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Blogs & News

Stay informed to keep ahead

Expat financial planning blogs & news

Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

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CSM Ltd - Expat Financial Planning Blog Team


Nurses family faced with GBP 30K bill after holiday death without travel insurance

Nurse Charlotte Carter, aged 30, tragically dies on Dubai holiday without travel insurance

Nurse, Charlotte Carter aged 30, dies on girls’ holiday to Dubai after falling ill on her flight - her family now face a £30,000.00 bill to take her back to UK.

Charlotte was struck down by a heart attack in the taxi to her five-star hotel after a boozy seven-hour flight from Gatwick - desperate pals watched on as the mental health nurse was rushed to hospital, where she died despite medics resuscitating her "multiple times".

Charlotte, of Swansea, did not take out travel insurance ahead of her trip - meaning her family will be forced to pay £30,000.00 to get her body back.

Learn the difference in medical insurance policy excess wording

There are fundamental differences between policy excess (deductible) policy wordings

Expat Medical Insurance policies will generally all have a policy excess (sometimes referred to as a policy deductible) applied in the event of a claim.

The type and wording of a policy excess will have a significant impact on how a claim is treated and the claim reimbursement that is made.

Learn the differences between a 'per annum' and a 'per claim' plan excess.

Graham Briar a British national highlights the risks for foreigners living in Thailand without health or medical insurance.

Graham Briar & partner plea for financial help for heart surgery

Graham Briar, a Thailand based video blogger has suffered a critical illness and urgently needs a triple heart bypass operation.

However with no medical insurance and not enough money to pay for surgery he finds himself in a nightmare situation in a Chiang Rai hospital.

Graham, who has been broadcasting about his current situation live on YouTube, says that doctors have told him surgery will cost at least half a million baht (USD 16,000) or as much as one million baht (USD32,000) - this needs to be paid upfront.

Watch and listen to Grahams plea for help …

What is Co-Insurance ?

"What is co-insurance ?"

Understanding expat medical and travel insurance terminology is hugely important to ensure you fully understand and appreciate what is and more importantly what is not covered within a medical insurance contract.

We start this series of informational guidance blogs on the subject of 'co-insurance'.

In this particular blog we explain what 'co-insurance' is and how it is often integrated into both travel insurance policies and also fully featured expat medical insurance plans.

Dive Instructor Fighting For Life After Stroke

Dive instructor & Oxford University maths graduate fights for life after massive stroke aged 39

A diving instructor is fighting for his life in a Thai hospital after suffering a stroke in his sleep.

Dan Robinson, 39, who is originally from Deighton, suffered a stroke on Ko Tao, an island in the Gulf of Thailand where he has been working as a dive instructor.

The former Greenhead College student, who has been living in Thailand for several years, was taken ill on Wednesday - a year to the day since he married his partner Jurait.

Airlifted from Mauritius

Airlifted from Mauritius

In April 2016, an expat family in Mauritius faced every parent’s worst nightmare when a bad headache soon proved to be a lot more sinister for their 10 year old daughter.

Jamie Copsey and his wife Olivia live on Mauritius with their children Patrick, Matilda (Tilly) and Ferguson.

How costly is an accident abroad ?

Accident costs abroad can be quite staggering

If you're weighing up whether it’s worth covering yourself with travel insurance next time you head overseas, some newly released figures from InsureandGo may make that decision easier for you.

Claims data has revealed its top three most expensive Australian claims over the past year for accidents abroad to cost hundreds of thousands of dollars.

Parents Having To Pay GBP 35K Medical Bill After Daughters Crash On Holiday

Mother of 24 year old Natasha Hutchinson having to pay GBP 35,000 hospital after holiday crash

A British woman been left with a £35,000 hospital bill after she nearly lost her leg in a horror moped crash on holiday in Thailand.

Natasha Hutchinson, 24, was travelling on the back of a a rented moped in the popular beach resort Phuket, when they collided with a lorry and she fell off and crushed her leg.

Miss Hutchinson has now left her parents tens of thousands of pounds in debt because she had forgotten to get medical insurance.

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