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Expatriate Health Care Issues

Medical benefits are an important and potentially expensive part of the expatriate compensation package. When grappling with the complexities of managing visa applications and tax implications, healthcare is another issue that employers need to address and which many find confusing. Frequently, the response on the part of employers is to rely on a call to their normal private medical insurer to provide healthcare cover through an expatriate insurance policy. The problem with this approach is that standards of healthcare provision vary widely from country to country and, unless there is a clear understanding of the gap between the host country's national health service and the insurance policy purchased, the employer may be subject to significant risk exposure or, conversely, be grossly over-insured.
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