How to navigate healthcare when living abroad

Table of contents

1. Be proactive with your healthcare planning

2. Research the local healthcare system

3. Consider international health insurance

4. Understanding the language and customs

5. Prioritise your health and wellbeing

It can therefore be useful to learn about how your new home’s healthcare system works to help you navigate this smoothly and give you confidence that you know how to access medical treatment if you need it.

Here are some tips to support you in managing your healthcare needs when residing in another country.

Be proactive with your healthcare planning

Staying on top of your healthcare planning can make the transition to moving abroad less stressful and provide you with peace of mind.

Depending on the country you’re moving to, it might be necessary to receive travel vaccinations. Book an appointment with your doctor to discuss this and ensure you do so well in advance of your relocation, as vaccinations for some diseases may need multiple doses or have to be administered a certain amount of time before you travel.

Also speak with your doctor before your move for support with medication management. They can provide guidance on topics such as the availability of medication in your host country, the rules and procedures surrounding travelling with prescription drugs, and ongoing chronic disease care.

It’s wise to organise your important documents too, which could include proof of health insurance or a medical history summary. Translating this information can be useful when registering with new healthcare providers and can sometimes be requested by insurance companies.

Research the local healthcare system

Did you know that you might not be covered by state healthcare abroad, or could face a waiting period before you become eligible for this? You may also not be able to access the public healthcare back home if you’re no longer a resident of the country.

It’s important to do some research to learn about the local healthcare system in your new country, as these can vary significantly between nations and have different rules around eligibility and accessibility.

 Here is a quick overview of the four main types of healthcare models worldwide:

• Social health insurance model (Bismarck model): health insurance is generally offered through your employer or an insurance company. Most medical facilities are private, and workplace contributions are used to fund healthcare services for the population.

• The out-of-pocket model: in these countries, patients usually have to pay directly for their medical care and apply for reimbursement if they have private healthcare cover.

• The government-funded model (Beveridge model): the government is responsible for managing the healthcare system, which is mainly funded through general taxation. 

• The national health insurance model: this type of healthcare model is a combination of the Bismarck and Beveridge models. Similar to the government-funded model, national health insurance is funded by taxes and the government acts a single-payer for healthcare services. However, like the social health insurance model, most medical treatment is delivered by private providers.

Take some time to locate nearby medical facilities as well, making note of factors like their accreditations and the types of services they provide. Also ensure that you know the local emergency numbers so you feel prepared in case something goes wrong.

Consider international health insurance

Consider investing in international health insurance cover to protect your healthcare needs when you', which can enable you to promptly access a wide range of quality medical care. From specialist consultations and diagnostic tests and imaging, to cancer care and hospital treatment, it provides peace of mind that you can access medical care when it’s required.

Additionally, international private medical insurance (IPMI) plans offer you a high degree of flexibility, where you may have the freedom to choose where you’re treated and by whom within your area of cover, as well as the length of your cover.

It’s worth noting that when relocating to certain countries, proof of health insurance can be a pre-requisite when applying for a visa. Do some research to find out if this is necessary for the country you’re moving to, as it could apply to you.

Read more about the benefits of taking out health insurance abroad here.

Understanding the language and customs

Having knowledge of the country’s language and customs can be invaluable in medical settings, supporting you in communicating clearly and navigating the healthcare system more smoothly.

When you first move to your new home, learning some basic medical phrases can be helpful if you need to access medical treatment. Alternatively, you can make use of translation apps or ask the healthcare provider if they have a translator available to provide extra support.

In the long-term, think about attending a language learning course to become more fluent, which will build your confidence in everyday scenarios and support you if you need medical attention in the future.

It’s recommended you research your host country’s medical customs and etiquette so you’re informed and act respectfully. Their beliefs and practices could differ from your home country on topics such as pregnancy and childbirth and levels of formality.

Prioritise your health and wellbeing

Taking care of your health and wellbeing when living abroad is important, supporting you in adjusting to life abroad and enhancing your overall quality of life.

Eating a healthy and well-balanced diet is a good way of getting the nutrition your body needs and preventing certain diseases. Go out and sample the local delicacies at nearby restaurants and cafes, or cook yourself a nourishing meal at home for your loved ones.

Moving abroad can sometimes be a lonely experience that can negatively impact your mental health. Join local clubs, create a routine or schedule frequent catch ups with family and friends back home to feel connected with others.

Also prioritise your health by maintaining regular taking part in exercise. This offers many physical and mental health benefits, and can be a great opportunity to explore your local area.

Attending routine health screenings can be a crucial part of preventative health too, helping to detect any health conditions early and identify potential areas for lifestyle changes.

Check out our blog for some more tips on how you can keep active after you’re relocation.