International health insurance expires while abroad, now what?
- By
- Aparna Patel
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- 1 Aug, 2023
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This seems like an excellent thing to not worry about.
Yes, you could hypothetically be hit by a bus, in a way that would be very serious but non-fatal and not the bus’s fault. Let’s say it causes a medical bill of $50,000.
Well, so what? $50,000 is a lot of money, but not that much. It’s the cost of a pretty nice car. I don’t know what your job is, but you’d probably have to work several years to pay it off.
That would suck, but, again, so what? The bus could also kill you outright, but you completely shrug off that possibility as unimportant.
And what’s the alternative? Go to a huge amount of trouble to pay insurance, with a terrible expected payoff; you’d probably pay two or three times the actuarial risk.
Better, I think, to wait for your situation to stabilize and buy appropriate insurance for the long term.
Here are three possible options that appeared on the first results page of a Google search for uk health insurance for non residents:
- https://www.world-first.co.uk/home/travel-insurance/non-uk-residents.aspx
- https://www.worldwideinsure.com/international-travel-insurance-overseas.htm
- https://www.itssoeasytravelinsurance.com/international-travel-insurance.html
They all look to be brokers who should have access to a range of insurers. Brokers take a percentage fee, and you should get a quote from more than one broker and ask them to match/beat each other’s quotes.
Credit:stackoverflow.com‘