Article Written By Kevin Buerchler

8 reasons to have a Global Health Insurance whilst living in Asia

Swiss Insurance Partners offer Health and Medical Insurance to Expats around the world.

Living in Asia is many Expat’s dream, the different culture, language, scenery, and cuisine all make for a compelling reason to up sticks and move to one of the many countries on this continent. There are many relocation companies who look after your every move from finding you a house, a new school for your children, set up job interviews, or maybe even a new car. What is key in every move to Asia is that the family are adequately covered with an International Health Insurance, here are some of the reasons why opting for a good International Health Insurance is the right thing to do.

Necessity & Legal Obligation for expat health insurance

Having an International Health Insurance as an expat is not a luxury, but a necessity. In many countries in Asia, Expats are simply not covered by the local health Insurance or health system. In other cases, the local health system is not adequate, and an International Health Insurance is vital to ensure one receives the correct treatment within a specific time frame. Last of all, in some countries within Asia, having an International Health Insurance as an Expat is a necessity by law.

Best Available Health Insurance For Expats In Asia

Best Available Health Insurance For Expats In Asia

In 2020, Swiss Insurance Partners has developed a health insurance plan specifically for expats in Asia with the insurer Opal. An expat solution that goes above and beyond what has hitherto been available on the market: The SIP Expat Opal plan

·       Worldwide private Health Insurance (excluding US), private hospital room.
·       100% cost coverage for inpatient and outpatient treatments
·       100% for maternity with no waiting period
·       100% dental and vision coverage
·       Extreme sports are covered.
·       Private third-party liability
·       Medical evacuation

Costs:
·       EUR 372.50 per month for an adult
·       EUR 187.50 for a child

On average, this allows expats to save 10-15% on their health insurance costs. In high-cost locations such as Singapore and Hong-Kong it might even be more. The SIP Expat Opal plan can even be continued upon returning to your country of. This option is not available with any other expat Health Insurance provider and greatly improves your long-term health protection: No health questions when changing plans after moving back home means no risk of losing private health cover in case you develop any conditions.

Security & Peace of Mind

See also  Top 5 expat health insurance companies in Europe

When moving to a new destination, one leaves behind the comforts of home, the familiar surroundings and local knowledge and contacts. The friendly family doctor, dentist, or local nurse, that made you feel so comfortable at a time of illness.

It can be a stressful experience to go through an unexpected illness in a foreign country, where you are far from loved ones, do not know the language, culture, social security system or whereabouts.

An International Health Insurance can ensure peace of mind and security for any expat moving to a new country. The thought of having an immediate assurance that loved ones will be treated international and qualified doctors and specialists can be a main decisive factor for making the relocation move or not.

High Quality Health Care

As an expat living in a foreign country, one does not know much about the social systems in place if they get ill, the level of care, the quality of the hospitals, treatments. Having an International Health Insurance offers a sense of trust that one would get a good level of care.

Why? Because with the right expat health insurance, you will have access to a network of doctors and hospitals that have been checked and approved for their quality and suitability for expats. Through this online tool, you will be able to check which medical facilities close by your location are specifically recommended by the insurance company and if there are direct payment agreements in place so that you do not have to pay the medical bill upfront. The invoice will be comfortably settled directly between the hospital and your insurance company in such a case.

See also  Top 5 expat health insurance companies in Europe

Global Flexibility during Travelling and for Further Relocation

Having a good International Health Insurance offers the bearer an unbound flexibility in terms of care. An International Health Insurance can offer a wider network of doctors and hospitals and can be beneficial for the bearer if they are a world traveller. International health insurance offers worldwide coverage (mostly excluding the US) and you can therefore seamlessly travel between countries and yet have peace of mind. Also, upon your next relocation, your international health insurance can be seamlessly continued without having to fill in any medical questionnaire, and thus, risking exclusions for health conditions that have developed in the meantime.

“Health is Wealth”.

“The first Health is Wealth” – When American philosopher Ralph Waldo Emerson wrote this quote in 1860, he wished to remind us that good health is the foundation on which to build – a happy life, community, and economy.

Health is Wealth

If you are healthy you can life a good life, buy what you wish and create memories with family and friends. A good International Health Insurance will ensure that as an expat in a foreign country you will be able to continue to make memories with family and friends. Safe in the knowledge that should something happen, you and your loved ones are treated with immediate care and by international and qualified doctors and specialists, through an excellent network of hospitals and clinics.

Local Health Insurance vs International Health Insurance

An International Health Insurance is more adequate for an expat lifestyle, local insurance may be limited by area of cover, network of doctors and specialists. An International Health Insurance offers a wider network of hospitals and clinics and drastically reduces waiting times to see the required doctors or specialist to receive the needed treatment. You might also want to go back to your home country in case more severe treatment is required. An expat health insurance will fully cover these costs also in your country of origin.

See also  Top 5 expat health insurance companies in Europe

This including being covered in your home country, in which the local doctor has all relevant medical records and knowledge of the client’s medical history.

Language Barrier

As an expat living in a country where you may not know the local language, being treated by a doctor who speaks your language can be a blessing in disguise. Having an International Health Insurance allows you to benefit from a choice of hospitals and international medical centres whereby one may be treated by an international team of doctors whilst at the same time keeping your expenses in-check.

FAMILY MEDICAL INSURANCE

International Health Insurance companies offer 24/7 multi-language assistance. Whether this might be in an emergency, or for a planned doctor visit. You will be able to speak to someone who is fluent in your language.

Get Treated Faster

Having an International Health Insurance not only gives you access to a vast network of hospitals and doctors, but also ensures that you are seen faster. Many countries have good free healthcare. However, because of this, they are heavily subscribed and thus creating long waiting lists to see consultants and specialists. Having the right International health insurance often allows you to jump that queue.

Because you are privately insured, hospitals and doctors know for sure that they will receive their money from the insurance company timely and without a significant effort. People are often not aware that doctors and hospitals can also apply another (higher) price rate for their service. You will therefore be a priority client for them. At the same time, you do not have to worry about costs since your insurance will pay these.

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Bank Letter for the Italian Investor Visa

The Italian Investor Visa offers a promising gateway for foreign entrepreneurs looking to fuel Italy’s economic growth while enjoying Italian tax benefits—all without the burden

Terms

  • You agree to post 5x per day the link to the real estate group for your chosen country. This should always be done in response to threads where you can reasonably post the link. (As and when Webinars become available sharing them in place of linking to the group is preferred)
  • You agree to record each post (When payments become due, you will need to show that you posted 25x in previous week) and so should take a screenshot of each post as you go.
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  • After 36 months you have the right to renew and at 0 cost at 25%. This is conditional on the following

    When asked to present screenshots for deals, you are able to do so and miss no more than 9x deals through the entirety of the agreement. This means that the work required to grow the network is being done consistently.

AnyExpat Will:

Send you 25% of all revenue generated via the following sources:

  1. Facebook Groups
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  1. COMPANY SIGN-UP FEES, These typically range from 300GBP to 1000gbp you will take 25% and be paid on the day that AnyExpat receives the sign-up fee (*affiliate sign ups are excluded.)
  2. Back End Fees Typically we earn 25% of companies’ gross fees, Companies report monthly the outcomes of all referrals You will earn 25% of the total fees sent to AnyExpat ltd for the entire country excluding clients generated by our affiliates. Payments may include
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    • Mortgage Services
    • Legal Services Accounting
    • 4. Financial Advisory and Wealth Management services
Make you a moderator in the groups for the selected country

OUR AFFILIATE SYSTEM  This is a bonus if you happen to have your own audience. You will be automatically approved to our affiliate system allowing you to earn 25% on any fees generated from your own audience (i.e. your own Facebook Profile, Twitter or you own website etc)

The agreement will run for 3 years from the day that you make the initial payment date

After 36 months you have the right to renew and at 0 cost at 25%. This is conditional on the following

When asked to present screenshots for deals, you are able to do so and miss no more than 9x deals through the entirety of the agreement. This means that the work required to grow the network is being done consistently.

Selling Terms And Conditions

OVERVIEW

This website is operated by AnyExpat Ltd. Throughout the site, the terms “we”, “us” and “our” refer to AnyExpat Ltd. AnyExpat Ltd offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply  to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

SECTION 1 – ONLINE STORE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

A flat rate of 20% is due on all sales is retained by AnyExpat Ltd, this includes postage costs so price your items to consider this.

SECTION 5 – PRODUCTS OR SERVICES (if applicable)

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Returns Policy.

SECTION 7 – OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

SECTION 8 – THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 10 – PERSONAL INFORMATION

Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy.

SECTION 11 – ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 12 – PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:

(a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;

(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 13 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall AnyExpat Ltd, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility.

Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 – INDEMNIFICATION

You agree to indemnify, defend and hold harmless AnyExpat Ltd and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 15 – SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 – TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 17 – ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 18 – GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Clyde Offices, 2nd Floor, 48 West George Street, Glasgow, BFP, G21BP, United Kingdom.

SECTION 19 – CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 20 – CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at [email protected].