Do Expat Families Have Health Insurance?

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Health insurance coverage
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Do Expat Families Have Health Insurance?
We're occasionally asked if we have health
insurance coverage and how that works for a
travelling family. To cut to the chase, yes we
do, but we did quite a bit of research before
finalizing our decision and finding the solution
that was right for us. Technically Mickelle is a
volunteer teacher at the LIFE School and I'm
self-employed so we're on our own with regards to
health insurance. We've met expats that don't
have insurance and others that do.  In the
end it's a personal decision each individual or
family needs to make based on risk tolerance,
their current health, personal finances and other
factors.
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Pros of NOT Having Health Insurance You don't
need a doctor's prescription for medicine. You
just tell the pharmacist the name of the drug you
are looking for and, assuming it's in stock,
they'll sell it to you. You save money
each month because there are no premiums. Yes,
you'll have to pay the full expenses for anything
you need, but as I already mentioned, it's
typically cheap. On the extreme end, we know a
boy who contracted Typhoid Fever and
the medications for his treatment were over 100.
Even if something this unfortunate were to occur
to my family once a month, it would still be
cheaper than paying monthly premiums.
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Cons of NOT Having Health Insurance While my Mom
and our kids have received good care for very
little money, they were not critically ill or
injured. If they were, the costs would have been
much higher and we'd potentially run the risk of
making trade-offs on our healthcare or risk
financial instability.  If something really bad
were to happen and you could not afford it, you
might be putting an unintended burden on your
close friends or family to help offset what you
can't cover. Thus putting them at risk for
financial instability as well. These cons
are the reason we decided to purchase health
insurance. Our thought process is that you don't
need it, until you REALLY need it. Admittedly,
this is not a universal feeling of ours, i.e. we
don't have car insurance.
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Health Insurance Options Getting health
insurance as an expat is easy. You go online and
buy it. The process is straightforward but just
like buying any insurance there's more than one
choice and you need to read the fine print in
order to properly weigh your options. 
In general we are a healthy family. We stay
active, the adults eat healthy (the kids eat like
kids), and we rarely get sick. Because of this
we knew that whatever insurance we purchased
would rarely be used.
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• To Know more details on Health Insurance
  Coverage
• https//www.bajajallianz.com/Corp/health-insur
  ance/health-insurance.jsp

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