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Protect Expatriate Family

Starting with straight health insurance for you and your family you may then need to consider both critical illness insurance and income protection. Making sure that you have the important insurances in place will afford you greater peace of mind coupled with greater security as a family.

Personal peace of mind will enable you to get on with enjoying your time abroad and allow you to concentrate on establishing long term financial freedom.

Health insurance

In terms of health insurance, it’s essential to make sure that you and your family are covered in your new country of residence and also when travelling.

Always make sure that you are comfortable with any restrictions or limitations of policies recommended to you, and any excess you may be liable for in the event of a claim.

Medical costs differ greatly around the world, as do the standards of treatment available. Find out what services are available in your country of residence, what your expatriate insurance covers you for, and always make sure that you have the option to repatriate in the event of an emergency.

There are so very many companies offering health insurance to expatriates in the marketplace today and all come with features, benefits, exclusions and exceptions.

I would recommend that you speak to a financial adviser to find out what your best options are depending on your personal needs and those of your family.

With something as precious and essential as your health are you prepared to accept second best?

Know what’s available and be a smart buyer!

Critical illness insurance

Critical illness insurance can take away stress and financial strain if ever you are incapacitated through serious illness.

Financial expenditure and outgoings will not cease if you are taken ill: your ability to provide for your family will however cease. Critical illness insurance is designed to payout in the event that you are unable to work due to serious and ongoing illness.

Income protection insurance

Income protection insurance may also be available to you and of interest. This insurance is used to replace a percentage of your income if you are unable to work through injury or illness.

Life Insurance

As an expatriate living in a ‘foreign’ country there are many uncertainties, upheavals, unknowns and concerns especially when it comes to fiscal matters.

Life insurance is one of the most important products when it comes to peace of mind. You want to protect your loved ones in the event of your death – protect them financially and emotionally.

For your family to maintain the same standard of living in the event of your death you have to make sure that you have the correct type and level of life insurance.