Healthcare for Expats & Overseas Buyers: A Complete Guide

Insurance Options for Expats

Most expats rely on insurance at least initially. Here are the main choices:

Local Private Insurance

Policies sold by local insurers, often cheaper than global plans.

Cover is usually limited to in-country treatment.

May be required for residency permits (e.g. Spain, Portugal, Thailand visas).

International (Global) Health Insurance

Covers you across multiple countries, including repatriation and evacuation.

Often includes elective treatment, maternity, and specialist care.

Premiums are higher but flexibility is unmatched — ideal for retirees who travel often.

Travel/Short-Term Insurance

Suitable for short stays or digital nomads.

Covers emergencies, but not long-term or routine care.

Employer-Sponsored Plans

Common in the UAE and Asia, where employers are legally required to provide cover.

Check carefully what’s included: dependents, maternity, chronic conditions, and coverage area.

Risks and Gaps Expats Should Plan For

Visa requirements: Many countries (Thailand, UAE) will not grant a visa without proof of insurance.

Exclusions: Pre-existing conditions, maternity, dental, and mental health are often excluded or limited.

Upfront payments: In some countries, you must pay hospitals before treatment unless your plan has direct billing.

Evacuation: In countries with limited facilities, medical evacuation may be necessary (often costing tens of thousands without cover).

Premium inflation: Insurance costs rise with age — a key factor for retirees.

Documentation: Hospitals may need translated medical records; keep a digital copy.