Preparing for Expatriation: A Complete Checklist for Adequate Insurance Coverage

Expatriation is an exciting adventure that opens up new personal and professional perspectives. However, it also comes with its own set of practical challenges, especially when it comes to the crucial issue of insurance. Adequate insurance coverage is essential to ensure your safety and peace of mind during your time abroad. In this article, we’ll take a close look at the different types of insurance to consider when preparing for expatriation, as well as a detailed checklist to guide you through the process of selecting your insurance.


Insurance for Expatriation


1. International Health Insurance:

One of the most important aspects to consider when preparing for expatriation is international health insurance. First, check whether your current health insurance offers coverage abroad. If not, it’s crucial to take out international health insurance that provides you with comprehensive coverage for medical expenses, consultations, medications, and hospitalizations abroad if needed. When looking for international health insurance, there are several things to consider to ensure that you are opting for the best possible coverage. Here are a few things to keep in mind:

Assessment of your medical needs:

Before choosing health insurance for your expatriation, assess your personal medical needs as well as those of your family. Consider pre-existing conditions, regular treatments, allergies, and other specific needs.

International coverage:

Opt for expat health insurance that offers comprehensive international coverage. Make sure the coverage includes medical care, consultations, medication, hospitalisations, and dental and optical care abroad. Fees vary greatly from country to country, and can be particularly high in some countries: The most « expensive » countries are the United States, Japan, Switzerland, the Emirates, and even China in some regions.

Medical repatriation insurance:

Check that your health insurance includes medical repatriation insurance. This benefit is essential in the event of a serious medical emergency, allowing you to be evacuated to your home country or to an appropriate medical facility.

Understanding Medical repatriation insurance

Compare offers:

Compare the different expat health insurance offers available on the market. Consider the coverages, reimbursement limits, exclusions, and additional options offered by each insurer.

Compatibility with the CFE:

If you are eligible for the Caisse des Français de l’Étranger (CFE), consider taking out expatriate health insurance in addition to the CFE. This will allow you to benefit from full coverage while retaining your rights to French social security.

Understanding CFE

Medical network:

Find out about the medical network offered by the insurer in your country of expatriation. An extensive medical network will make it easier for you to access quality care providers, whether public or private.

The insurer’s medical network is an option, not an obligation. You will retain the freedom to choose the facilities and health professionals you like, according to your personal criteria.

Additional services:

In addition to the basic coverage, check if the insurer offers additional services such as teleconsultations, prevention programs, online management tools, etc.

Evaluation of local medical costs:

To avoid an unpleasant surprise, find out about the medical costs in your country of expatriation. Some countries have higher medical costs than others (for outpatient medicine, hospitalisation, consultations with a specialist, dentist, etc.), which can influence the level of coverage you need.

Flexibility and scalability:

Choose an expat health insurance that offers flexibility and scalability. Your health needs can change over time, so it’s important to be able to adjust your coverage accordingly.

Preparing Insurance before Expatriation

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2. Travel Insurance:

Another important consideration when preparing for expatriation is travel insurance. This insurance is essential to cover any unforeseen incidents that may occur while travelling abroad. Opt for insurance that covers a full range of situations, including trip cancellation fees, flight delays, lost luggage, and other unforeseen events. This coverage gives you extra peace of mind knowing that you are protected against eventualities while travelling abroad.

3. Liability insurance:

To protect yourself in the event of damage or injury to others during your stay abroad, take out liability insurance. This coverage provides you with protection against third-party claims in the event of an accident or unintentional damage.

4. Home Insurance:

If you’re renting or owning a home abroad, make sure you have adequate home insurance to protect your belongings from damage, theft, and other risks. This insurance gives you peace of mind in the event of a claim or problem with your home abroad.

5. Car Insurance:

If you plan to drive abroad, check the car insurance requirements in your host country. Purchase car insurance that provides adequate coverage for your vehicle, including liability, property damage, and theft protection.


Preparing Insurance before expatriation

6. Life & Disability Insurance:

Life and disability insurance is also important to consider when preparing for an expatriation. This coverage provides financial protection for your family in the event of death or disability during your time abroad. Make sure you have enough coverage to meet your family’s needs in times of need.

7. Business Travel Insurance:

If your business trips are related to your expatriation, opt for a business travel insurance that covers business expenses, financial losses, and other risks related to your business travel. This coverage provides you with additional protection during your business trips abroad.

In short, a successful preparation for expatriation requires careful planning of your insurance coverage. By following this checklist and choosing the right insurance products, you can ensure a safe and worry-free expatriation. Don’t hesitate to consult an insurance broker who specialises in expatriation for personalised advice and to find the best cover for your specific needs.


Business insurance for expats



Best Websites for Expats


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