Why get a comprehensive expat health insurance? Explore 5 reasons

Written by John W.

 With day-to-day life often feeling like routine, we tend not to think of the risks it involves.  From the everyday dangers of accidents to the many health conditions associated with the environment, lifestyle choices and aging; there are many risks to consider.  

Even for expats who have never had any medical difficulty in the past, any one of these situations could turn your life upside down – particularly if you don’t have a safety net in the form of a comprehensive personal health insurance policy.

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Here are 5 reasons why you should consider getting a comprehensive health insurance policy: 

1. It opens the door to expert medical care at private hospitals 

Even in the more developed Southeast Asian countries, such as Thailand and Vietnam, local medical care at public hospitals, while generally affordable, often leaves much to be desired.  In countries like Myanmar, Cambodia and Laos, public hospitals are typically substandard and are best avoided when seeking treatment.  Private hospitals tend to charge much more for better service, and their care becomes much more accessible for those covered by a comprehensive private health insurance policy.

2. It provides complete peace of mind 

Mental well-being is a necessary element of good health, and the knowledge that you have excellent insurance can help reduce stress, especially at those crucial moments when you need medical attention.  By preventing any major ‘surprise’ costs from a health condition, quality expat health insurance can set your mind at ease in a way that nothing else can.

3. It dramatically lowers your medical costs

Particularly if other family members depend on you and your income, any serious accident or illness could be devastating for your household unless you have insurance.  If you are the only income-earning member of the family, it becomes imperative to get yourself health insurance at the earliest opportunity, to keep costs down and your finances in good shape.

4. It allows better financial planning

Imagine that you are not covered by a comprehensive health insurance policy, and you need to pay huge medical bills with money that you wanted to use toward buying a car or a new home.  Spending a bit of money on insurance beforehand can help you make clear and reliable financial plans for the future.

5. It’s the smart solution

Sooner or later, we all learn one valuable lesson in life: Don’t gamble something if you can’t afford to lose it. By the time something has gone wrong, urgent care may be needed and it is already too late to go shopping for insurance.  But since we never know what the future will truly bring, the only reasonable time to buy insurance is before you need it.

How to Get Started

In the past, searching for medical insurance in Southeast Asian countries such as Thailand, Cambodia and Vietnam is often complicated.  

At Luma Health Insurance, we offer uncomplicated and honest consultations whether by email, phone or in-person. 

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Get in touch with our advisers today.  

Get a Free Consultation