Prioritize Your Healthcare Abroad with ExpatDen

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Are you moving abroad and worried about accessing quality healthcare in your new country?

Here at ExpatDen, we’ve created comprehensive healthcare guides for expats living in countries around the world. You’ll find many of them listed at the bottom of this page.

But before you dive into those country-specific guides, take time to understand the essentials that apply to expat life anywhere in the world. This guide will help you navigate foreign healthcare systems, choose the right insurance, and ensure you’re prepared for medical needs abroad.

Throughout this guide, you’ll find practical advice to help you access quality healthcare while living internationally, no matter where your expat journey takes you.

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Contents

  1. Understanding Healthcare Systems Abroad
  2. Health Insurance Options for Expats
  3. Cost Considerations and Budgeting
    1. How Much Does Healthcare Cost Abroad?
    2. What Should You Budget for Health Insurance?
    3. How Do Currency Changes Affect Your Healthcare Budget?
  4. Quality and Standards of Healthcare
  5. Language and Communication
    1. How Do You Navigate Healthcare with Language Barriers?
  6. Emergency Medical Care
  7. Medications and Pharmacies
    1. Will Your Prescription Medications Be Available Abroad?
    2. What Are the Rules for Bringing Medications Across Borders?
    3. How Do Pharmacies Work in Different Countries?
  8. Finding Healthcare Providers
  9. Specialized Healthcare Services
    1. What Should You Know About Specialized Medical Care Abroad?
  10. Cultural Considerations and Medical Practices
  11. Documents and Medical Records
    1. What Medical Documents Should You Bring When Moving Abroad?
    2. How Do You Manage Your Medical Records While Living Abroad?
  12. Ten Tips for Healthcare Success Abroad
  13. Essential Reading for Expats Looking for the Right Healthcare
    1. Australia
    2. Cambodia
    3. Canada
    4. China
    5. Costa Rica
    6. Germany
    7. Global
    8. Indonesia
    9. Japan
    10. Malaysia
    11. Mexico
    12. Panama
    13. Philippines
    14. Singapore
    15. Spain
    16. Thailand
    17. USA
    18. Vietnam

Understanding Healthcare Systems Abroad

Public Healthcare Systems Most countries offer some form of public healthcare funded by taxpayers and government resources. These systems typically provide universal coverage to citizens and residents, often at low or no cost. Public systems vary in quality, with some offering world-class care while others face challenges with overcrowding and limited resources. Wait times can be significant for non-emergency procedures, and English-speaking staff may be limited outside major cities.Private Healthcare Systems Private healthcare operates alongside public systems in most countries, offering faster access to care with shorter wait times and better facilities. Private hospitals typically feature modern equipment, comfortable amenities, and English-speaking staff catering to international patients. Costs are higher than public options. Many expats who move abroad choose private hospitals for routine medical needs and rely on public healthcare for emergencies.

Health Insurance Options for Expats

Knowing your insurance options is crucial for getting healthcare abroad without draining your savings. Each type of coverage serves different expat needs and lifestyles.

  • International health insurance: Designed specifically for expats, plans like the one from Cigna Global provide coverage with yearly limits typically starting at US$1,000,000. You can seek treatment in multiple countries and often get medical evacuation coverage. But international plans exclude pre-existing conditions and require waiting periods for maternity care. They might not cover you for serious medical conditions.
  • Local private insurance: Offered by insurance companies like Luma in your destination country, these plans are affordable but provide coverage only within that country or region. It’s often easier to use local private insurance with the local healthcare system because they have direct billing arrangements with hospitals. Coverage limits are usually lower than international plans, but costs can be 50 to 70 percent less expensive.
  • Public health insurance: Many countries allow long-term residents and workers to join their national health insurance schemes. These programs offer the most affordable coverage, sometimes requiring only small monthly contributions or tax deductions. Public insurance typically covers basic medical needs but you may find it challenging to see specialists or get English-language services.

Your choice of insurance depends on your length of stay, travel plans, budget, and healthcare needs. Many expats use a combination of international coverage for serious conditions and local private options for routine care. 

For comprehensive guidance on travel insurance options, check out the CDC’s travel insurance recommendations and the US State Department’s insurance coverage information.

Below is a list of guides that will help you choose the right health insurance for your destination.

Cost Considerations and Budgeting

How Much Does Healthcare Cost Abroad?

Medical costs vary between countries and healthcare systems. Public healthcare in countries like Thailand or Malaysia can cost as little as US$2 to US$4 for basic doctor visits, while private hospital visits in these same regions may range from US$50 to US$200. Specialist care and procedures cost significantly less than Western countries. 

For example, MRI scans might cost US$200 to US$500 in Asia compared to US$1,000 to US$3,000 in the US. Emergency room visits typically range from US$25 to US$500, depending on the country and level of care needed.

You can check out ExpatDen’s health insurance comparison page for a better idea on costs and coverage.

What Should You Budget for Health Insurance?

International health insurance premiums vary by your age, coverage area, and medical history. Expect to pay US$1,200 to US$5,000 annually for comprehensive coverage, with costs increasing significantly after age 50. Local insurance options can cost 40 to 60 percent less but offer lower coverage limits. A 25-year-old might pay around US$1,500 annually for basic international coverage, while a 45-year-old could pay US$3,200 to US$5,800 for similar coverage.

How Do Currency Changes Affect Your Healthcare Budget?

Your healthcare budget may change as exchange rates fluctuate while earning in one currency but paying medical expenses in another. For example, if you’re earning US Dollars but living in a country where the local currency is stronger than the dollar, your healthcare costs increase. Just the same, if you’re earning US Dollars and live in a country with a weaker currency, healthcare costs decrease.

Quality and Standards of Healthcare

Healthcare quality varies both between and within countries. Major cities typically offer international-standard hospitals with modern equipment and highly trained doctors. Many of these doctors have studied or trained in Western countries.

  • Medical accreditation: Look for hospitals accredited by international organizations like Joint Commission International (JCI) or similar bodies. These facilities meet global standards for safety, quality, and patient care.
  • Doctor qualifications: Many doctors in popular expat destinations have international qualifications and experience. Don’t hesitate to ask about a doctor’s training and certifications, especially for serious medical conditions.
  • Technology and equipment: Private hospitals in major expat destinations often feature state-of-the-art medical technology, sometimes more advanced than what you’d find in smaller Western hospitals.
  • Medical tourism destinations: Countries like Thailand, Malaysia, and Singapore have invested heavily in medical infrastructure to attract international patients, resulting in exceptionally high standards of care. For comprehensive information about medical tourism considerations, check out the CDC’s guide to medical tourism.

Keep in mind that rural areas may have limited hospitals and underqualified staff. For serious conditions, you may need to travel to major cities or consider medical evacuation to countries with better healthcare options.

Language and Communication

How Do You Navigate Healthcare with Language Barriers?

As an expat, one of the biggest challenges you face with healthcare is language barriers. Medical terms are complex even in English, and miscommunication about symptoms, treatments, or medication instructions can have serious consequences for your health and safety.

If you’re moving to a country where you don’t speak the local language fluently, you need to prepare ahead of time. To overcome language barriers, follow these steps:

  • Learn essential medical vocabulary including terms for common symptoms, body parts, major organs, and medical emergencies in the local language.
  • Download reliable translation apps like Google Translate with offline capabilities, and test them with medical terms before using them.
  • Research English-speaking healthcare providers in your area, as many private hospitals in expat destinations hire multilingual doctors.
  • Prepare translated medical documents including your medical history, current medications, allergies, and chronic conditions in the local language.
  • Carry a medical information card with key health details, emergency contacts, and insurance information translated for first responders.
  • Identify hospital translation services as many international hospitals provide professional medical interpreters, though availability may be limited during emergencies.

You need to be able to communicate with healthcare providers because it could be a life and death scenario. So learn at least the basics of the local language before you move abroad.

Below is a list of guides that will help you learn the local language of your destination.

Emergency Medical Care

You can get emergency care regardless of your insurance status or ability to pay in most places around the world, though you will be billed afterward. You can save your life by understanding emergency procedures in your destination country.

  • Emergency numbers: Research local emergency numbers before you arrive. While 911 works in some countries, others use different numbers. For example, 191 in Thailand, 999 in the UK, or 112 in most European countries.
  • Hospital deposits: Many countries require upfront payment or credit card deposits before treating non-emergency conditions. Keep US$2,000 to US$5,000 available for medical emergencies, either in cash or on a credit card.
  • Medical evacuation: For serious conditions that require special treatment, medical evacuation can cost US$25,000 to US$100,000. International health insurance often covers this essential service.
  • Tourist police: Some countries have tourist police who can assist with medical emergencies and language barriers. They can help coordinate with regular emergency services and provide translation help.

Always carry ID, insurance information, and emergency contact details. Consider registering with your embassy or consulate for additional support during medical emergencies. 

To stay up to date, check out the CDC’s travel vaccine recommendations. Knowing WHO’s International Health Regulations can also help you understand health issues that could affect your travel.

Medications and Pharmacies

Will Your Prescription Medications Be Available Abroad?

Many prescription drugs available in your home country are also available abroad, often at lower costs. However, brand names may differ, and you might receive generic versions of medications. 

Some medications that you need prescriptions for in your home country are available over-the-counter elsewhere. Bring a list of your current medications with both brand and generic names to help pharmacists find local versions. 

But always check that you’re receiving the correct medication and dosage.

What Are the Rules for Bringing Medications Across Borders?

Research your destination country’s regulations before bringing medications into the country. Some countries have strict rules about importing certain drugs. Carry medications in original packaging with prescription labels, and bring copies of prescriptions from your doctor. 

Consider getting a letter from your physician explaining your medical needs. Declare medications at customs if required, and never attempt to bring illegal drugs across borders. 

For detailed info, check out the FDA’s personal importation guidelines and CDC’s traveling with medicine recommendations. The FDA also provides specific guidance for traveling with prescription medications to help avoid travel delays and complications.

How Do Pharmacies Work in Different Countries?

Pharmacies vary between countries. Some countries have strict prescription requirements, while others allow over-the-counter access to medications that you’d need prescriptions for elsewhere. Large pharmacy chains like Boots or Watsons operate in many countries and typically carry quality medications. Smaller local pharmacies may have limited English-speaking staff, so write down the medication names to avoid confusion. Many countries also have 24-hour pharmacies near major hospitals in case you need emergency medication.

Below is a list of guides that will help you understand how pharmacies work in your destination.

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Finding Healthcare Providers

You need to research and prepare when locating quality healthcare providers in a foreign country. Start by identifying potential providers before you need medical care.

  • Hospital networks: Research major hospital systems in your destination city. Private hospital chains often maintain consistent standards across multiple locations and may have established relationships with international insurance providers.
  • Expat communities: Connect with established expat communities through online forums, social media groups, and local organizations. Other expats can provide recommendations based on personal experiences with local healthcare providers.
  • Medical referrals: Ask other expats, your employer, or even hotel concierges for recommendations. Many international hotels maintain lists of English-speaking doctors and reputable hospitals for their guests.
  • Insurance networks: If you have international health insurance, your provider can recommend in-network facilities and arrange direct billing. This service is particularly valuable for emergency situations or when you need specialist care.

Keep a list of recommended doctors, hospitals, and pharmacies easily accessible on your phone and at home for quick reference during medical emergencies. To find qualified travel medicine providers, check out the International Society of Travel Medicine, which keeps a list of certified travel health professionals.

Specialized Healthcare Services

What Should You Know About Specialized Medical Care Abroad?

YYou’ll face different challenges when it comes to specialized healthcare services like dental care, maternity services, and mental health. You might not be covered for these services under standard health insurance plans, and access to these services could depend on your location.

If you need specialized care abroad, you have to research providers, understand coverage limitations, and plan for higher out-of-pocket costs. To be better prepared, follow these steps:

  • Research specialists in your new country, as some specialties may be located only in major cities.
  • Understand insurance coverage gaps since dental, mental health, and fertility treatments are often excluded from basic plans.
  • Plan for medical tourism options as neighboring countries may offer better quality or more affordable specialized care.
  • Get referrals from expat communities who have experience with specific specialists and can provide honest reviews.
  • Verify specialist qualifications and make sure they have appropriate training and certifications for your ailments.
  • Consider timing and waiting periods as some insurance plans require six to 12 months before covering certain specialized services.

Plan ahead to make sure you get access to specialized care when you need it most, whether for routine dental work, maternity care, or ongoing treatment for chronic conditions. For healthcare information while traveling abroad, check out the CDC Yellow Book.

Cultural Considerations and Medical Practices

What’s considered normal healthcare practices in your home country might be considered taboo in your new destination. You can avoid healthcare issues and avoid cultural misunderstandings by knowing these differences.

  • Doctor-patient relationships: Some cultures have hierarchical relationships between doctors and patients, where questioning a doctor’s recommendations might be considered disrespectful. Others encourage patients to ask questions during healthcare decisions.
  • Family involvement: In many cultures, family members get involved in healthcare decisions and may need to be present during consultations or hospital stays.
  • Gender considerations: Some countries don’t allow male doctors to treat female patients or vice versa. Know this ahead of time, especially for gynecological or reproductive healthcare.
  • Traditional medicine: Many countries combined traditional medicine with Western practices. While some traditional treatments do work, others may conflict with Western medications or delay necessary treatment.
  • Payment expectations: Some healthcare systems expect immediate payment, while others bill afterward. Knowing this ahead of time helps you avoid confusion during medical visits.

To make sure you get the right healthcare and maintain good relationships with doctors, respect the local customs. For more info about healthcare while traveling internationally, check out the WHO’s guide to travel and health.

Documents and Medical Records

What Medical Documents Should You Bring When Moving Abroad?

Keep copies of all medical records, including immunization history, prescription lists, and records of chronic conditions or previous surgeries. In some cases, you can only enter a country if you have specific vaccinations, so maintain up-to-date records. Consider getting medical documents translated into your new country’s language. Keep both physical and digital copies of all medical documents, stored in easy-to-get-to locations. Essential documents include your medical history summary, current prescription list, allergy information, and emergency contact details.

How Do You Manage Your Medical Records While Living Abroad?

Keep a detailed record of the healthcare you receive abroad, including prescriptions, test results, and treatment summaries. This medical record is crucial for you to have if you change countries, return home, or need to prove medical history for insurance purposes. You can share this medical history with new healthcare providers to continue treatment.

Ten Tips for Healthcare Success Abroad

1. Research healthcare systems before you move. Know the difference between public and private healthcare in your destination country. Learn about insurance requirements, costs, and quality of care to make informed decisions about your healthcare strategy.

2. Secure comprehensive health insurance early. Don’t wait until you’re sick to think about insurance. You must have international health insurance before developing pre-existing conditions. Compare your choices in our in-depth guides to Cigna Global, Geoblue, or William Russell.

3. Learn basic medical vocabulary in the local language. Medical emergencies don’t wait for translation services. Learn essential terms for symptoms, body parts, and medical conditions. Download medical translation apps as backup tools.

4. Keep emergency cash and credit available. Many countries require upfront payment for medical care. Maintain access to US$2,000 to US$5,000 for medical emergencies, either through cash reserves or credit card limits.

5. Research medication availability and regulations. You might not be able to get some medications available in your home country while abroad. Research alternatives and understand import regulations for prescription medications. Visit fda.gov for US medication information.

6. Build relationships with healthcare providers before you need them. Research English-speaking doctors, dentists, and hospitals in your area. Get recommendations from expat communities and register with hospitals for faster access when needed.

7. Understand cultural healthcare practices. Healthcare varies between cultures. Research doctor-patient relationship expectations, family involvement in medical decisions, and payment practices to avoid misunderstandings.

8. Keep comprehensive medical records. Maintain detailed records of all your medical history, current medications, and treatments you received while abroad.

9. Know emergency procedures and numbers. Keep a list of local emergency numbers before you need them. Many countries use emergency numbers other than 911. You can register with your embassy for an extra layer of emergency support.

10. Consider medical evacuation coverage. For serious conditions requiring specialized treatment, medical evacuation costs can exceed US$100,000. International health insurance with evacuation coverage protects you from life-threatening conditions that require treatment outside of your destination country.

Essential Reading for Expats Looking for the Right Healthcare

Australia

Cambodia

Canada

China

Costa Rica

Germany

Global

Indonesia

Japan

Malaysia

Mexico

Panama

Philippines

Singapore

Spain

Thailand

USA

Vietnam

John Wolcott
John Wolcott is the global editor for ExpatDen. He's a New Jersey native who now lives in Bangkok with his wife and two daughters.
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