Do I need Health Insurance When Moving to Mongolia?

When planning a move to Mongolia as an expat or digital nomad, one of the essential considerations is healthcare. Mongolia does not currently have a mandatory health insurance requirement for visitors or those seeking residency. However, it is highly recommended that newcomers secure comprehensive health insurance to cover any medical needs during their stay. The public healthcare system in Mongolia may not meet the standards that many expats are accustomed to, and private healthcare can be costly. While there is no minimum coverage amount or length of coverage required by law, having health insurance can provide peace of mind and financial protection against unforeseen medical expenses.

Does Expat Health Insurance Meet the Requirements?

Since Mongolia does not impose specific health insurance requirements for residency, most expat health insurance plans will meet the non-existent legal stipulations. However, it is crucial to ensure that your chosen plan provides adequate coverage for Mongolia. This means checking that the insurance covers local medical facilities, includes medical evacuation (if necessary), and offers a sufficient coverage limit to handle potential healthcare costs in the country. It's also wise to look for plans that offer direct billing with hospitals and clinics to avoid out-of-pocket payments.

Which local health insurers offer this type of insurance?

There are several local insurance companies in Mongolia that offer health insurance suitable for expats and digital nomads. These include Mongol Daatgal, Bodi Insurance, and ARD Daatgal, among others. These insurers provide various plans that can be tailored to individual needs, including options for private hospital access and additional benefits. It's important to compare the plans carefully, considering factors like coverage limits, deductibles, and the network of hospitals and clinics. Some international insurance companies also operate in Mongolia and may offer plans specifically designed for the expat community.

Advice from Expats in Mongolia about Health Insurance

Experienced expats in Mongolia often stress the importance of obtaining comprehensive health insurance. They advise newcomers to look for policies that offer a wide range of medical services, including inpatient, outpatient, dental, and optical care. It's also recommended to choose a plan that provides coverage for medical evacuation, as some medical treatments may not be available in Mongolia and might require transport to another country. Additionally, understanding the claims process and ensuring that the insurance company has a responsive customer service team are crucial for a smooth experience. Expats suggest reading the policy details carefully to be aware of any exclusions or limitations and to ensure that the plan fits your specific health needs and lifestyle while living in Mongolia.