International Medical Insurance for Expatriates

Showing posts with label Expat Surveys. Show all posts
Showing posts with label Expat Surveys. Show all posts

22 February 2012

Most expats in UAE ‘ignorant of local culture’

The majority of foreigners in the UAE have no real knowledge of Emirati culture and traditions, a recent survey has revealed.

A survey of over 2,000 expatriates carried out by the UAE's Ministry of Interior found that 60 per cent confessed to having only a "basic" knowledge about their host country's culture, with 12 per cent admitting that they knew “next to nothing”.

Although most expats (70 per cent) said that there were enough resources available to help them learn about the local culture, only a third said they set aside enough time to research it, while 11 per cent confessed they had never tried to learn at all.

This was despite the fact that the majority of expats surveyed (77 per cent) had lived in the UAE for more than a year, while more than two-fifths (43 per cent) had lived there at least five.

When it came to the UAE's religious holidays, only four in ten (39 per cent) said that they knew when they fell and what their significance was, while the majority (61 per cent) said they were "not really" aware, or knew just "some of the time".

Writing in the Ministry of Interior's magazine 999, where the results were published, Karen Remo-Listana and Emma Procter said expats' apparent "complacence" could go some way towards explaining why stories of foreigners being arrested for offences “from kissing to swearing in public flood the papers on a regular basis”.

“The survey data suggests a serious case of ignorance of the country's moral boundaries and thus explains the increasing incidents of expats falling foul of the law,” they added.

Briton Tara Rogers, managing partner of a PR company in Dubai, said that it was very easy for expats to become segregated, but that “over the years, the UAE has created a number of initiatives and programmes that offer expats an insight into Emirati culture, inviting us to share meals, visit mosques and learn about the intricacies of the culture.

“It is true that one might have to make an effort to seek them out but they are there,” she said. “I really think that on the part of expats it is a question of attitude and interest. If you are interested you will meet the most wonderful people. If you just stick to your own, you won’t – as simple as that.“

When you are working or living abroad, or have plans of relocating into another country, it is very important that you protect you and your family’s health and their wellness.

Expatriates make sure you are covered for International Medical Insurance, April Medibroker assists & advises clients living or working abroad to both choose & place the right international Health and Medical insurance products, to suit their needs & budget.

April Medibroker is here to help you - from the initial advice on what expatriate health insurance policy to buy, through to any assistance that you may need in the future. Our staff are only a phone call or email away. Whether you need changes to cover or payment, need help with a claim or have questions about your international medical insurance policy we will gladly help.

1 February 2012

What do british expats miss the most?

A new survey claims the british expats miss the countryside even more than its sense of humour.

The survey by Lloyds TSB International shows that across all countries of residence, nearly half – 46 per cent – of expats miss the British countryside. Those living in the desert landscape of the United Arab Emirates long for the British countryside more than those in any other country, with 85 per cent selecting it as one of the three things they miss the most.

Our sense of humour was the second most missed aspect of life in Britain, chosen by 42 per cent, while our pubs were third, having been selected by 41 per cent of the 1,034 expats that were surveyed.

Britons now living in Germany miss the British sense of humour the most – 65 per cent – followed by those in Canada – 60 per cent – and South Africa – 54 per cent – while our pubs are missed more in Australia than in any other country.

The least missed aspects of life in the UK are our politics and the weather, which both collected only five per cent of expats’ votes. Although 21 per cent of émigrés to South Africa did say they miss our political system.

Despite these pangs for little parts of Britain, expats are generally happy in their new life overseas – 68 per cent said they are happier abroad, while only seven per cent said they had been happier in the UK.

“Often you don’t know what you’ve got till it’s gone so it speaks glowingly of our countryside that expats around the world miss it so much,” said Nicholas Boys Smith, Lloyds TSB International.

“Many expats have an element of the adventurer about them, but they still long for certain aspects of British life that some people here might take for granted."

When you are working or living abroad, or have plans of relocating into another country, it is very important that you protect you and your family’s health and their wellness.

Expatriates make sure you are covered for International Medical Insurance, April Medibroker assists & advises clients living or working abroad to both choose & place the right international Health and Medical insurance products, to suit their needs & budget.

April Medibroker is here to help you - from the initial advice on what expatriate health insurance policy to buy, through to any assistance that you may need in the future. Our staff are only a phone call or email away. Whether you need changes to cover or payment, need help with a claim or have questions about your international medical insurance policy we will gladly help.

14 December 2011

Is Singapore becoming 'less attractive' for expats

Singapore’s reputation as a destination of choice for expats in Asia has been hit by a triple whammy this month. Two measures by the government last week have made the city less attractive to non-Singaporeans – the biggest being a 10 per cent hike in stamp duty for any foreigner wanting to buy property in the city.

Stamp duty was only three per cent at its highest rate, so this move is seen as a strong curb to discourage foreigners from buying homes in Singapore.

Foreign purchases made up 19 per cent of all private property transactions in the second half of 2011. This compares to just seven per cent for the first half of 2009. Low interest rates, political stability and a strong economy have all led to a surge in property investment from wealthy foreigners.

A spokesperson at Singapore-based estate agency International Property Advisor, worries that “we leave foreign investors with a bad taste in their mouths.” they said: “Many foreigners are here to work and settle their families down and they need to own one home for shelter over their heads."

Last week the government also scrapped a scheme that lets graduates of foreign universities stay in Singapore for one year while they look for work.

The Manpower Ministry previously granted an employment pass eligibility certificate (Epec) to foreign university graduates in the hope to encourage high-calibre students to enter the labour force. But it said the scheme was not meeting its targets.

In the third setback for the city state, Singapore has also overtaken Hong Kong as the more expensive city for expats to live in – the first time this has happened in more than 10 years, according to the latest cost of living survey conducted by ECA International.

Within Asia, Singapore is now the sixth most expensive city to live in while Hong Kong has dropped to ninth. Tokyo is still the costliest location for expats.

One British expat who has lived in Singapore for more than five years, said: “From my point of view, I have seen 'real' inflation rise steeply in the past two or three years. This is mostly in the areas of luxury goods, which are often bought by expatriates.

"Rents have obviously increased substantially but so too have items such as alcohol, groceries and taxi fares. In general, prices of imported electrical goods such as computers and cameras have also inflated strongly. It seems to me that published inflation rates seem to be out of kilter with real prices.”

When you are working or living abroad, or have plans of relocating into another country, it is very important that you protect you and your family’s health and their wellness.

Expatriates make sure you are covered for International Medical Insurance, April Medibroker assists & advises clients living or working abroad to both choose & place the right international Health and Medical insurance products, to suit their needs & budget.

April Medibroker is here to help you - from the initial advice on what expatriate health insurance policy to buy, through to any assistance that you may need in the future. Our staff are only a phone call or email away. Whether you need changes to cover or payment, need help with a claim or have questions about your international medical insurance policy we will gladly help.

8 December 2011

Where is the best exapt healthcare?

Expats find best healthcare in Europe acording to the findings of a new survey

The results of HSBC’s 2011 Expat Explorer Survey are out and Belgium placed #1 for expat healthcare, followed by Germany and France. Those rankings are based on affordability, access and quality of care.

This year’s survey involved 3,385 expats living in more than 100 countries. In terms of healthcare, enough data was gathered to rank 31 countries.

Interestingly, the health rankings differ considerably from the overall figures. None of the top 3 destinations for healthcare placed higher than 21st overall. This of course implies expats are not using healthcare as their main criteria for deciding where to move abroad. There is also a marked change in rankings when countries are evaluated solely on ease of organizing healthcare. Here Thailand is tops, followed by Hong Kong and New Zealand.

Overall, there is a clear divide between the countries with the best health systems and those with the strongest financial opportunities for expats. Countries in the Middle East and Asia ranked highly for income and disposable income, as well as work-related criteria, but they did poorly when it came to healthcare.

Saudi Arabia and Egypt, for example, placed 1st and 2nd in terms of income. But for healthcare they placed 20th and 21st, respectively. So for the time being it seems expats will continue to face a trade-off between financial opportunity and superior healthcare.

When you are working or living abroad, or have plans of relocating into another country, it is very important that you protect you and your family’s health and their wellness.

Expatriates make sure you are covered for International Medical Insurance, April Medibroker assists & advises clients living or working abroad to both choose & place the right international Health and Medical insurance products, to suit their needs & budget.

April Medibroker is here to help you - from the initial advice on what expatriate health insurance policy to buy, through to any assistance that you may need in the future. Our staff are only a phone call or email away. Whether you need changes to cover or payment, need help with a claim or have questions about your international medical insurance policy we will gladly help.

6 December 2011

Expats - Is social media invaluable to you?

A survey of over 3,000 expats around the globe has demonstrated the importance of social media to those who live abroad. The research showed that while email is still the most popular way for expats to stay in touch with far-flung friends and family, an increasing number of people are finding more modern communication tools like Twitter and Skype indispensable for keeping up with the news from home.

While 52 per cent of participants said they used email twice a week or more to catch up with loved ones, 39 per cent said that they used Facebook the same amount, while 36 per cent relied chiefly on the voice and video calls platform Skype.

By contrast, only a small proportion said they used more traditional communication methods, such of the landline (14 per cent) or mobile phone (16 per cent) twice or more a week – perhaps, the compilers of the research pointed out, “because new technologies are cheaper to use”.

The most popular social media channel was Facebook, used by nearly seven in 10 respondents, with usage among expats often far higher than in the local population.

In the Middle East for example, 68 per cent of expats said they visited the site, compared to only eight per cent of local people, while in Latin America 72 per cent of expats used it, against 21 per cent of the local community.

Twitter and MySpace were "less widely used", attracting 14 and two per cent of respondents respectively, but two-fifths (40 per cent) said that they were members of the career networking site LinkedIn. In response to the survey, many expats said that the ability to keep up easily and cheaply with loved ones at home was one of the chief draws of social media, but that it was also useful in helping them settle into their new homes.

Commenting on the survey, a British expat in Paris, said: “Social media – by which I mean my blog, Twitter, Facebook etc – has given me a unique means of contacting other Brits/expats who are over here, leading to new friends and contacts.

"With Twitter, for example, the ability to choose people whose tweet topics are of relevance or interest can be invaluable for an expatriate. Whether you are looking for accomodation or tips about your adopted country, Twitter gives you instant and direct access to people in the know; people who are likely to be willing to help because they have actively put themselves out into the Twittersphere. The Facebook 'group' is a similar principle.”

Another expat, who runs a property agency in France, said that social media was also invaluable for the many expats who set up their own businesses abroad. He chiefly uses his Twitter account and a personal blog to reach out to customers and build up an online profile.

“I'm fortunate that my move has coincided with the social media explosion; it has allowed me to work from an office in my garden, with vineyards outside my door, yet position myself among major players in the marketplace and create trust in my brand,” he said. “My work entails finding houses for clients from all over the world, and without social media my marketing budget would be enormous, in fact unmanageable. “
The survey backs up research released last month by Skype, which found that 50 per cent of people are more willing to move abroad than they would have been in the past, largely because technology has made the transition easier.

A spokesperson for HSBC Expat, which carried out the survey, said that the findings were “extremely useful” as they would help the bank reach expats "via the best possible means no matter where they are in the world”.

When you are working or living abroad, or have plans of relocating into another country, it is very important that you protect you and your family’s health and their wellness.

Expatriates make sure you are covered for International Medical Insurance, April Medibroker assists & advises clients living or working abroad to both choose & place the right international Health and Medical insurance products, to suit their needs & budget.

April Medibroker is here to help you - from the initial advice on what expatriate health insurance policy to buy, through to any assistance that you may need in the future. Our staff are only a phone call or email away. Whether you need changes to cover or payment, need help with a claim or have questions about your international medical insurance policy we will gladly help.