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Do you have what it takes to be an Expatriate?

Is it possible to find out if you have what it take to expatriate before making this life changing decision? According to a recent study in « The International Journal of Human Resources Management », the success of expatriates is based upon three different personality profiles: expatriates that have a « protéenne » attitude, otherwise known as self-managing, those with an attitude of a « career with no limits » and those with a « careerist » attitude.

Individuals with a self-managing personality are very autonomous, learn quickly and tend to adapt easily to new environments. These individuals appreciate new experiences and thus have a profile that corresponds to that of a successful expatriate. It is likely that their level of satisfaction regarding their job and career in general will rise with an expatriation to another country. Out of the three different personality profiles, these individuals are ideal for an expatriation. However, the risk is that these individuals will often be looking to expatriate to other countries looking for new adventures and experiences…

Individuals with an attitude of a « career with no limits » are stimulated by new experiences and adventures; however expatriation is usually a negative experience for them because they are always attracted by different companies and thus the possibility to meet new people and to be challenged in different ways.

Individuals with a « careerist » attitude see expatriation as a preliminary step to a promotion in a multinational company. These individuals do not succeed as expatriates because they tend to become anxious regarding their future career development. Instead of fully investing themselves in their country of expatriation, they waste time and energy trying to return to their home country or to expatriate to other countries.

If you have the opportunity to expatriate, carefully consider the reasons why you are expatriating in order to avoid a negative experience abroad.

Keep in mind also all specific conditions to have a successfull life as an expatriate with international insurance !

Thursday, 10 April 2014 10:53


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Negotiating your Expatriate Salary

Working abroad can be an interesting career evolution, but be careful about the terms of your expatriate contract and notably your remuneration. In order to help you through this process, we have provided some negotiating points you should consider before accepting your expatriate contract.

  • Discuss your salary with your employer including the amount you would have made if you had rested in your original country, in other words your salary before expatriating.
  • Educate yourself about the reference salary of your host country (equivalent to the amount a national of the country would earn in a similar position). You should also look into the third country and international reference salaries. After you have some reference points to compare with your salary, it will be easier to evaluate the salary you should be earning.
  • Try to negotiate a net salary with local social security costs. Mix local remuneration (local money) and remuneration from your home country or other countries.
  • Educate yourself about the stability of the money with which you are being paid and think about safeguards which will protect you from too many changes in the exchange rate.
  • Discuss the mobility allowance which helps cover the loss of your partner’s salary, moving costs, housing, school fees and charges, etc. This allowance will be added directly to your reference salary.
  • Be aware of any fiscal charges that need to be paid in the country where you will be expatriating.

Last but not least, keep in mind that material conditions such as your salary are very important but should not be your sole motivator for expatriating! Otherwise, you won’t be off to a very good start…

Tuesday, 11 March 2014 10:01


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Expatriation of wealthy Chinese

According to official Chinese data,* the country currently has 55,000 billionaires, some of whom have decided to live abroad. The main reasons for their departure are the Chinese economic environment and their children's education.

These very wealthy Chinese expatriates wish to flee the country before bad investment conditions or high rates of taxation in China arise. A large number of these wealthy Chinese believe that the Chinese government gives more support for the public sector than the private sector. This situation engenders a distrusting public opinion vis-à-vis great wealth. The most popular destinations for these expatriates are the United States, Canada, the Caribbean Islands. However, other Asian countries are also present among destination choices.

Chinese billionaires who emigrate currently represent a minority, but this trend is increasing over time. However, young Chinese graduates going abroad demonstrates a parallel phenomenon. While scientific and technical skills become the key to competition, China has been experiencing a brain drain for the past twenty years. The number of graduates is increasing year by year, but the number of jobs requiring higher education has lowered by 15%.

On the other hand, a large number of foreign expatriates are coming to live in China, attracted by the country's economic prosperity with foreign companies.

Are you moving to China? Don't forget your expatriate insurance!

*Hurun 2010 reports

Tuesday, 14 January 2014 11:50


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Expatriates in South East Asia

More and more people are coming to live in South East Asia looking for a better quality of life. This area is one of the top favourite region for expatriation. Some of the most popular countries are Thailand, Malaysia, Singapore and of course China, Hong Kong and also Vietnam.

The first choice for expatriates is Singapore, partly because it offers higher wages than the other countries of the region. Indeed 54% of expatriates' annual salaries are higher than 200 000 dollars. The possibility of having access to luxury and Western goods is also a condition for the expatriates. Obviously China is also at the top of the list, providing beneficial opportunities for foreign companies that set up on its territory. According to official numbers it is estimated that 44 000 French expatriates are living in China.

Despite the quality of life and financial benefits offered by the South East Asia, cultural differences cause difficulties to Westerners who settled in this region.

If you are planning an expatriation in this region, be prepared for the cultural gap and do not forget your medical insurance !

Thursday, 28 February 2013 10:05


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5 tips to organize Christmas from abroad

When you are expatriate, returning to your country requires a lot of organisation. You must book tickets, organize Christmas, buy gifts ... Here are five tips for getting organized.


You should start planning your return trip in advance. Prepare everything takes time, especially during holiday periods where delivery delays may occur more easily with a higher demand.


You should trust and delegate to a third person, part of the organization for Christmas. Take the time to get organized!

Using the Internet

You must know how to use all the tools at your disposal, including the Internet, which will help you gain time. Order your gifts online, do your shopping for the D-day through online stores, book your e-tickets.


To enjoy your stay in your country, optimize your organization preparing your return: do everything in advance. It is more efficient, less stressed and you will be able to enjoy your stay.

Stay zen

Despite the uncertainties stay Zen! But if you follow these 5 tips to prepare yourself, you should be able to enjoy your holiday season in peace.

Of course, don't forget to take a travel insurance for you and your family and Happy holiday !


Thursday, 13 December 2012 15:14

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