Understanding Health Insurance Systems In Europe: A Comprehensive Overview – In recent years, an increasing number of people have considered relocating to Europe to live, work or retire. Europe has a lifestyle that many people find attractive due to its temperature, diverse cultures and rich history. If you are considering moving to Europe, your main concern should be determining the type of healthcare you and your family will need. You may be able to get by with just a local health insurance policy in some countries like France and Spain. Conversely, you may need to obtain International Private Medical Insurance (IPMI) in other countries, such as Switzerland and Germany. Migrants must have European health insurance to secure access to high-quality medical care.
Health insurance is essential in case of an unforeseen medical emergency. Accidents and illnesses happen, and they can be costly. Revisiting Europe can be an exciting and fulfilling experience; Understanding the local healthcare system and securing reliable healthcare coverage is also important.
Understanding Health Insurance Systems In Europe: A Comprehensive Overview
Expats, retirees, and anyone looking for all-inclusive medical coverage can consider purchasing European health insurance. Each European nation has individual healthcare policies, practices, and coverage plans, which make up Europe’s diverse healthcare system. The European healthcare system is set up to provide access to high-quality healthcare services to everyone, regardless of wealth or social status.
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Retirees and expats should have adequate health insurance to protect against unexpected medical expenses. International Private Medical Insurance (IPMI) and National Health Insurance are the two main sources of healthcare coverage in Europe.
International Private Medical Insurance (IPMI) offers expatriates a comprehensive healthcare plan for medical emergencies, routine check-ups, and hospitalization expenses. IPMI is suitable for people who travel frequently between different European countries or who intend to move around while living there. IPMI plans can cost much more than local policies. IPMI plans may have a limited network of providers, and some may require upfront payments after reimbursement requests.
On the other hand, local health insurance policies are suitable for expats and retirees who intend to stay in a country for a long period. Local regulations are made for primary care services and hospitalization for citizens of a particular country. No matter what type of health insurance you choose, it is important to know the health care system of the country you want to immigrate to.
Whichever option you choose, make sure you have access to healthcare services and continued coverage while abroad. This may include signing up for a plan as early as possible, checking local providers and services, and becoming aware of any language or cultural barriers that may affect your access to health care.
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Registration with a local healthcare provider is the initial step in gaining access to healthcare services. This will ensure that you have the right to receive medical care in the country where you currently live.
You can access healthcare services more easily with this type of insurance by getting comprehensive medical coverage across international borders.
Foer Global Health is a business that specializes in IPMI. Foyer Global Health is a Luxembourg-based company that provides global health insurance. Offering specialized insurance plans to meet your needs, covering medical expenses, hospital stays, and immediate medical evacuation.
Research healthcare coverage in the country you live in as different European countries have very different healthcare systems. You can make sure you know what services are available to you and what your insurance will cover.
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Keep up-to-date with vaccines to ensure you are healthy as many European countries have different vaccination requirements. Check with your doctor to find out which vaccinations you need.
Keep track of the renewal date for your policy and be aware of any amendments to the terms and conditions. Make sure you have emergency contact information safe, and locate the nearest hospital in case of an emergency. Keep your medical records, including insurance details and prescriptions, in a safe place that is easy to access when needed.
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Universal health care is hard, but it should be possible – and eight other things I’ve discovered by visiting other countries.
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Dr. Hui-Wen Tien gives a thumbs up to a stroke patient during a home visit in Xiulin, Taiwan. For Ashley Pon
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Dylan covers health care for Scott. He has reported on health policy for more than 10 years for Governing Magazine, Talking Points Memo and STAT before joining in 2017.
Everywhere I went last fall, I often heard the same pity when I told someone I’d come to their country from America to find out how their health care works.
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There were three moments I will always remember, one from each of my trips to Taiwan, Australia and the Netherlands. In Taiwan, I met a man named Wong Shin-fa from the Taroko people, an aboriginal tribe living in the mountains on the island’s east coast.
I was walking along a township road, clearly out of place, and he was planting orchids with his mother. He stopped me and asked what I was doing there. I said I was a journalist from America, reporting on healthcare. He smiled a little and then went straight into a story, about his friend who was living in Los Angeles and broke his arm but came back to Taiwan to get it fixed because it would be cheaper than getting it fixed in America.
In Australia, my colleague Byrd Pinkerton and I got caught in a storm while walking in the park for one of our appointments. We took refuge in a small building with a cafe and tourist information desk, and an employee, Mike, introduced himself. I told him why we were there; He considered this for a moment and then said: Well, we’ve had some problems, but nothing as bad as yours. (Watch Everyone Covered on The Impact podcast series on Wednesdays and Fridays, with episodes covering Taiwan and Australia. Our project was made possible by a grant from the Commonwealth Fund.)
In the Netherlands, researchers I met with at Radboud University asked me to give a presentation on American health care, a benefit for their presentation on the country’s after-hours care program. So I obliged. There were two moments when the audience laughed out loud: one when I mentioned how many people are uninsured in America and another when I mentioned how much Americans have to pay out of pocket to meet their deductibles.
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Throughout my travels, I was always mindful of my country’s shortcomings in health care — and constantly evaluating how what I was learning could inform our next steps to improve it. People often ask which system was my favorite and which would work best in America. Alas, this is not such an easy question to answer. But there were certainly many lessons we can keep in mind as our country engages in its own discussion about the future of health care.
1) Every developed country in the world – except the United States – is committed to universal health care
The first prerequisite for universal health care is a collective commitment to achieve it. Each of the countries we cover – Taiwan, Australia, the Netherlands and the United Kingdom – has made such a commitment. In fact, every other country in the developed world has decided that health care is something that everyone should have access to and that the government should play an important role in guaranteeing it.
Janet Feldman, 48, at home with her husband and son in Melbourne, Australia. Feldman chose Australia’s public health system for breast cancer treatment even though she has private insurance. As a result, she paid very little out of pocket for her care. For Anne Moffat
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Except for the United States. Our two political parties are still deeply polarized on this question: 85 percent of Democratic voters think the government has a responsibility to make sure everyone has health coverage, but only 27 percent of Republicans agree. (Overall, including independents, 57 percent of Americans say the government has this responsibility.)
In other countries, there may be disagreement about how to achieve universal health care, but both ends of the political spectrum start from the same premise: everyone must be covered. Even in the Netherlands, which overhauled its health insurance under a center-right government in 2006, there was no question of universal coverage.
When I was starting to report on this project I came across this quote from Princeton economist Uwe Reinhardt, and it really stuck with me. From his most recent book
Canada and virtually all European and Asian developed nations have, decades ago, reached a political consensus to treat health care as a social good. In contrast, we
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