Living abroad is an exciting adventure, but it comes with practical challenges, one of the most important being healthcare. Whether you’re relocating for work, family or simply for a change in lifestyle, having the right expatriate insurance is essential. It’s not just about covering emergencies, it’s about ensuring access to quality care wherever you are, avoiding unexpected expenses and giving you peace of mind.
Yet many expats fall victim to misinformation be it from online forums, outdated blogs or even fellow expats. To help clear up common misunderstandings, we are tackling the top 5 myths about expats health insurance and uncovering the facts you need to know.
I just want the cheapest plan. All insurance is the same anyway
This is one of the most common misconceptions. While it’s understandable to want to save money, choosing the cheapest health insurance plan often means sacrificing essential benefits. Bare-bones insurances often come with strict restrictions, such as excluding pre-existing conditions and routine care (or even excluding outpatient care entirely). They may also limit customer service support: for example, by requiring claims be sent via physical mail, imposing tight deadlines for claims submissions, or not providing online support. These are things you definitely don’t want to struggle with during a medical emergency.
At Mondassur, our in-house Gold plans provide real coverage, with real customer service. They can include:
- Routine outpatient care
- Pre-existing conditions
- Emergency evacuation and repatriation
- Maternity coverage
- Dental and vision
- Repatriation insurance
- Mental health support
The coverage of pre-existing conditions and routine care is crucial for having robust benefits: it’s what makes comprehensive medical insurances better than their budget counterparts. It’s also worth noting that many budget insurances impose restrictions on how the policy can be purchased: not allowing renewals, or requiring that the policy be purchased before arrival … With a “Gold” policy, members can keep the insurance for life, and they can purchase it any country. Providing that flexibility is a key benefit we’re proud to offer to our Gold members.
Choosing a good health insurance plan means you can have peace of mind, knowing that if a medical emergency arises, you won’t have to worry about unexpected bills or navigating complicated restrictions during an already stressful time.
Filing a claim will be a nightmare
Claims processes can be stressful, but not with Mondassur.
We’re a full-service brokerage, meaning we manage your claim from start to finish. If you choose one of our in-house Gold policies, you can submit claims online, quickly and easily. Our team ensures fast reimbursement and support. No confusing paper work: just efficient and transparent service when you need it most.
All health insurance brokers are the same
Unlike retail brokers who simply sell policies and then disappear, Mondassur offers end-to-end service. That means:
- Personalized advice to find the best policy for your specific needs
- Expert help with claims processing
- Advocacy on your behalf with insurers if issues arise
- Ongoing support through policy renewals and life changes
Plus, we pride ourselves on being truly reachable, no phone trees or impersonal call centers. Our dedicated team is ready to help you quickly and directly via phone, WhatsApp, or email whenever you need assistance.
Choosing Mondassur means more than just getting insurance: it means having a dedicated team focused on protecting your health, and supporting you every step of the way.
I’ll just avoid mentioning my pre-existing condition
Trying to hide pre-existing health issues is risky. If insurers find out later, they will reject claims related to unreported risk factors, and potentially even cancel your policy.
At Mondassur, we take a different approach. We believe transparency is the best policy. Our experienced advisors will:
- Be there to answer your questions as you navigate the underwriting process
- Identify plans that include coverage for pre-existing conditions
- Explain any waiting periods or specific terms associated with coverage
- Tailor solutions that balance your health needs with budget considerations
We offer plans designed specifically for expats with pre-existing conditions meaning you can get the protection you need without compromising on quality or peace of mind.
Local healthcare is cheap; I don’t need extra coverage
While local healthcare may seem affordable, many expats face hidden costs like long wait times or expensive private clinics.
By choosing Mondassur’s international health plans, you gain:
- Access to high-quality private healthcare providers
- Medical coverage around the world, not just in your country of residence
- Flexibility to choose your preferred doctor or hospital
- Peace of mind knowing you’re protected anywhere life takes you
Why Mondassur?
Choosing the right expat health insurance isn’t just about ticking boxes. It’s about trust, support, and having a partner who understands the unique challenges of living abroad.
Mondassur offers full-service support, handling claims smoothly so you can focus on your health. Our plans are tailored for expats, with expert advice based on your location and lifestyle.
Don’t let myths hold you back from securing the care you deserve. Contact Mondassur today to find the right health insurance plan that fits your needs and gives you peace of mind abroad.
