Expat Pilot Insurance
Health Insurance for Expat Pilots & their Families
Expat pilots and particularly those based in Asia are presented with a unique set of challenges when faced with arranging suitable health insurance coverage due to the nature of their profession, frequent travel and residency arrangements.
Pilots unlike other expats may be employed and based in different countries while also spending significant amounts of time in additional far-away destinations.
We consult with pilots and their families to begin addressing important considerations such as :-
Geographic Flexibility: We will need to address the coverage flexibility of plans to ensure that pilots and their familes are not only covered in their country of residence but also comprehensively covered in the other countries they frequently visit. This also involves ensuring that local healthcare providers are able to accept and provide medical care under the chosen policy.
Residency Situations: Its very plausible for a pilot may live in one country, be employed for an airline based in another country and spend a significant amount of time in various other countries. Having a complex residency situation requires health insurance that is also flexible and adaptable.
We occasionally face situations whereby a pilots country of residence has coverage requirements that conflict with those of their employers location.
Family Coverage: If a pilot’s family dependents are to be insured but are living in a different country than where the pilot is employed or based, this adds another layer of complexity to ensure that both the pilot and his families healthcare needs are met.
Medical Treatment Across Borders: There is a real possibility of a pilot requiring medical treatment outside of the country of his expat residency thus making it essential that their health insurance plan covers them in various locations and includes coverage for medical evacuation of necessary.
The policy needs to ensure that the pilot can receive the best quality immediate care no matter where they are.
Regulatory Compliance: Insurance is a highly regulated industry and health insurance plans must comply with the regulations of all relevant associated countries of where the pilot is based, where they are employed and the countries they fly to. This compliance may include meeting specific minimum coverage amounts and ensuring that the policy is recognized by local healthcare providers to avoid any gaps in coverage.
Overall expat health insurance for pilots must be flexible, internationally recognized, comprehensive, and compliant with various legal requirements to address the unique circumstances of pilots and their work and living situations.
