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Health and insurance during an international move

| Anna |

Zdrowie i ubezpieczenie w trakcie przeprowadzki międzynarodowej

International relocation comes with many challenges, including the need for continuity of healthcare and choosing the right health insurance. Here are some key aspects to consider.

Getting to know the healthcare system after the move

  • Health care system: find out whether the country you are moving to has a publicly funded health care system, a private insurance system or a mixed system. This will influence your insurance decisions;
  • Legal requirements: some countries require newcomers to have health insurance for the duration of their stay. Make sure you meet these requirements to avoid problems with your visa or residence permit.

Health insurance for expatriates

  • Insurance for expatriates: there are specific insurance policies designed for people living and working abroad. Such insurance policies often offer a wider range of cover and are tailored to the needs of international removals;
  • Comparison of offers: compare offers from different insurers, paying attention to coverage, insurance limits, choice of healthcare provider and coverage for possible repatriation costs.

Health insurance during the move

  • Continuity of care: before your new health insurance becomes active, make sure you are protected during the moving period. This may mean keeping your insurance in your home country or taking out additional travel insurance;
  • Travel insurance: travel insurance can offer temporary health protection, including cover for the treatment of sudden illnesses or accidents during international travel.

Medical preparation for removal

  • Prescriptions and medical supplies: secure enough medication for the duration of your move and the first weeks abroad. Make sure that the medicines you take are available and legal in your new place of residence;
  • Medical records: take copies of important medical records with you, including vaccination cards, medical histories, test results and prescriptions. This may make it easier to continue treatment abroad.

Language and culture of health care

  • Language barriers: consider insurance that offers support in the language you speak, especially in countries where the official language differs significantly from your mother tongue;
  • Understanding medical culture: medical culture can vary from country to country, affecting attitudes to privacy, medical decision-making or even the availability of certain treatments.

Szukanie pomocy i porad

  • consultation with experts: Consider consulting a health insurance or relocation counsellor to help you navigate the requirements and options available in your new home;
  • support from the employer: If the move is taking place as part of the job, the employer may offer to help with health insurance or even cover its costs.

Ensuring continuity of healthcare and choosing the right health insurance are key elements in planning an international move. Careful preparation and an understanding of the options available can make the process much easier.

Understanding local regulations and requirements after the move

Each country has its own unique health insurance regulations. For example, in some countries in the European Union, having an EHIC (European Health Insurance Card) may provide access to basic healthcare on a similar basis to residents of that country. In other places, especially outside Europe, full private health insurance may be required. It is therefore worth understanding exactly what the local regulations and requirements are in order to avoid unpleasant surprises and potential legal problems.

Financial planning for the move

Health insurance for expatriates can be expensive, but it is essential to ensure access to quality medical care and to protect against unexpected health expenses. When budgeting for an international move, it is important to consider the cost of health insurance. Sometimes the fees can be significant, especially if the plan covers a wide range of medical services or if it is for the whole family.

Access to specialised care

If you or someone in your family requires specialist medical care or regular treatment, it is important to check whether and how such services are available and covered by your insurance plan in your new place of residence. In some countries, access to specialists may require a referral from your GP, which can increase the waiting time for an appointment.

Health care for family members during the move

Moving abroad often involves entire families. If this is the case, it is important to ensure that the insurance plan covers all family members and is tailored to their individual needs. Children may require additional vaccinations according to the requirements of the new country, and pregnant women may require specialised prenatal care.

Liability insurance

It is also worth considering taking out liability insurance, which can be particularly useful in the event of unforeseen events, such as accidents, for which you may be held financially responsible. Although not directly linked to healthcare, it provides an additional layer of financial protection.

Dealing with formalities before the move

Before moving, it is essential that all the paperwork for health insurance is in place so that care is available from the first day abroad. This means not only taking out a policy, but also making sure that any required documents are translated and approved by the relevant institutions.

Psychological support during the move

International relocation can be a source of stress for many people. It is therefore worth checking whether your insurance plan offers psychological support or access to consultations with a psychologist. Access to such services can be invaluable in the process of adapting to a new environment. Remember that adequate preparation and understanding of the local healthcare system are key to ensuring peace of mind and health protection during an international move.