Logistics Hub

    The Expat's Guide to Global Health Insurance

    Understand the difference between private and public healthcare systems, and learn how to bridge the coverage gap before your residency is approved.

    Private vs. Public Healthcare

    Most countries offer both options. Understanding the trade-offs helps you make the right choice for your healthcare needs.

    Aspect
    Private
    Public
    Wait TimesMinimal to noneCan be weeks to months for non-urgent care
    Doctor ChoiceChoose your specialist directlyReferral system through GP
    Hospital RoomPrivate or semi-private roomsShared wards common
    English AvailabilityOften guaranteedVaries by location
    Cost$150-$400/month premiumFree or minimal co-pays

    Understanding the Coverage Gap

    During the initial months before residency approval, you'll need private insurance. The timeline varies by country and visa type.

    See how long you need private coverage for

    Insurance Preparation Checklist

    1

    Before You Move

    • Research visa requirements for health insurance proof
    • Get copies of all medical records and prescriptions
    • Understand your current policy's international coverage
    • Compare international health insurance providers
    • Check if pre-existing conditions require waiting periods
    2

    Choosing Coverage

    • Decide between global vs. regional coverage
    • Determine if you need US coverage included (adds cost)
    • Check network of hospitals in your destination
    • Verify emergency evacuation coverage
    • Review prescription drug coverage and formulary
    3

    After Arrival

    • Register with local health authorities if required
    • Find English-speaking doctors and dentists
    • Locate nearest hospitals and emergency services
    • Set up local pharmacy accounts for prescriptions
    • Keep insurance cards and emergency contacts accessible

    Public System Eligibility by Country

    Each country has different rules for when expats can access the national health system. Here's what you need to know.

    🇵🇹

    Portugal

    Eligibility

    After residency approval (4-8 months)

    Coverage

    Comprehensive public healthcare (SNS)

    Cost

    Free or minimal co-pays

    Note

    Golden Visa holders qualify after residency card issued

    🇪🇸

    Spain

    Eligibility

    After 1 year of legal residency

    Coverage

    Universal public healthcare

    Cost

    Free for residents

    Note

    Non-lucrative visa requires private insurance first year

    🇬🇷

    Greece

    Eligibility

    After residency approval

    Coverage

    Public system (ESY) access

    Cost

    Low co-pays for public services

    Note

    Private insurance often preferred for faster service

    🇮🇹

    Italy

    Eligibility

    Upon legal residency registration

    Coverage

    National Health Service (SSN)

    Cost

    Free or minimal fees based on income

    Note

    Must register with local ASL health authority

    Important Considerations

    • • Visa applications often require proof of health insurance
    • • Coverage requirements vary: some visas require specific minimums
    • • Emergency evacuation coverage is highly recommended
    • • Consider keeping minimal US coverage if planning return visits

    Continue Your Journey

    Destination Guide

    Best Countries for Healthcare

    Compare hospital quality and wait times

    Financial Guide

    Medical Cost Savings

    See potential savings on procedures

    Visual Tool

    Time-to-Coverage Timeline

    See when you can access free healthcare

    Start Your Journey

    Request Your Free Consultation

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