Home Country Coverage

For many expats, life abroad is only part of the story. Holidays, family visits, or even eventual repatriation bring you back home. That’s when home country coverage in your international health insurance becomes critical — because medical costs don’t stop when you cross borders.

Why It Matters for Expats

Dual exposure: You’re not only at risk in your host country. A simple accident while visiting family in France, the US, or the UK can cost thousands without coverage.
Employer plan blind spots: Many corporate health plans exclude medical expenses incurred outside your country of assignment — including your home country.
Repatriation & retirement: Returning home without seamless coverage can trigger exclusions or waiting periods for pre-existing conditions.
Short visits, big bills: Even a two-week holiday can expose you. A broken arm in the US, for example, may cost USD 7,000–10,000 without insurance.

What’s Typically Included

Home country coverage varies widely across insurers, but can include:

Emergency treatment during short visits back home.
Limited-duration cover (e.g. 30–180 days per policy year).
Full coverage if you permanently repatriate, depending on the plan level.
Continuation options: Some insurers allow you to convert expat plans into domestic ones without new medical underwriting.

Watch out: Some insurers exclude home country cover altogether, or only reimburse for emergencies — not routine care.

Example Scenarios

A German expat in Singapore broke his ankle while skiing back home in Austria. His plan’s 90-day home country coverage reimbursed the full USD 5,500 hospital bill.
An American professional in Dubai returned to the US for six weeks; her employer plan excluded home-country claims, leaving her uninsured until she upgraded to an international policy with full home cover.

How ExpatFinder Helps

We compare across Allianz Care, April International, Cigna Global, Bupa Global, MSH International, and more to reveal the real scope of home country coverage. Some policies provide only emergency protection, while others offer flexible durations or repatriation options. As brokers, we ensure you know exactly what your plan includes before you board the flight home.

Your home country isn’t risk-free — it’s often where expats face their biggest coverage gaps. With the right plan, you can visit family or even move back permanently without losing protection. ExpatFinder helps you secure home country coverage that keeps you protected, wherever life takes you.