The essential guarantees in your expatriate health insurance contract



Hospitalization



Optics and dentistry



Routine medical care (doctors, drugs, tests...)





Repatriation assistance



Coverage in the event of hospitalization (worldwide third-party payer) which allows you not to advance medical expenses in the event of hospitalization



Legal protection



Reimbursement of medical expenses in the currency of your choice



Access to a multilingual call centre



Assistance in medical procedures



Expatriate health insurance full coverage

Local health insurance in Vietnam : best reviewed ?

The necessary guarantees according to the country of residence. Depending on the country in which you are going to be assigned, several parameters should allow you to select the right guarantees.Getting information on the cost of medical expenses seems essential. For example, Japan and the United States are known to have the most expensive medical expenses in the world, even for a commonplace hospitalization. The level of guarantees of your mutual insurance company must be adapted in relation to the countries where you will reside. Let us take the example of anwho want to find a good health insurance.Some countries, such as England, only reimburse health expenses correctly if they have been provided in a public institution. Access times are very long. Going to a private institution will shorten the waiting time but will increase the bill accordingly!It is therefore very important to find out about the medical infrastructure, as well as the level and quality of care provided in the country of expatriation. It is also essential to learn about the country's health and safety risks: food hygiene, water treatment, climate and the environment (for example, the risks of bites or stings), but also infectious diseases (malaria, dengue fever or hepatitis for example).This information will help you better understand the risks related to your health and allow you to adjust the level of your coverage. Finally, do not neglect the repatriation coverage which, often offered as an option, prevents you from leaving in a hurry in the event of an urgent need for return. Even if it is difficult to think of the worst when considering an expatriation, preventing risk is always the best option.The guarantees highly recommended in your expatriate mutual insurance contractFor example, a 2-day hospital stay following gastroenteritis in Thailand can cost you up to 900$usd: if you do not have additional expatriate medical insurance, the rest can be very high. Moreover, if you do not speak the local language, and you wish to be treated by a English-speaking doctor, you will often have to go to private practices where the fees for consultations are even more expensive.The first euro mutual implies the intervention of a private insurer. As its name suggests, this type of insurance means that health costs are covered from the first euro spent. There is no intervention upstream or downstream of any other organization. It is the one that exempts from all reimbursements. It is therefore essential to choose and study the different contracts thar cover all the expenses carefully because you will only rely on it for all your reimbursements of health expenses.Certain conditions apply to the purchase of expatriate health insurance "at the first euro". First of all, the minimum subscription period is generally 12 months.In addition, an international provident insurance (death, disability) can supplement it. This type of health insurance offers many options, allowing you to build your contract "à la carte", according to your profile, your professional situation and your expatriation destination.is an offer that allows you to be covered in your country of expatriation, but not only. Luma is one of them (it has been listed on this blog post from an expat living in Vietnam and using Luma for several years). So, if you move, your international medical insurance continues to apply and cover you. This option is a comfortable solution as it limits the administrative procedures in the event of successive moves. You stay protected wherever you are! In addition, it includes only one plan and therefore only one overall reimbursement.In case of the expatriation in Vietnam, you will have to contribute to the local regime. This first level is mandatory, even if you choose to subscribe to an international health insurance company in addition.To avoid unpleasant surprises, find out about the conditions for reimbursement from the health system of the country in which you are located. It may be very different from what you know in your home country.For example, when in Spain, a consultation with a general practitioner costs you €25, it will cost you an average of €50 for the same service in Dublin, knowing that Irish health coverage does not cover a doctor's reimbursements.