New Survey: How is your experience using your health insurance and medical benefits?

A new survey has arrived!

Topic:  How is your experience using your health insurance and medical benefits?

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It is not fun worrying about your health when you live abroad, as medical systems can vary from country to country in their efficiency, price and quality.

Some cities have only local hospitals on offer; meaning ones that are staffed by locals and that serve mostly locals. It is not uncommon for these hospitals to have a staff with poor English or any foreign language fluency. It might be necessary for you to find, or in a best case scenario – for your school to provide someone who can accompany you at the hospital to serve as an interpreter. KONICA MINOLTA DIGITAL CAMERAThe quality of these hospitals isn’t necessarily poor, as one may suggest, but not knowing the local culture of “how things work” in a local hospital can indeed be quite nerve-wracking.

Other locations have more expat-oriented medical facilities and/or special-health insurance plans for foreigners. These types of hospitals can put expats at ease in how they are served.  They have foreign-hired doctors on hand that can speak their language.  Expat-oriented hospitals typically also have all the different types of medicine and prescriptions that you may need while living abroad. In less developed areas (ones that have lower employment desirability), you are in luck if you have access to these types of expat-oriented medical facilities.

8566688298_45da9904cc_zIt is all fine and dandy to have super accessible and well-resourced hospitals in your host country, but let’s not forget out the health insurance benefits package that you are receiving through your school.  It is clear that your medical insurance coverage can vary from school to school in their efficiency, price and quality as well. In one international school, they give you amazing health coverage with everything covered (including health insurance for you around the world), no co-payments, with most dental needs included. In the next school, you find yourself very limited to what you can do with your benefits.  A less desirable health insurance package might not include dental or cover you during your travels around the world or back in your home country.

Your health insurance benefits package should always be talked about and maybe even negotiated with your international school before you sign the contract.

Because things are so different for each of us at international schools across the world, take a moment to go to the homepage of International School Community and submit your vote today!

If you are interested, you can check out the latest voting results here.

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We actually have a comment topic related this to this issue. It is called: Health insurance and medical benefits. Describe your experiences using these benefits and going to the local hospitals.

Right now there are over 598 individual comments (about 100s of different international schools) in this comment topic on our website.  Here are a few of them:

“The insurance is pretty good. At hospitals that accept it, you pay approximately $13 U.S. for the visit, treatments and prescriptions. The difficulty is not with the insurance, but the hit and miss quality of care available in town.” – Liwa International School (Dubai, United Arab Emirates)23 Comments

“You can get travelers and accident insurance from your bank here, like at Nordea. It is really cheap and it gives you health insurance coverage anywhere in the world! It is important to know about this option because now the Danish CPR health social health care card doesn’t cover you anymore in Europe, well for non-Danish people with a CPR card.” – Copenhagen International School (Copenhagen, Denmark)244 Comments

“Macau offers free health care coverage to all residents and all who hold work permits. This kicks in after about 3 months of living in Macau. The school helps facilitate private insurance until the government insurance starts up.” – The School of the Nations (Macao, China)20 Comments

“Health insurance is not the best. It only covers emergencies and specialist doctors, not a General Practitioner. I have been to the doctor here, and it was a good experience. Doctors were efficient and I got taken care of pretty quickly. I would advise asking people who have lived here a while, who to go to though.” – The Codrington School (Int’l School of Barbados) (St. John, Barbados)70 Comments

The Journey to School: Chatsworth International School (Singapore)

The journey to work is indeed an important one.  The journey though is not so clear for international school teachers when they are looking for jobs at schools in cities/countries to which they have never been.  So let’s share what we know!

One of our members, who worked at the Chatsworth International School (Singapore), described her way to work there as follows:

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At 5 am the loud whoop-whoop-whoop call of the Asian Koel bird echoes through the condo grounds waking me for another day in Singapore. I enjoy drinking a cup of tea, looking out the floor to ceiling windows as the sun comes up over the park between a couple of tower-blocks. Eighty percent of people here live in apartments or ‘flats’ as they call them. I take the elevator eight floors down and as I step out of the air-conditioning, the heat and humidity immediately hit me. I always enjoy walking through the gardens, past the tennis courts where there is usually a gentleman doing tai-chi or a couple of ladies doing chi-gong. As I step out of the side-gate, the calming notes of a Chinese flute float on the air from the HDB (Housing Development Board) across the road and I always wonder who plays so beautifully?

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It’s a short walk along the sidewalk under the lush canopy of beautiful trees to the pedestrian bridge over the road, where I’m usually lazy and take the elevator up. As I cross the bridge I admire the beautiful pink flowers on the bridge. I always feel at home in Singapore as someone who grew up in the UK because there are many reminders of this city-state’s former status as a British colony – like the double-decker busses passing below me.

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Singapore is a very safe, orderly society and they queue up even better than the Brits. People line up one behind the other and wait for people to get off the bus or train. I swipe my pass at the gates of the Mass Rail Transit (MRT) station which is like the London underground, Paris Metro or New York Subway. I’m lucky I live on two lines – the yellow Circle line and the red North-South line. Down the escalators I go and line up on the red arrows indicating each door waiting for my train. The computer-controlled trains run like clockwork almost every minute, so there’s not long to wait till the glass safety doors open.  Then the train doors open and people exit between the green lines and then the red-coated attendants urge us politely to “move to the centre please.” The trains travel at an enormous speed and I always have to hold on, but the Singaporeans seem to balance effortlessly as they read their papers or check their phones. Singapore is an incredibly diverse society, and I enjoy the bright colours of the Indian ladies in kurtas and the Indonesian ladies with their headscarfs. As we pass through the stations if an elderly person or pregnant lady get on people immediately stand up for them to have a seat. There are also announcements in English, Mandarin, Malay and Indonesian “mind the platform gap”, “if you see any suspicious persons or packages please notify station personnel.”

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Twenty minutes later I get a kick out of getting out at ‘ Somerset ‘ MRT. Up the escalators into the shopping centre I join everyone else getting my morning coffee and breakfast to go: I enjoy Costa coffee from the UK where the guys know I like a “medium latte to go lah?” Everyone speaks English but It took me a while to get used to the ‘lah’ added on to many phrases here. That and the ‘can’ or ‘cannot’ for positive or negative answers. After picking up my favourite mushroom bun from the Swiss Marche bakery, I’m out onto busy Orchard Road, a world-famous shopping street with stand-alone luxury stores.

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Chatsworth International School’s Orchard campus is in a prime downtown location. The blue and white buildings are a historic property, originally a private home for the founder of Orchard Road and then the first Chinese Girls School. I don’t usually go in the front gates past the security guard. Instead I prefer walking up lovely Emerald Hill Road looking at the historic Peranakan shop–houses to the back-gate. I swipe my pass in the electronic lock and another day at CIS has begun.

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This Journey to School article was submitted to us by guest author and International School Community member: Sara Lynn Burrough. Check our her personal blog here.  It is called Travelling Teacher.

So what is your journey to the international school you work at?  Earn six free months of premium membership to our website if you participate in this blog series – ‘The Journey to School’.  Email us here if you are interested.