How does expat insurance work?
Who covers you? Your country of residence or the country in which you were born? What does expatriate insurance cover?
Expat insurance is insurance for people who either choose to live in a foreign nation (such as people who retire and choose to spend all or part of their retirement living abroad rather than in their own nation) as well as people whose job requires them to live and work in a nation other than their own.
Insurance can be purchased to cover things like medical expenses, automobile liability, personal property and homes. These policies are similar to the types of policies routinely purchased by Americans living in the United States.
Since laws vary from nation to nation it is important to understand what is covered and what is not covered by the policy.
Health insurance coverage can include evacuation coverage which covers the cost of transport from a less developed nation back to the U.S. or other nation with more advanced health care services than the nation where the expat is residing.
Many large insurance companies, both U.S. and foreign, offer insurance policies for people who live in a nation other than their own and expats can choose which company they wish to purchase their insurance.
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