Moving to Belize: Retired Belize Life

The Belize weather is sub-tropical. The Belize culture is very non-racist and liberal. The average per capita income in Belize is less than 6000 USD.  The retired life  in Belize is very peaceful.

The figures from the Belize Central Statistic Office in July 2005, prove that the population of the nation is fast rising and coming close to 300,000 permanent residents. This shows that the appeal and attraction of Belize is increasing per year.

Retired life in Belize

Belize has become a popular retirement destination due to the beautiful scenery, stunning climate, friendly people, tax advantages, proximity and good transport links with the United States and Mexico. The Retired Persons Incentive Program permits people to live 100% tax free. To qualify for this program, the individual can come from any country, must have a minimum age of 45 and should have a qualifying non-Belizean based income of minimum 2000 US dollars per month. This person may be subjected to some background checks. If the person is qualified, the family, personal effects and a means of transportation can be brought and maintained tax-free. Any income created from investments or business ventures would be tax free as long as they are not an output of Belizean economy.

These criteria are very simple to achieve and this is the reason that many Americans, British and North Europeans have retired in this cheap, sunny and beautiful tax haven. Real estate in Belize has very competitive prices. The initial communities are planning their settlement and are in the construction phase. Independent housing is available in the popular areas of Cayes, near Belize City as well as Northern Belize. These places are having a plethora of expatriates. The everyday cost of living due to water, electric, telephone etc. is at very reasonable prices. If local goods are purchased, the Belizean dollars would not accrue to a large value. However, the imported goods are exorbitant. It is easy to travel to Mexico or the United States. The intense wet season repels people from this area. However, this season is the cause that the country is lush and beautiful as well as rich in flora and fauna.

Cost of living in Belize

Belize has turned out to be one of the most exorbitant of the Central American nations. In 2004, the Gross Domestic Product has raised by 3.5%. However, inflation is increasing and this implies that the cost of living would increase. The tourism, agriculture and construction sector’s are progressing rapidly. This is very conducive towards economic growth. In the year 2005, the average per capita income was less than 6000 U.S. Dollars. A small flat in Belize City could be rented for about 1000 U.S. Dollars and a large house in the Cayo district for 300 U.S. Dollars. A piece of land had a cost of 5000 to 10000 U.S. Dollars. Some houses were priced at 25 U.S. Dollars per square foot. An ocean front property was estimated at 250,000 U.S. Dollars.

Belize weather

The weather in Belize is sub-tropical. The humidity is high, but infrequently oppressive. It is most felt in coastal areas. The mean annual humidity is 83% and is overcome by cool sea breezes. The coastal regions have southeast tradewinds at 10-13 knots. These are very consistent in July. The temperatures vary from 50 to 95 degrees Fahrenheit averaging 79. The mountains have a mean of 72. The Cayo district has about 125 rainy days per year, the Belize district about 171, the Stann district about 183 and Punta Gorda has more than 200.

Foods in Belize

The cooking methods are influenced by the Chinese, Creole, Mexican and European methods. Seafood or chicken and spices are the core of most Belizean foods. Some of the recipes are Barracuda, Beans and rice, Belizean Stew Chicken, Belizean Bake Chicken, Belizean Bake Fish, Belizean Chicken Stew , Ceviche, Belizean Scramble Eggs, Conch Fritters, Tortillas, Plantains and Potato Salad.

Belize culture

Belize is a Caribbean country rather than a Central American one. The people are very friendly and informal. Not greeting known people or failure to return a greeting is not considered proper. The society is fun-loving and not inclined to quarrel. It is thought apt to greet or make a friendly nod to strangers. Before starting a talk, a handshake is thought essential. Racism is not dominant in Belize. A locality may have different ethnic groups that co-exist without mixing. The inhabitants of Belize are cognizant about their clothing. They think it displays the level of their culture, taste and status. The contemporary trends from the  United States  are always held in high regard. English is the official language in this region. The actual language is a blend of English and Creole. Religious freedom exists in this nation. Catholics are 60 percent and Anglicans are 11 percent. Churches conduct a majority of schools and hence everybody is associated with some religion.

By Abhay Burande Published: 11/6/2007

Expat Daily News: Wildlife Adventure in Belize

It was probably while playing this game sometime in the fef eighties that I first heard the word ‘Belize‘. Because that’s where the mountain tapir was located. Read more…

Living in Paris is difficult. It takes careful planning and thought to make your stay as right. My wife and I moved to Paris on a short but sweet stay in 10 months mainly due to my work commitments.
Planning our trip to Paris turned out to be decisive, but the move was not as easy as I had expected. The hard to remember, but in the late 90 years, it was difficult to find online information regarding moving on land, but now that has all the changed. My wife and I had previously lived in many other countries such as China, Australia and Spain. Extract the individual countries, however, was quite a challenge, If you were to move to Paris last year decided there is more than enough information online about everything we needed to know! There are a vast amount Move information about entertainment and great tips on the first one.
Stay for only one year, it is important to think about your move as permanent. We met Some expats who are only in Paris for a very short time and they still had not figured out how to buy cheap train tickets!
Before moving to a beautiful City like Paris, it is important to become familiar with your local community / region. Before my wife and I arrived I thought I should find a cafe where everyone knows my name, I felt a little more comfortable and at home with my surroundings. But this request was in direct conflict with my desire to explore the entire city, so I do not really a café or a region at the center of the city! It's nice to have that person your name in another country makes you feel good at home to recognize.
Although we regularly examines the entire city that we do not pick up lots of local information and special local events that's happening in the same area. In this way we can know the locals and start building a social network.
The language is a very important factor to take into account the aspect If you are moving through a foreign country. Language is the key, but it was not easy. My wife and I had arrived with basic skills – enough to be in a restaurant, the easiest to read newspapers or go to a store, but when has the Post Your post is lost or when you try on something over the phone to someone who does not speak a word of English to complain it is difficult to get the confrontation with the language! It would definitely be worth some language before you went there to meet.
By and large, it is important to understand that cultural cities like Paris, grow the local community. Being active in the community is what France about. So if you're out there in the examination and the life in Paris, take into account this item!
Hope you have a great time in France!

About the Author:

Specialists in glassware.
Get yourself a new wine cooler.

Article Source: ArticlesBase.com – Thinking About Moving to Paris?

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I am a 37 years old Woman – Single and childless. I've always wanted to live in a French speaking city, but I do not have my French after college stick, so I am far from fluid. My pronunciation is great, I know how to order food, ask for help in a store, etc. – basic stuff. However, it is only through, and I It would hate trying to "survive" in Paris. I chose Montreal because it bilingual, and frankly from that what I saw, a beautiful City. Please give me some advice on how much it would cost to make such a step – I live in Virginia – and a little insight into the labor market in Montreal. It's pretty bad where I live. I would also like to know about the night life, and what areas you can live and exclusively on public transportation (Subway all day !!!). By the way, I love the United States. I am sure that I will be back for a few days, the only thing I've always wanted to do, and the Life is short!

Now DivaSTating!, That's a long shopping list. Let's … see LANGUAGE The language issue is not a problem for you. You can live and work in Montreal and never a word of French. It all depends on what you do and where you hang out. As you will find friends and start socializing certainly Pickup enough French to make good use of them in a job. COST OF MOVE to move the cost really depends on what you expect in the contents of your current resources and Lifestyle. You're going to rent an apartment, buy a house or a condo to buy? I'm going on the premise work, will you rent an apartment and say that the Rental rates vary considerably depending on the region. For someone who is wanting to take seriously move here, then I recommend always coming up for a short holiday explore the village. Make a few friends on the Internet and get them to assist you in settling in when you arrive. As with all large cities there are many rent cultural ghettos, and so the housing price depends largely on where and what size you want to rent. Let's at for example, that a 1-bedroom apartment, here want to be known as the 3 1 / 2 (kitchen, bathroom, living room and 1 bedroom). And you would say to stay in a popular multi-cultural area just outside the city center with public transportation access, such as NDG (Notre-Dame-de-Grâce). They would seek to hire around 800 $ CAN per month. Then add on additional $ 100 per month electricity / heating / water (usually every 3 electrically driven). Then add $) 40 Phone (landline or mobile phone. Add another $ 50 cable TV. And I 'd say $ 100 per week for food for one person, then $ 400. And a bus pass is $ 65, I think. Thus CAN make $ 1455 per month, or about 1400 U.S. $. They must be involved on the "Add" is money. If using a 2 year lease or more characters, you can usually $ 50-100 per month cut off, if you know how to negotiate. But I would not do that until you know the city better and are really willing to stay in one place. JOBS The economy is fine. It could be better, but then it could always be better. It would be best to start looking for a job now than headhunters. If you are serious, can You e-mail me and I can tell you a list of Montreal headhunters. There are many English and English only company in Montreal, and many multinational companies have their offices here. Finding a job is not such a problem if you are competent in your field if you are a specialist at the Swahili translation of Sanskrit. KNIGHT LIFE Montreal is a Year party are in town for all age groups. I'm just a bit older than you are (early 40s) and am divorced and I and my friends always out partying. There are many Clubs and social venues. Meetup.com has organized many social and hobby groups in Montreal. Recreation is abundant, skiing is great. There are many artistic venues, Museums, romantic places, amazing restaurants, etc etc etc. In the summer it does not stop festivals and cafes are full until the wee hours. They are essentially in a miniature version of French Europe. The mentality of the people in Quebec is very different that the rest of Canada. We are more than passionate, more party Species. Montreal is not boring. In any case, that sums it up now. If you want more detailed answers, e-mail me, or specific issues in your future. All the best

Immigration Québec

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Walking in Pogue Mahone is like finding a little piece of Ireland in the center of Milan. It is not your typical Italian wannabe Irish pubwhere the This establishment is demanding and supporting the environment in general Milanese.Here people from all walks of life, the bar and drink pints often next to a noisy Quantity of publication – it's the real McCoy.

The first thing you'll notice is how small it is, but there is enough space to a few tables, surrounded by picture-walls create an authentic Irish atmosphere. Pogue is one of the few sport oriented pubs in Milan, with live sports 7 days a week 2 large TV screens, usually with English commentary. This is complemented by a wide selection of beers from Guinness to McEwan.

On Sunday, the equivalent of a full English breakfast is a brunch of sausage, bacon, scrambled eggs, toast, beans, mashed potatoes and roasted Prague ham, particularly comforting for those who can feel at home-sick.

About the Author:

I run an online magazine for the English speaking community in Milan.The magazine can be found at www.mymilano.biz

Article Source: ArticlesBase.com – Irish Pub in Milan

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My partner has a job in Prague but I would have to start from scratch. I have 6 years experience in recruitment advertising and online media and speak fluent English and Spanish. Thank you!

is really good at PR, advertising, or you will have no problem, even if English speaking. Most of the employees are involved in these industries is fluent English. They could probably offer the courses, such as the Post has written about me. Some kind of a verified reference would be handy – to your actual To demonstrate proficiency.

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Hello, I have used two U.S. and French citizenship, and to live in Paris. I was considering a return to France in the next few years, but I tried to relocate to a region with the exception of the Ile-de-France. I would like to feedback from all native English speakers, lived or living in France be interested (and some as the surroundings of Paris): Some of the positive and negative aspects of where you are, how easy or They found it difficult to adapt to what extent was not fluent in English, or help you professionally, etc.

You may want to check out Saint Louis Alsace. Although it is not one of the most beautiful cities in French, and it is very small, the odds are that it is on the border between Switzerland and Germany. To I currently live in Basel, Switzerland, which borders France and Germany. There are plenty of things to do … Museums, galleries, concerts, lots of outdoor activities ….. Public transport is very good. I only speak English and have been here 3 years. Sometimes it is a challenge, but somehow I always get through! Good luck to you.

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For many years, trained professionals in India have been migrating to the Gulf in search of jobs, high pay. In fact, Gulf states are the house to nearly five million Indian workers. They are in various career options such as oil and gas, construction, hospitality and nursing and medical care to spread. While most of these blue-collar workers have taken jobs, top of the line jobs are also an absorbing many Indians in those days. Another factor that attracts Indians Gulf countries is that they offer a good standard of living with a high-paying jobs.

A recent study found HSBC's Expat Explorer shows that the UAE has the second best option is to migrate in the world. The first position was occupied by Singapore. Currently, Gulf states are offering good jobs with amazing lifestyle, high salaries and less taxes. Thus, these countries have been the top choice of Indian immigrants, on the search are highly paid jobs in the Gulf in the field of their know-how. The opportunities in the Gulf States are enormous and they accepted offers skilled and talented professionals with open arms. Whether it is the United Arab Emirates, Bahrain, Kuwait, Qatar, Oman or Saudi Arabia, the employment opportunities are huge here, and every state attracts talent in his own way. Different countries have various ways to attract talent, but all offer plenty of high to seek paid employment in order to migrate them.

UAE exists that has the Abu Dhabi, Ajman, Dubai, Fujairah, Ras al-Khaimah, Sharjah and Umm al-Quwain – one huge expatriate population. So one can say that the population outnumber immigrants here, the local one. In fact, than any other data, 90% Professionals in this area are from abroad. Thus, career opportunities here is enormous. Abu Dhabi and Dubai are the hottest destinations for obvious reasons, all job Emirates. Abu Dhabi, the capital of the United Arab Emirates, is a rapidly developing area, which also accounts for approximately 60% of the GDP of the UAE. It offers all types of employment opportunities in the real estate sector and oil and gas industry, construction, education, IT and healthcare. Besides this, there are several highly paid job in these industries in Abu Dhabi.

On the other hand, Dubai is a popular destination not only for tourism but also as a career goal. This city offers an exclusive lifestyle and due to the large number of professional expatriates, the payroll jobs are down here for lucrative Dubai is one of the fastest growing population in the World has become. No doubt there are plenty of job opportunities in banking and finance, engineering, construction, management, tourism, media, education and telecommunications and IT sector in Dubai. The style of life in Dubai is very up-market and it is also an open mind.

If Dubai enjoys a current popularity, is located in Saudi Arabia preferred by professionals for a year. He has the first choice of career expatriates were found, high-paying jobs in the Gulf region. Saudi Arabia has many high-paying jobs in sectors such as education, the oil industry and the private sector. The most important factor, which acts as a damper to Saudi Arabia for its restrictive and old-fashioned lifestyle In contrast to Dubai. The state is alcohol free and expatriates living here in a group. If an expat is willing to live with these limitations, Saudi Arabia is the goal.

Now even Kuwait is one of the hottest destinations for skilled workers, because they will see a boost in infrastructure. Except that the oil-rich region with the major employment opportunities in the energy sector. But lately it is looking to expand, and promises a lot of high-paying jobs across various Areas offer. Qatar also offers a high standard of living. It is also one of the least-taxed nations. So it is a very attractive destination for those who earn on the search, very high in some time. It provides jobs in the hospitality, accounting, education, engineering, finance, management, healthcare, distribution and airlines.

Last but not least, Oman has a lot of progress careers. IT and communications in this rapidly developing region, and employment in the industrial sector has always been the hottest election. Therefore Golf offers of high paying jobs in every state. You have to opt only for the region of choice and the job that most in the form of money and Lifestyle offers.

About the Author:

Sukhpreet Kaur Sawhney writes on behalf of NaukriGulf.com, a leading job portal for jobs in Gulf Region, and aviation in gulf , Middle East jobs. Naukri.com’s foray into the Middle East is an Endeavour to provide established client base with services that best meet their international requirements as well as expand our operations on to a global arena.

Article Source: ArticlesBase.com – Jobs in the Gulf

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Expatriate years offer a wonderful time and opportunity to reinvent oneself. As an expatriate you want to hold onto those parts of you that you love and that work for you, no matter where you are. But while you trail around the world, you have the very good fortune to pick up new skills and/or explore hidden ones to add to the tapestry of your life.

Yes, it is true that as an expatriate you do miss your home, friends, family, and the sense of community and security you had before relocating abroad. Traditions that have been part of your life for so long have to take the backseat to new conventions and customs. The "norms" back home are not always quite that current in one’s new host country.

In South Africa I am one of the crowd, in the USA I was the girl with the accent, in Israel I was considered nave, in the UK I was mistaken for an "Aussie" and in Korea I, like many other foreigners get a small taste of what life must be like to live life as a celebrity – always get pointed or stared at just for having eyelids, having a western nose and for merely being a foreigner.

When I started my life as an expat I had no idea that I could be perceived so distinctly by different cultures. It also does not take you long to discover that the measures for acceptance back home are quite different elsewhere and so we get to reinvent ourselves. Depending on your outlook this could be an adventure and journey of a lifetime- discovering all the aspects of the whole person that you are.

Yes, expatriate life may be accompanied with many trials and tribulations, but it is not without an equal amount of plusses, happiness and living a life that is anything but ordinary.

You may want to use the time to take stock of who you are and who you want to be. Here are some questions to ask of yourself. Some of the questions may be ones you already know the answer to, others not.

* How do people see me?
* What image do I project?
* Do I hide behind an unexceptionable persona to avoid unnerving others?
* Do I walk away from the passions of my life to suit someone else’s?
* Do I dress to please others, save money or to fit into the crowd?
* Have I wanted to go blonde, but am nervous of the criticism?
* Am I fearful of looking too sexy?
* Am I living in a style that is acceptable to me?

If you have reflected on these questions in the past, these are questions that are due to resurface while living abroad. There is no better opportunity to address them because it is a particular point in your life when you can leave the restrictions encouraged and accepted within your society behind.

In a nutshell your expatriate years could be your destiny. Put yourself first and not do not settle for anything less than your life has to offer.

Quote Of The Week 

"After all these years, I am still involved in the process of self-discovery. It’s better to explore life and make mistakes than to play it safe. Mistakes are part of the dues one pays for a full life." Sophia Loren

By: Kimbles

Article Directory: http://www.articledashboard.com

Kimbles is the resident writer at Xpatpals.com. An expatriate advice resource for expats living all over the world.

Being in a relationship with a Gori : Expat On The Edge

I recently wrote an article (see Virtually Yours: A chat room love story on this blog site) about an American women who fell in live with an Indian man 20 years her junior. They have been in a …   Read more…

Can I work as an Electrican in Oz once Qualified ??

I do not need a skilled visa as I can easily get a spouse visa, but after looking online at ex pat chat rooms etc I am starting to think I may have made a bad decision re-training as a sparky i…   Read more…

A teaching job abroad can enrich your life and add money to your pocket. But do you have what the recruiters are looking for? Do you have what it takes to thrive living abroad? The answers to these two questions must be answered before you continue in your plan to teach abroad.

It might be tempting to skip over this article, sure you are indeed the right person for the job, however, there is key information included in this article which will help determine your employability, your motivation for beginning this quest and your preferences for what kind of position you’d like.

Single or married with dependents?
Teaching couples are the most sought after commodity in international schools because they are the most cost efficient to hire. They are hired together and require only one living allowance.

Singles would come next, and are especially attractive if they are willing to share housing. Also, some schools will only hire single people. Towards the beginning of the new academic year, when schools are becoming desperate to fill their remaining vacancies, single teachers become even more attractive because they are usually very mobile, in that they have no dependents to make arrangements for.

Couples with children would head up the bottom of the list. One or two children are not an unattractive prospect for most schools, but you might find that you will not get extra benefits for having more than two children. Some people I have worked with that have three children have reported that they have had to pay tuition fees for their third child.

Teaching couples
Teaching couples and teachers with dependent spouses and/ or children should apply early on in the process when there is more flexibility. If you are intending to find positions as a teaching couple, you are not likely to be very successful to attend job fairs towards the end of the season.

It is often the case that one member of a teaching couple will find the perfect job, whilst the other member may have to make do with an acceptable or part time post.

Single teachers
Single teachers are able to find positions through to the beginning of the new academic year because they can fill school’s unfilled or unexpected vacancies easily.

Age (at both ends of the scale)
Age might be an issue in some countries because of visa requirements, but usually more mature people are attractive to international schools because they are believed to be stable.

On the other hand, many schools operate a salary scale that makes less experienced (which frequently means younger) teacher financially attractive to schools.

If you are used to being on the top of the pay scale, you might want to ask if the salary step you start on is capped. I have heard that some schools require all new teachers to the school to start on the same salary step, regardless of years of experience.

Qualifications and experience
Some sources of information on teaching in international schools state that you have to have a degree in education, a licence to teach and two years experience. This is not true at all. You will need some kind of qualification OR experience, but there are opportunities for almost everyone.

If you don’t have two years experience, then you will need to pay close attention to the sections on finding a job through job advertisements. You will probably not be invited to attend a job fair, as two years experience is one of their selection criteria for candidates. This doesn’t mean you are an unattractive candidate for schools, just that you aren’t necessarily going to get a job through a job fair.

If you have a Bachelors’ degree and a TEFL qualification you will be able to teach in an ESL position in most schools. The nature of your Bachelors’ degree is usually inconsequential; many countries expect this basic level of education to qualify for a working visa. My first teaching job was in a private language school in Taiwan when the only qualifications I had were a Bachelors’ degree in business and a TEFL certificate that the ink was still wet on.

If you have no teaching qualification at all, and no experience in teaching children, you will need to look at the section titled ‘What employment opportunities are there for my non-teaching partner?’, look into getting a TEFL certificate or one of the many non-government organisations that sponsor or offer internships in teaching in different countries.

If you do not qualify for your dream job now, do not give up in defeat. There are many opportunities to increase your qualifications both by going back to university full- or part-time, or distance learning online. Use this book to help you discover what qualifications you need to get your dream job, and go get them.

Your situation does not need to stay stagnant, there are always options to try. If you absolutely must get overseas now, then you should seriously consider TEFL as you can get a qualification to teach TEFL in 2-4 weeks full time study. Again, with TEFL qualifications there are distance and part-time options available.

Easy-going, flexible and adaptable people
Recruiters are looking for people who will cope well with the move, living in a new culture and fit in seamlessly to existing staffing situations.

Here are a few personal qualities that recruiters are looking for in candidates:

* Good sense of humour
* Easy-going
* Flexible
* Adaptable
* A good team player
* Positive outlook
* Can do anything attitude
* An optimist

Recruiters are only going to employ people who they judge to be able to thrive in challenging environments and in the midst of culture shock. It’s fine to suffer from culture shock, but you must be able to function in your job whilst going through the shock of moving countries.

There is a reason that recruiters are looking for these qualities in applicants. They are needed! It’s tough enough learning your way around a new city in your own home country, now imagine going through that learning process in a different country where you don’t speak the language and can’t read any of the signs.

If this sounds awful to you, rather than an exciting opportunity, then you probably aren’t the right person for a position at an international school. There are lots of opportunities for you to work in a country more in line with what you’re used to. I started out moving from the NZ education system to living in the UK and working in the UK education system. Check out the resources and links I’ve put on my website about finding a position in NZ or Australia.

Teaching in NZ and Australia

This is a better option to maybe work your way up to working in a really foreign environment. Don’t try and be what you aren’t when applying for positions with international schools.

Your children’s education
If you have children you will need to consider how they will adapt to the new situation.

If they are going into Year 11 (Grade 10), it is not advisable for them to enter either the IB MYP or the IGCSE system because both of these programs finish a program at the end of this year. The IGCSE exam is the culmination of two years work, and the IB MYP will only offer certificates to students who have completed two years in the program and studied all 8 subject areas.

Students are able to sit IGCSE exams without being in school for the full two years, but they will need to complete extra study in order to make up for missing the first year of the course.

Students who do not complete two years in the MYP program will receive a Record of Achievement for their final year.

For your older children, the last two years of high school in a British curriculum school or an IB Diploma school also comprise of a two year course. You will need to investigate the possibilities for your particular circumstances once you have identified schools you would like to apply for. Remember that you can ask questions as a prospective parent before you even apply for a position.

Understanding your goals
It is important to understand what you are trying to achieve by making this change in your life. This will help you to focus your job search on securing the position that will enable you to meet your goals.

Consider whether
* you are looking for new challenges personally or professionally
* you are looking to make financial gains or take a pay cut in order to give something of yourself to developing communities
* you want to develop new relationships
* you are looking to fund your move to another country in order to adopt a child
* you want to fund personal or professional research
* you are curious as to what it would be like to live and work overseas

All of these goals are perfectly valid and you probably consider that more than one of them applies to you. Or your goals may not be on this list. Whatever your goals, you must be aware of them and keep them in the back of your mind throughout the process that follows.

You might have more self development goals in mind, and working in an international school is a fantastic boost to your self esteem. I know I am an attractive employment prospect, simply because of the many experiences I have had and my proven adaptability.

Secure Your Teaching Job Abroad Today With These Proven Strategies!

Get your free copy of Kelly’s "Escape The Rat Race – Teach Overseas" here.

By Kelly Blackwell Published: 9/5/2007

 Mail this post]]> http://expatinfos.com/finding-the-right-teaching-job-abroad/feed 0 http://expatinfos.com/advice-on-getting-the-right-expat-health-insurance http://expatinfos.com/advice-on-getting-the-right-expat-health-insurance#comments Thu, 05 Feb 2009 14:07:00 +0000 whatever http://expatinfos.com/?p=191 Sorry, Your Health Insurance Plan Does Not Cover You For That

All too often people think that once they have paid their health insurance premium they are covered for all medical treatment but, as can be seen from this article, this is a long way from being the case.

All too many people assume that once they have a medical health insurance plan they are covered for all eventualities but this is not the case and most healthcare plans will exclude a range of treatments. Many people also think that once they have paid their premium that their medical bills are covered. Once again this is not the case and you will almost always be expected to meet a proportion of your medical costs.

The first important point to understand is that there are different forms of health insurance and that each provides cover for different forms of treatment. A traditional indemnity plan for example will not normally cover preventative treatment, such as annual check-ups and immunization, although this is usually covered under an HMO plan.

This situation is beginning to change and an increasing number of insurance companies are realizing that they can save money if they concentrate their attention on encouraging policyholders to stay healthy in the first place. As a result more and more plans are now covering preventative medicine and some even go so far as to offer discounts for the use of such things as health clubs and programs which help people to stop smoking.

Today most plans cover annual check-ups, annual eye checks, routine medical care, immunization, pre-natal care, well baby visits, urgent and emergency care and hospital care, including x-rays, blood tests and other laboratory work.

The precise mix of treatment covered however will vary between plans and so it is important that you check your plan document carefully to see just what is insured. Equally, you must read through the plan carefully to see what treatment is specifically excluded. Most health insurance plans will clearly specify any excluded treatments which will typically include such things as dental and eye care (except for routine annual eye checks), as well as a sometimes lengthy list of treatments for anything from acupuncture to weight loss.

Another thing that you need to look at carefully is the cover provided for prescription medicines. A growing number of insurance companies are excluding payment for prescription medicines from their plans as the cost of medicines continues to rise rapidly. Where cover is excluded it is often possible to arrange cover through a separate plan, as indeed is the case with dental and eye treatment.

Health insurance plans are complex legal documents in which the detail really is to be found in the ‘small print’. Simply purchasing a plan and assuming that you are covered for all medical events is likely to result in your being told, "Sorry, your health insurance plan does not cover you for that" when it come time to make a claim.

MedicalHealthInsuranceToday.com provides information on all aspects of medical health insurance including individual and family health insurance plans, short term health insurance, expat medical insurance, health insurance for pre-existing conditions and much more.

By Donald Saunders Published: 6/15/2007

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