For executive expats living and working in a foreign country, health insurance is not just a nice-to-have — it’s a critical safeguard for your wellbeing, your career, and your family. Whether you’re relocating for a leadership role or managing regional operations overseas, understanding how to secure the right international health insurance is key to ensuring peace of mind and business continuity.
So, you might be wondering, “how do I get health insurance in a foreign country?”. Here’s what you need to know.
1. Start With Your Needs — Not Just the Policy
Executives often lead fast-paced, high-pressure lives. If you’re balancing demanding work schedules, international travel, and family responsibilities, your coverage needs to reflect that.
Ask yourself:
- Do you need global coverage or only for your host country?
- Should your policy include direct access to private hospitals and specialists?
- Do you want access to executive health check-ups, mental health services, or concierge support?
- Are you covering family members or just yourself?
Getting clear on your priorities helps ensure your policy actually works for your lifestyle — not just in theory, but in the moments that matter.
2. Choose the Right Type of Policy
There are generally two types of options for expats:
A. Local Health Insurance
- Often cheaper, designed for residents of one country.
- May not cover treatment outside the country or provide international evacuation.
- Limited access to top-tier hospitals or English-speaking providers.
B. International Private Medical Insurance (IPMI)
- Designed specifically for expats and frequent travelers.
- Offers global coverage, including treatment in your home country.
- Includes direct billing, emergency evacuation, and premium medical networks.
For executives, IPMI is usually the best fit — it offers portability (more on this at point 4), flexibility, and the kind of access needed when time and service quality matter.
3. Work With a Broker, Not Just a Brand
Many executive expats make the mistake of going directly to a big-name insurer, but the best move is to work with an independent broker who specializes in expat coverage.
Why?
- Brokers compare plans from multiple insurers like Allianz, Now Health, Bupa, and Cigna.
- They help you navigate exclusions, especially for pre-existing conditions or high-risk zones.
- You’ll get support in choosing a policy that fits your contract, visa status, and region.
- You won’t pay extra — insurers typically cover the broker’s fee.
A good broker will save you time, prevent costly mistakes, and advocate for you if you ever need to claim.
4. Consider Portability and Long-Term Needs
Your current assignment may be in Thailand, Singapore, or the UAE — but what about your next one? Or when you return home?
Make sure your policy is portable, meaning you can keep it if you move countries without reapplying or losing pre-existing condition coverage. This is especially crucial for executives with families or developing health needs.
5. Don’t Wait Until You’re Sick
Many insurers require underwriting, which means they assess your health before offering coverage. If you wait until you’re already managing a condition, you may face exclusions or outright denial.
The best time to buy health insurance is when you’re healthy. If you’re in your 40s or 50s and managing an international career, waiting too long can limit your options significantly.
6. How to Get Started Today
If you’re an executive expat looking for quality health insurance abroad:
- Step 1: Use the button below to share your details.
- Step 2: Share your health profile, travel needs, and location(s).
- Step 3: Receive tailored options from top-tier insurers.
- Step 4: Choose your plan, complete underwriting, and activate coverage.
Final Thought
How Do I Get Health Insurance in a Foreign Country?
Your health is your greatest asset — and as an executive expat, your coverage needs to reflect the level of responsibility you carry. A well-structured international policy ensures you’re never caught off guard, no matter where business (or life) takes you.
Ready to explore your options?