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Insurance Question

Insurance Question

Postby edexpat » Mon Jun 10, 2019 9:23 am

Hi Everyone. I will be starting a new job over in the Middle East in August. Would it be a good idea to get some sort of insurance before I leave in the event of a medical emergency or getting fired? If so, can anyone recommend global insurance companies with reasonable prices. I know schools offer their own health insurance although other options may be a good idea. Also, are there any Teacher Unions for expatriates to join while they are overseas.
Thank you.
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Response

Postby PsyGuy » Tue Jun 25, 2019 12:57 am

What would be the purpose of this insurance?

Your IS should be providing you some kind of medical insurance for emergencies as part of your OSH package, are they not?
If you get dismissed are you going to stay in the ME and just hang around, or would you be finding another appointment or job? If youre going to pack up and return to your HOR you probably dont need an independent insurance product. If youre going to backpack around the ME or Asia, or find an ESOL position, or your IS doesnt provide you any type of medical protection or insurance, than yes Id look into an insurance product.

Be advised however that the vast majority of products your going to find are going to be either short term tourist insurance products that are going to cover major emergency care and possibly medical evacuation. The second type i more for student travelers and backpacker, which can be comprehensive but they arent designed for routine medical and health care. They are meant for minor and major medical emergencies, you drink some bad water and need some ant-microbe treatment, or you need some stitches. Anything more serious and the insurance is going to ant to med-evac you back to your HOR for more long term care.
There are longer term insurance products but they are typically aimed at corporate or governmental organizations.
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Re: Insurance Question

Postby edexpat » Mon Jul 01, 2019 9:47 am

Thank you for your reply. Yes, they offer health insurance although it would be nice to have other options if needed.
There doesn't seem to be much out there in the way of long term insurance for international teachers as there are for large international corporations. Also, if you were to unexpectedly lose your job during the academic school year, it would be difficult to find another position immediately.
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Re: Insurance Question

Postby IE_sciteacher » Tue Jul 02, 2019 6:39 am

Having done three years in the middle east at a large international school the idea of needing secondary insurance seems excessive. If you are at a decent school you will have great insurance and access to very good private hospitals. You will be covered worldwide with the only concern is the USA is sometimes not covered. If you are American then you may want to investigate options for when you are home in summer.

Teacher unions are not a thing internationally. Some countries have labour laws that can be helpful, the ME is not one of those areas. You have your signed contract with various stipulations written into it. The better the school the better they will stick to said stipulations.

CIGNA and AETNA are two of the larger insurance companies that schools work with. I'm sure there are others too.
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Re: Insurance Question

Postby edexpat » Tue Jul 02, 2019 3:25 pm

Very helpful information, thank you. Personally, I'd rather have options with good health insurance. I do know of someone who got quite sick while working overseas and paid out of pocket expenses to use the American Hospital in Dubai deciding not use the school's health care provider. I agree about the labor laws in the ME. I'll look into the school's coverage before August start date.
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Comment

Postby PsyGuy » Wed Jul 03, 2019 3:50 am

@edexpat

Assuming the ISs plan provided for a private hospital, the IT you referenced should have used that facility rather than the "American" hospital.
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Re: Insurance Question

Postby GrumblesMcGee » Tue Jul 09, 2019 2:18 am

Given the details you provided, I'd recommend looking into basic traveler's (i.e. tourist) insurance, which PsyGuy mentioned in his earlier reply.

You seem to be focused on "a medical emergency or getting fired." While the latter is a pretty stark (and self-defeating, I'd argue) thought to consider, it's reasonable to worry about potential gaps in coverage. When does it kick in? Will you be covered before you arrive (either by the school (unlikely), or by other insurance you already have)?

The upside to traveler's insurance is that it's relatively cheap and can cover you for more than just medical emergencies (e.g., it can cover you for travel-related mishaps like stolen luggage). The downside, as pointed out, is that it's really just meant for catastrophic circumstances with regard to medical coverage. But at least it provides a bridge until your new medical coverage goes into effect. As for worrying about getting fired, that's a bit odd. It's not like you're going to carry an extra insurance policy like a parachute. If something happens with your employment, you can always purchase additional insurance at that point.
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Re: Insurance Question

Postby booboo14 » Tue Jul 09, 2019 6:08 pm

I have used IMG. You can tailor the policy to your needs and budget.
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