Why should you take out specialized insurance for moving abroad as an emigrant or an expat?

What is an emigration insurance and what is an expat insurance?

• Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
• Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.
• Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
• Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

Why should you take out specialized insurance for emigration or working as an expat abroad?

• Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
• Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
• Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
• Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
• Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
• Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
• Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

What is important to insure when you are going to move abroad?

• That you have insurance that is valid in the country or countries where you are going to live and/or work.
• That you are adequately insured for the sports and activities you are going to participate in during your period abroad
• That you are insured for emergency assistance and early return if something happens to you or your immediate family.
• That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
• That you are well insured against personal liability.
• That you are well insured in case of accidents.
• That you pay close attention to choosing the right coverage when performing work with additional health risks

Check out more about international insurances

• Why and where to take out travel and health insurances for abroad
• Why and where to take out insurances that cover medical expenses abroad
• Insurance for expats and emigration abroad when you are Dutch