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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.

Open the "Blog Archives" below to use the three filters to quickly find the information you seek

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Better still, by signing up to "Blog News" you will receive notifications of all new blog posts as they are added - we'll keep you informed to keep you ahead.

Please use the contact forms to ask any questions.

CSM Ltd - Expat Financial Planning Blog Team


Police Officer 'didn't expect' colon cancer diagnosis at age 26

Aged just 26 Police Officer Shawn DePasquale is devastated with colon cancer diagnosis

Officer Shawn DePasquale was diagnosed with stage four colon cancer just weeks after joining the Rollinsford, New Hampshire police force.

At just 26-years-old Mr DePasquale said he “didn’t expect” to be handed a stage-four cancer diagnosis at his age, which reportedly came soon after starting a new job.

Rollinsford Officer Shawn DePasquale joined the department in December 2017 shortly before he unexpectedly learned he had colon cancer.

“I mean I'm 26, didn’t expect to come down with this,” DePasquale said. “You hear you have stage four cancer and immediately everything just fades out.”

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.

Bowel Cancer Stats Prove The Need For Critical Illness Protection

Fewer than 1 in 10 have critical illness insurance despite the immense need

Scottish Widows said it was “astonishing” fewer than one in 10 of the UK population have critical illness insurance, as it announced bowel cancer accounted for 12 per cent of all cancer-related critical illness claims it dealt with in 2014.

The company paid out more than £6.5m in critical illness claims relating to bowel cancer, and said the average age of diagnosis among males in 2014 was 50. For females the average age was 52.

Coinciding with April’s Bowel Cancer Awareness Month, Scottish Widows published the figures to emphasise the value and importance of financial protection.

Bowel cancer is the fourth most common cancer in the UK, with around 110 cases diagnosed every day. One in 14 men and one in 19 women will be diagnosed with this type of cancer during their lifetime.

David Hollingworth, associate director at London & Country, said “It’s more expensive than term assurance but that’s because we’re sadly more likely to be more affected by these critical illnesses. It can be invaluable cover to help deal with difficult and stressful situations,” he said.

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