Health

With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to Montenegro and, once abroad, you might be surprised by the care system you find there. So, before leaving, make sure you have appropriate cover!

In fact, some countries do not provide any social protection at all, while others are extremely costly: $15,000 for an appendectomy in the USA, for example. Also, medical standards and access to care can vary greatly depending on your destination giving you no choice but to turn to private doctors and hospitals. You should also be aware that the insurance provided as part of your credit card package is limited to 3 months and is not suitable for expatriation purposes (excess to pay, low levels of benefits and a high number of exclusions).

Opting for an international healthcare plan will provide you with benefits and levels of cover specially designed to suit your expatriate profile: freedom to select the medical facility or doctor of your choice, direct settlement of hospital fees in Montenegro and reimbursements in the currency of your choice.