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Additional insurances

Beside the healthcare insurance, you may consider taking out additional insurances that cover personal liability, accidents, repatriation to your home country, home contents or legal assistance, etc. When purchasing a policy, be sure to understand and compare policies for what circumstances they cover.

An insurance company often requires proof of residence before issuing a policy. This can be a problem, as it is also mandatory to have healthcare insurance in order to be able to obtain a residence permit. Be sure you have interim insurance to cover this in between period. Ask your HR officer to help you through this situation. Some types of insurance include:

Medical insurance
Issues that are of interest to look at when doing comparative shopping for a policy include the amount of money that is at your own risk, the coverage abroad if you fall ill or otherwise require medical care, level of dental care offered, and coverage of alternative therapies.

Liability insurance
Insurance coverage that offers protection against claims alleging that a property owner's negligence or inappropriate action resulted in bodily injury or property damage to another party.

House contents insurance
This would typically include cover for all your furniture and household valuables. In case of burglary or fire, although a policy should also pay if your possessions are damaged or lost as a result of an explosion, water leaks or if your home is vandalised. This is often for renters, as opposed to Home Owner's insurance (below).

Home owner's insurance
An insurance policy that combines insurance on the home, its contents, and, often, the other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

Travel insurance
This provides coverage for emergencies abroad such as illness, baggage loss, accidental death/dismemberment. This policy often includes trip cancellation insurance.

Car insurance
This is insurance against loss due to theft or traffic accidents. Basic coverage is mandatory if you drive, though there are many optional policy types (i.e. protection from you against people who don't have the proper insurance if they injure you, protection in case an accident is your fault, protection in case a passenger is injured while you are driving, protection in case you have an accident with a stationary object, etc.

Legal aid insurance
Insurance that covers you in the event you require professional legal advice, which can be costly.

Insurance for valuables
Cover for any item of particular value not covered by another policy is possible.

Life insurance
Life insurance is a policy that makes sure your loved ones (whomever you designate specifically) receive money when you die. It is to ensure that they are not left without resources when you are gone.

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