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CSM Expat Financial Planning's articles section provides essential financial guidance for expatriates, covering personal protection (life insurance, critical illness, medical coverage), global investments, market trends, and ESG factors to help expats make informed financial decisions.

Home Country Medical Benefits Travel Insurance Guide

13 May 2025

Traveling abroad? Discover the critical gaps in your travel medical insurance that could leave you financially exposed. Our expert guide reveals how "home country medical benefits" clauses can unexpectedly terminate your coverage, even for conditions that began during your trip.

Learn essential strategies for handling overseas medical emergencies and explore how private international insurance plans offer superior protection without geographical restrictions. Don't wait for a medical crisis to discover these hidden limitations, prepare now with our comprehensive guide to seamless worldwide medical coverage for international travellers.

The Truth Of Facing Paralysis With Medical Insurance

27 August 2024

The following events I unveil are known only by a few select friends and family members and reflect my personal experiences that have radically shaped my beliefs and understandings of expat medical insurance plans.

I feel the lessons learnt are so vitally important for all expats, whether simply living or working abroad, that it is imperative serious consideration be given to the choice of medical insurance providers and the plan to be purchased. This holds true for individuals and their families as well as company owners and their employees.

Medical Doctors - Practitioners or Salespeople?

05 August 2024

A recent experience highlights the importance of questioning medical advice, the potential for unnecessary procedures in healthcare, and the impact of such practices on overall healthcare costs. This article seeks to answer the question - "Are private hospital doctors providing non-commercially driven medical advice?"

Acute Onset Of Pre-Existing Medical Conditions

11 July 2024

When planning international travel, many individuals face a common dilemma of how to protect themselves against unexpected medical emergencies, particularly those related to pre-existing conditions. This is where the 'acute onset' benefit in travel medical insurance policies becomes a game-changer.

A Guide To Understanding Medical Insurance Underwriting

02 July 2024

Unsure about full medical vs. moratorium underwriting for health insurance? Feeling lost in the world of premiums and pre-existing conditions? This guide cuts through the confusion! Discover the key differences between these two options, their pros and cons, and ultimately - which one is right for YOU!

Learn the difference in medical insurance excess wording

31 May 2024

Policy excess wording will have a significant impact on how a medical insurance claim is treated and reimbursed. Learn the critical differences between plan excess types.
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