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Private Insurance: National or International?
One disadvantage of taking out private insurance in your host country is that the language barrier may prevent you from understanding your policy documentation. The same might hold true if you want to talk to a customer service representative.
If you are living in a country where health insurance contributions are paid in part by your employer, however, they may not be legally obligated to pay anything if you have international, instead of national, health insurance. And even if they are willing to cover a percentage, dealing with an international company may cause administrative and taxation challenges for your employer.
Long-Term Planning
If you have made the decision to live abroad for an extended period of time, maybe even the rest of your life, then you need to consider your long-term healthcare needs, not just your immediate ones. Although international insurance companies may offer lower premiums than the ones in your host country, there is a reason for this.
International health insurance premiums often increase steeply with age. National private insurance companies in your host country, on the other hand, often take this into account and charge higher premiums when you are younger so that the cost of health insurance doesn’t skyrocket when you reach retirement age.
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