What medical cover do I need while working overseas?
Medical arrangements
In short, it depends where you are going to work.
In many countries, if you are paying local social security then there is no requirement to have additional cover in the form of private healthcare unless you are either planning to engage in extreme sports, travel to dangerous places or you feel that you need some form of repatriation cover.
Depending on the social security of the country you are going to be working in, and depending on the country’s legislation, you may be required to take out mandatory private healthcare (this is the case, for example, in the Netherlands, Switzerland and Germany, although the latter depends on your salary level). Also you may decide that you want to take out supplementary health cover if you do not feel that the level of cover you will receive locally will suffice.
It is also worth noting that if you are detached with an E101 form, then you will almost certainly need to supplement your cover with a private health solution. In many countries you will only receive the basic cover when detached, and sometimes only with certain doctors.
Please check with us for the most up to date information regarding your health cover in your country of work.