Welcome to the Healthcare Strategy Planner

This interactive tool helps you choose between:

• International Health Insurance – Global coverage for expats and retirees.
• Local Healthcare Systems – Affordable care and clinics in your destination country.

Select your country to explore options, follow trusted links, and export your plan as a PDF for easy reference.

Option 1: International Healthcare Option 2: Use Local Healthcare System Got It – Let’s Start

Healthcare Strategy Planner

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Option 1: International Healthcare Option 2: Local Healthcare System

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Country Notes

Quick Link Helpers

Use these pre-filled searches to find official sources and quality clinics.

1 Profile & Needs Assessment

Age Planned length of stay 1–3 months (travel) 3–12 months (mid-term) 12+ months (long-term/retirement) Regional travel frequency Low Medium High Monthly budget (USD) Pre-existing conditions

Coverage Targets

Inpatient/Annual Limit (USD) Emergency evacuation Required Preferred Not needed Outpatient/GP Comprehensive Major medical only

Dental Vision Maternity Prescription drugs

Action Steps

Define age, stay length, and travel frequency. List pre-existing conditions and medications. Set minimum coverage (inpatient + evacuation). Decide monthly budget and deductible.

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2 Compare International Plans

Compare multi-country coverage, emergency evacuation, and pre-existing condition rules. Check waiting periods and network strength in your selected country and nearby nations you’ll visit.

Provider Shortlist (examples — non‑affiliated)

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Quote Filters

Deductible / Excess Area of Coverage Worldwide excl. USA Worldwide incl. USA Regional (destination region) Hospital/Clinic Network

Action Steps

Request at least 3 quotes with the same benefits & deductible. Confirm pre-existing coverage & waiting periods in writing. Verify evacuation provider (air ambulance) & coverage limits. Check direct-billing hospitals near your home base.

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3 Enroll & Documents

• Prepare passport, proof of residency/travel, prior insurance certificates, and medical history forms.
• Ask for policy documents in English and your destination language if possible.
• Add dependents and confirm geographic coverage across borders you will cross.

Policy number / Member ID Start date Where will you store digital & paper copies?

Action Steps

Complete application and health declaration. Save policy, eCard, claims guides to phone & cloud. Download proof of coverage for visa/immigration.

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4 Pay, Claims & Ongoing Care

• Set up auto-pay and calendar reminders for renewals.
• Know how to file cashless claims and reimbursement claims.
• Identify in-network hospitals and urgent care near home base.

Primary Care & Hospitals

Action Steps

Enable auto-pay & add renewal reminder. Practice claim submission with a small expense. Save directions to nearest in-network hospital.

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5 Continuity & Emergencies

• Save the insurer’s 24/7 emergency number and your policy ID in your phone’s ICE (In Case of Emergency).
• Maintain a small cash reserve for upfront payments where cashless isn’t available.
• Review coverage if you change countries, activities, or add dependents.

Emergency Pack

Action Steps

Add policy & contacts to phone ICE. Set aside local currency for emergencies. Quarterly coverage review.

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1 Map the Local System

Most destinations offer a mix of public and private care. As a newcomer, confirm eligibility, expected timelines, and what’s covered vs. out-of-pocket. Many expats use private insurance alongside local care for speed and choice.

Eligibility

Residency/visa status Registration steps

Clinic & Pharmacy Plan

Action Steps

Confirm eligibility and required documents. Book registration appointment (health card if applicable). Locate nearest public clinic and private emergency hospital.

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2 Enroll or Bridge with Private Cover

• If there’s a waiting period for local public coverage, use international or local private insurance as a bridge.
• Ask clinics which insurers they accept and whether direct billing is available.
• Keep travel insurance for initial arrival if you’re not yet eligible for public cover.

Private Plan (optional)

Insurer/Plan Start date Scope

Action Steps

Arrange bridging coverage until local plan activates. Confirm direct billing with your chosen clinic. Store proof of cover for visa checks & admissions.

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3 Medications & Ongoing Care

Medication Planner

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• Bring a doctor’s letter and original prescriptions for controlled medicines.
• Ask pharmacies about generic equivalents and refill limits.
• Schedule routine checkups; translate key medical terms you’ll need.

Action Steps

Carry doctor’s letter and prescription copies. Confirm local equivalents & refill rules. Book initial checkup after arrival.

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Save Plan Export Plan (PDF) Reset

This tool offers general planning guidance. Insurance and public system rules can change. Always verify eligibility, benefits, exclusions, and visa requirements with official sources and licensed advisors before you buy or travel.

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​⚠️ This tool is for informational purposes only and does not offer medical or legal advice. Please consult licensed professionals and official sources before making healthcare or insurance decisions abroad.