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Expat health insurance

VinceVN
#1
Greetings -

How do you expats deal with health insurance? Is there a universal insurance policy that I can buy that will work in most of Asia countries?

TIA.
See also
L
#2
It's worth checking with some of the major insurance companies such as Prudential, Alliance, AXA etc as they might have such an insurance.

I contacted Prudential recently (in Malaysia) about a week ago asking the same question and they do have one that covers the Asia region, but it's quite expensive. I believe the premium they quoted me was around US$8,000 per year which is beyond what I am willing to pay as I am not working. But perhaps the premium is less if you contact them in Thailand.
Straydog
#3
I think April International and Cigna Global offer regional plans but it will cost you more.聽 You might consider single country plan and use travel insurance when you visit other countries.
L
#4
My insurance covers me 100% in the country where I live (Indonesia) and gives percentage coverage for certain other countries in Asia such as 50% in Malaysia and 25% coverage in Singapore for hospitalization. The annual premium is still reasonable not unlike what many locals are paying.
Digitarius
#5
Hello

Who is your carrier? I鈥檓 looking for Coverage with a reasonable premium which I鈥檝e yet to find.

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VinceVN
#6
I contacted Cigna & GeoBue. They are relatively expensive in USD. Worldwide coverage except USA , no medical evac coverage. One can add those coverages to policy.

Cigna ==> Silver -- ~$375 / month --- Gold聽 -- ~$475 / month --- Platinum -- ~$675 /month
GeoBlue ==> ~$575 / month

The Cigna Gold has decent coverages. By the time adding on medical evac & basic US coverage, it would be around ~$625.

$625 x 12 ~$7.5K per year. What are the numbers that you are actually paying?

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