Friday 3 July 2015

"As healthy as a horse" - and what happens IF ...? Expats and Healthcare. Be prepared !




Good afternoon !

In all likelihood, if you are in the phase of packing for your new homeland or if you are already there, I believe you have already your medical record with recent medical exams with you and even more they are already translated in the country's official language.
Even if the results of those medical exams show that you are as healthy as a horse, even the most innocent flu may cause you a disruption to the procedure either to take some medication or to visit a doctor or a hospital.

Each country has its own healthcare system with specific services provided and there are clear differences that you should absolutely know before you need them. So while a country healthcare system may offer services free of charge, another one may use private insurance companies. 
Do not go unprepared and as in the case of private insurance companies the premiums could be quite dear, you should take into consideration both the cost issues you have to face and your rights and responsibilities as a policyholder, especially one by a foreign country.

It is important to ensure that you and your family have the appropriate healthcare provisions in place.  This should be a priority and there is no sense to "do it later". As I mentioned above, even the simplest accident or cold could cost you hundreds or thousands of pounds/euro/dollars if you are uninsured.  Be sure once again, that you make this research in advance, so to have all the time you need and budget any possible cost.  Take as many information as possible, ask help from the company you're going to work or from other expats (visit online expat forums, or contact the local expat community, etc).

Among all the issues you should take into consideration before relocating, how you and your family will be covered for any medical condition should be on top of your priorities.

"Prevention is better than cure" - Literally and figuratively !