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health insurance in Asia

Understanding the importance of health insurance in Asia

If you’re moving to Asia as an expatriate, it’s important to understand the differences between local healthcare systems. Each country has its own specificities, and without the right mutual insurance, medical expenses can quickly become a headache. It’s best to plan ahead and choose health cover that will give you peace of mind should the need arise.

Why take out a health insurance policy in Asia?

In Asia, each country has its own healthcare system, with widely varying levels of quality. In some destinations, you’ll find modern, well-equipped hospitals, while in others, access to care may be more limited. And beware of medical costs: in private clinics, bills can quickly escalate, making a good mutual insurance company essential to avoid unpleasant surprises. In China, for example, the average cost of a consultation with a general practitioner is €60, and double that for a specialist.

By taking out a health insurance policy, you can be sure of access to the best care without fear of exorbitant bills. In the event of accident or illness, you’ll benefit from care in quality establishments, without having to worry about unexpected expenses. It’s also a guarantee of peace of mind, with additional services such as repatriation assistance or civil liability, which can make all the difference away from home.

How to choose your health insurance in Asia?

Finding the right health insurance in Asia shouldn’t be left to chance. Your coverage must be in line with your personal situation, the country you’re moving to and your specific needs. Before signing a contract, check that your insurance covers all the essentials: medical consultations, hospitalization, dental and optical care, and even maternity if this concerns you.

Location also plays a key role. Some mutual insurances are designed for Southeast Asia, covering countries such as Thailand, Vietnam or Indonesia, while others offer more extensive protection. And don’t forget reimbursement ceilings: depending on the contract, they can influence the amount of care you receive and impact your budget.

Another criterion not to be overlooked is the care network. Access to partner hospitals and clinics simplifies the management of medical expenses, avoiding the need to advance large sums of money. Finally, services such as 24-hour assistance, teleconsultation and repatriation can prove invaluable in the event of unforeseen circumstances. It’s better to plan ahead and choose a mutual insurance company that offers you peace of mind and security, rather than face a nasty surprise!

Examples of health insurance plans for Asia

If you’re moving to Asia, there are a number of companies offering expatriate health insurance:

• SPVIE Assurances: flexible solutions for expatriates in Asia and Oceania, with cover adjustable to your needs.
• ACS Health in Asia: comprehensive coverage for expatriates in South-East Asia, including hospitalization, routine care, maternity, optical and dental care.
• APRIL International: 100% online enrolment, rapid reimbursements and assistance available 24 hours a day for peace of mind while abroad.

Comparing these offers will help you choose the mutual insurance plan best suited to your situation and destination.

Expatriate health insurance for your trip to Asia

For anyone planning to settle or travel in Asia, it’s essential to take out the right health insurance. With a good mutual insurance plan, you can be sure of access to the best care while avoiding unpleasant financial surprises. Medical expenses can quickly add up, especially abroad, so it’s best to be well covered. Take the time to compare the different offers to find the one that best suits your situation and needs.