If you are relocating for your work, your employer will most likely take arranging health insurance cover out of your hands. Either you become part of an existing employer’s health care scheme, or your company will make the necessary arrangements for you within the confines of the national system.
However, before you make the move, take the time to research the health system in your host country so that you know the essential details of your health care insurance cover. Here are seven questions you should ask about health care before you leave on your expatriate assignment.
How does the health care system work in my host country?
Across the globe from the U.S. and Europe to Africa and beyond, health care systems and how they operate vary considerably. Some countries have both a public and private health care system. In some countries, an employer has an obligation to pay for their employee’s healthcare insurance. Other countries distinguish between foreigners living in the country and locals, and others treat the entire population the same.
In some cases, specific documentation is required for health insurance cover, and you may need to present proof of cover when you are going for treatment or using health facilities. Ask how your host country’s system works.
What is the standard of health care?
Health care systems across the world are certainly not equal. Ask about the standard you can expect in your host country, and if there are particular medical concerns within your family, discuss these with your company doctor or human resources department. General health care provisions may be excellent within a country, but specialist care may be lacking.
Depending on your location overseas, you should also ascertain your proximity to medical facilities and the availability of any prescription drugs you may need.
What are the associated costs?
Health care in the United States is more expensive than in Mexico. Even as a foreigner in New Zealand, you can expect some free medical services and if your health insurance is arranged within an employer’s scheme it is likely that your employer is contributing financially to the scheme too.
There are many issues associated with medical costs overseas, so make sure you have a clear idea about who is paying for what and the amounts involved. Not only do you need to know what your monthly premiums are for health cover, but also what costs you can expect in an emergency.
What cover can I expect from my health insurance?
Many expatriates want the reassurance that if medical treatment for more serious conditions is necessary, there is the option for repatriation to receive this. Similarly, check that your medical insurance scheme covers the cost of a medical evacuation.
Will language be an issue?
Medical practitioners in many countries speak English, but you should not assume that doctors in your host country speak your language. Ask your HR representative what you can expect concerning receiving care in your native language, or English as appropriate.
The same question applies to any help desk or customer service provisions by the insurance company.
What action do I need to take when I arrive overseas?
Though your employer may take care of medical insurance for you, you will still need to understand what is required of you regarding finding and registering with a doctor or general practitioner and a dentist, as well as locating any specialists you may need. Check if your medical insurance cover places any restrictions on the doctor or dentist you choose, or provides any assistance locating the facilities you need.
Check the opening hours of medical facilities like pharmacies, GP’s and hospitals so you are aware of any restrictions and differences before you arrive.
What do I need to do in an emergency?
In case of an emergency whilst you are overseas, you should know what action to take. This includes knowing the telephone number for the emergency services, the location of emergency medical facilities and the amenities that are available if required.
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