Like more and more expatriates, you could choose Southeast Asia for your expatriation. However, before you settle there, you’ll need to take out health insurance tailored to your needs. Here, we look at the main challenges of expatriation in this region, as well as solutions to protect your health on a daily basis.
Living in Southeast Asia
Moving to Asia offers many advantages: economic opportunities, the discovery of varied cultures, an often affordable cost of living and an enriching living environment. As a result, many expatriates settle here to build their new life projects.
However, you should take into account the specific health requirements of the region, which can vary significantly from one country to another. Taking out the right international health insurance will help you cover routine care. It also enables you to anticipate any unforeseen medical circumstances, guaranteeing peace of mind on a day-to-day basis.
The best destinations for expatriates in Asia
Asia offers a wide range of professional opportunities, as well as a well-established expatriate network. We’re going to give you the must-see places in Asia where you could settle down for the long term. Here are the most popular countries for expatriates:
- Thailand : attracts a large number of expatriates thanks to its business-friendly environment, growing career opportunities and relatively affordable cost of living.
- Vietnam : With its booming economy, this country offers a wealth of professional opportunities, a rich cultural heritage and affordable living.
- Cambodia : Cambodia is attracting a growing number of expatriates thanks to its booming entrepreneurial environment and affordable cost of living.
- Indonesia (especially Bali): offers real opportunities for expatriates, with breathtaking scenery. However, it also presents health risks (dengue fever, malaria, etc.), making it essential to take out suitable expatriate insurance in Indonesia to live there in complete peace of mind.
- Hong Kong: A key economic center, Hong Kong’s dynamism, unique blend of Western and Asian cultures, and world-class infrastructure make it a magnet for business.
Why do I need health insurance in Asia?
When relocating to Asia, taking out health insurance is crucial for a number of reasons. Firstly, healthcare systems and infrastructures may not be at the same level as in your home country. Indeed, in some regions, access to quality care can be difficult or costly, especially in the event of a medical emergency or hospitalization.
Secondly, medical costs in reputable private hospitals can quickly soar to several thousand euros. Being well covered can jeopardize your financial equilibrium if you’re not.
Last but not least, a good health insurance policy like Mondassur’s includes medical repatriation and the possibility of seeking treatment in different countries. This is an essential asset if you want to maintain optimum protection in Asia and beyond.
Healthcare costs in Asia
| Thailand | Vietnam | Cambodia | Indonesia | Hong Kong | |
| Private medical consultation | Between €25 and €75 | Between €30 and €60 | Between €25 and €55 | Between €20 and €50 | At least €50 |
| Private hospitalization | Between €1,000 and €3,000 | Between €800 and €2,000 | Approx. €500 | Between €500 and €1,500 | Between €2,000 and €3,000 |
| Private delivery | Approx. €2,000 | Approx. €1,300 | Approx. €1,000 | Approx. €650 | Approx. €11300 |
| Dental consultation | Approx. €25 | Approx. €10 | Between €25 and €50 | Between €30 and €90 | Approx. €500 |
Prices quoted are indicative and may vary according to establishment and region.
Hospital quality in Asia
In Southeast Asia, the quality of hospitals varies greatly from country to country and region to region. There are highly reputed hospitals (as in Thailand, for example) that attract many international patients. Private hospitals are better equipped and generally certified by international organizations. These often offer fast, personalized service, but at higher prices. Public hospitals, which are more affordable, can be in greater demand. This can mean longer waiting times and poorer quality.
With Mondassur, you have the freedom to choose the hospital where you want to receive your care. Whether it’s a private or public hospital, you’re not restricted to a network of healthcare partners.
How does reimbursement of healthcare costs work?
At Mondassur, we’ve simplified every step to make it as easy as possible for you to get your money back.
- Hospitalization of 24 hours or more (accident or sudden illness): Simply call the emergency number on your insurance card. We pay 100% of the hospital bill: no out-of-pocket expenses.
- Other claims: Log in to your online platform, enter your treatment type and amount. Then upload the medical report, detailed invoice and any other relevant documents. Your claim will then be processed rapidly.
- Hospitalisation or scheduled surgery: Apply for pre-authorization directly from your policyholder area to save time and avoid any surprises.
Our aim is to offer you a smooth and rapid reimbursement procedure, so that you can concentrate on what’s most important: your health.
Choosing between local and international health insurance in Asia
There are many advantages to taking out international health insurance rather than local insurance. On the one hand, Mondassur provides you with extensive coverage, with high reimbursement ceilings and options(optical, dental, etc.), including medical repatriation. What is the purpose of repatriation insurance? To repatriate you to your country of origin in the event of serious health problems.
Mondassur also offers wellness and third-party liability coverage.
On the other hand, reimbursement ceilings and guarantees are higher than those of local policies, which are often limited to a restricted network of clinics and hospitals.
Last but not least, the coverage remains valid when you move to another country, so you can keep your protection wherever it is installed (depending on the plan you take out). This is useful if you travel regularly or return to your home country frequently.
