MongoliaHealth Insurance for Expats in Mongolia
Summary: As you plan your move to Mongolia, a key decision awaits: selecting the right health insurance. Should you go with local or expat coverage? This article explores the options and includes experiences shared by expats in Mongolia, offering a glimpse into what might work best for you.
Mongolia's healthcare system presents unique challenges and opportunities for expats and digital nomads. Understanding the health insurance landscape is crucial for those planning to move to or currently living in this vast and culturally rich country.
Health Insurance Companies in Mongolia
In Mongolia, several health insurance companies offer coverage that can cater to the needs of expatriates. The most popular insurers include Mongol Daatgal, Bodi Insurance, and Ard Daatgal. These companies provide a range of health insurance products that can be tailored to the specific needs of expats. Expatriates are indeed eligible to purchase health insurance from these local companies, which can offer plans that cover both inpatient and outpatient treatments, as well as emergency services.
Expat Health Insurance in Mongolia
Many expats living in Mongolia opt for specialized expat health insurance plans. These plans are designed to provide comprehensive coverage that meets the unique needs of foreigners living abroad, including coverage for medical evacuation and repatriation, which may not be adequately covered by local insurance policies. The decision to buy specialized expat health insurance often stems from seeking peace of mind and ensuring access to a wider network of healthcare providers, both in Mongolia and internationally.
Local Health Insurance vs. Expat Health Insurance
Expats and digital nomads in Mongolia typically face the choice between local health insurance and specialized expat health insurance providers. While local insurance companies can offer adequate coverage for many situations, expats often prefer the broader coverage and higher limits provided by expat health insurance plans. These plans are specifically designed to address the complexities of healthcare systems abroad and the potential need for international treatment options, which can be particularly important in a country like Mongolia where medical facilities may not always meet international standards.
Considerations for Health Insurance Abroad
When deciding on health insurance while living overseas, expats should consider several key factors. One important aspect is the method of payment; some insurers offer direct billing with hospitals and clinics, which can be more convenient and reduce out-of-pocket expenses. Others may require the insured to pay upfront and submit claims for reimbursement, which can involve a waiting period. Additionally, the scope of coverage, including whether it extends to medical evacuation, the quality of healthcare facilities included in the network, and the ease of accessing customer service, are all critical considerations that can impact the overall effectiveness and suitability of a health insurance plan for an expat's needs.
About the Author
Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC
Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
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