of heart, you will prepare you for the changes you have to cope with.

Kim Hald is writing travel, information, visa and economics for Expats articles for both 'Expat Indonesia' Info and 'Expat Macau' Info web sites.

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                                                                                                                          Page 4
                                             Presented by Daniel Toriola

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