Business and Lifestyle in Singapore

Singapore has a reputation for being a leading business hub in the world, as well as providing a high quality of life to expats and residents. Singapore has managed to leave a couple of years of negative growth, due to the global financial crisis, to create a prosperous country which offers many opportunities for expats in healthcare, finance, trade and technology.

The World Bank has ranked the city-state in the first position for ease of doing business. Ernst & Young found the state country to be the third of the most globalised economies among 60 of the world's largest economies according to a report by Ernst & Young (2011). There currently are more than 7,000 companies operating in Singapore, and over 100,000 expatriates working there.

One of the most remarkable aspects of Singapore is the mix of solid traditional values and modern business techniques. Let's take a look at some hints and tips for professional expats living or looking to relocate to Singapore.

Business tips

• Singaporeans are an eclectic mix of ethnics. Companies approach to business may, therefore, differ.
• Respect and hierarchy, as it happens in other Asian cultures, is widespread in business. For instance, junior employees do not deal with senior business partners. 
• Decisions are always made at the top.
• Any debates over disagreement about any decision made are held in private, never in the open.
• It is important to maintain good personal relationships. Make sure you attend any business dinners you are invited to.
• Harmony is sought in business meetings.
• Check out the Ministry of Manpower for more information on business skills that may be in demand.
  

Lifestyle

• When greeting people, a nod and a hand shake are the usual custom. 
• Women need to bear in mind that a big proportion of the population comes from an Islamic background. So, fashion may be a bit more conservative than in Western countries.
• Gift-giving is not as widespread as in other Asian cultures. Gifts are usually modest and not too personal.
• Enjoy chili crab and their carrot cake (not the Western version at all!)
• Singapore can be an expensive country. For example, their excellent healthcare comes with a high price tag.
• Haji Lane is fashionista's paradise! 

Got any other tips? Please let us know!

Thank you for reading this blog.
The Medibroker Team

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Key Questions to Ask when Buying Your International Health Insurance

So, you have decided to make the move and work abroad for some time. You may be excited about the prospect of meeting new people, a great new job and enjoying the culinary treats in your guest country. Next thing is to plan that move.

In tough economic times, we tend to save as much cash as possible. Exercising regularly and eating healthily will definitely help you and your loved ones in different ways. But, a healthy lifestyle will not protect you and your finances against an unexpected event or from an old injury or illness. For example, the bill for just an injured elbow in Hong Kong could cost you £10,000 or more. 

Now, health insurance is not the easiest product to shop for, but it is not as hard and daunting as it may look like at first glance. We thought we put together the key questions to ask your health insurance broker. Got any more questions, just ask!

1.     Do I need worldwide cover?
This will depend on your circumstances at that moment. If you're a contractor and are looking to live in different countries, then your options may be different from expats on a company transfer. This becomes particularly important if your family is travelling with you. Your domestic health insurance cover is not likely to cover you abroad.

2.    What benefits are provided?
Benefits range from regular medical check-ups to maternity cover and expatriation. All you need to do is assessing your circumstances and decide what benefits your health insurance plan needs to include. Your broker can help you with this.

3.    Will my medical history be taken into account?
Any previous injury or illness history will have a bearing on your health insurance policy. This is what we call pre-existing conditions in insurance.

It is important that you tell your broker about any condition or injury that you might have received treatment for in the last five years, including those that are controlled by medication, such as hypertension. The reason for this is that you may not be covered for any of these conditions nor for any derived consequences of them. Your broker will help you choose an insurance cover that best suits your needs.

4.    Why do I need international health insurance?
The chances of you or your family having an unexpected illness or an accident may seem small. But, road accidents or injured limbs can easily set you back a couple of thousand pounds anywhere in the world, which would add to the anxiety of needing to perform well in your new job. An adequate international health cover will enable you to have prompt access to quality treatment or being evacuated home if needed.

5.    Am I covered for routine medical check-ups and dental treatment?
An international health insurance will include a variety of treatments, including medical check-ups and dental treatment. It is generally a good idea to include dental treatment in your policy, as it can be quite expensive to arrange when abroad.

6.    Would I be covered if I become pregnant?
Yes, you may be covered, although insurance plans worldwide may cover different aspects of pregnancy.

7.    Can I choose doctors and hospitals?
Yes, you can choose both the doctors and hospitals or clinics where you wish you to be treated.

8.    When would I be seen?
A qualified healthcare professional would see you as soon as you need it. Even in industrialised countries, such as Canada, waiting periods can be long and bureaucracy overwhelming. Your international health insurance policy will enable you to avoid the hassle.

9.     How much will I pay?
That would depend on various aspects, such as the benefits included and on the number of people who would be included on your policy. Your broker will help you find the plan that best suits your needs and budget.

10.  Can my family or spouse be covered with my insurance?
Health insurance plans can include family members or spouses.

Still in doubt? Then, please ask us!

Thanks for reading this post.

The Medibroker Team


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Living a Healthy Expat Life

Living the expat life may be an exciting adventure for some, even if they have been in the country for a number of years. When expats arrive to their guest countries, everything looks and feels different, and there's usually something new to be experienced for expats who are already settled down abroad.

In both cases, health issues are not uncommon. Anything from a simple cold to the anxiety of living far from family and long-term friends can happen whether you live in Singapore or in Moscow. Preparation is essential to avoid any issues. However, and despite the best preparation, health issues can definitely occur.

Here are some hints and tips to help expats make the most of their experience abroad.

Keep a positive attitude
Going away to a new country and far from your loved ones may be daunting. It is important not to dwell on the negative aspects, and highlight the positives.

Get the basics right

In our home countries, we tend to take for granted the very basics, and we know which situations to avoid. Research the country and the area where you are going to live to find out about housing, transportation, supermarkets, business hours, food prices, etc. This may not be directly related to health matters, but it will add to your peace of mind knowing your way around.

Take health precautions

Health and medical issues might not be a problem in your home country. But, going abroad comes with certain risks. Keeping your common sense is important, especially if you're going to countries which you're unfamiliar with. Some examples are:

• Get your routine vaccinations updated;
• Visit your doctor around eight weeks in advance before travelling to check the preventive measures that you need to take;
• Use sun cream and insect repellent if necessary;
• Avoid eating raw or re-heated food;
• Avoid drinking water that has not been boiled or sanitised;
• Make sure that you eat and sleep well.
  

Always travel safe

Leading a healthy lifestyle will help expats in different ways. However, all the health precautions will not prevent you from getting sick during your expat assignment. Accidents can also happen and it would only add to your peace of mind knowing that you can receive adequate treatment promptly or being evacuated if necessary. So, consider taking an international health insurance policy.

On the other hand, even the most basic treatment can be difficult to arrange abroad and can also be very expensive. Make sure that you're covered for your entire stay and before travelling to avoid any complications.

Keep in touch, but make new friends abroad

It is important to keep in regular contact with your family and friends back at home to help you avoid that loneliness feeling. Making new friends is also key to adapt to your new country. Both locals and other expats can help you learn about your new country or the new language and it will help you reduce stress.

Keep a list of contacts

It will help you find the right support when things become tough. Embassy contact information and business hours, address and phone number of a doctor and hospital, your health insurance contacts, trusted friends in your guest country, etc.


Got another tip? Please feel free to share it with us!

Thanks for reading this post.
The Medibroker Team


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Medibroker Highly Commended at Health Insurance Industry Awards

We are proud to share the news that Medibroker have been awarded a Highly Commended prize at the Cover Excellence Awards 2013 in the Customer Service category.

The Cover Excellence Awards seek to reward the achievements of those in the health and protection areas of the insurance industry. The awards were given at a black tie event held at hotel in Central London with attendees networking with peers from all areas of the protection industry.

We were up against some of the biggest names in the health insurance industry, which made winning even more special for us. Medibroker have been recognised in previous Cover Awards. But, this is our first award since 2010, and it is very satisfying to have been commended again.

Please visit our website to meet our Customer Care Team and learn how we help expatriates with their health insurance needs.


Thanks for reading this post.
The Medibroker Team



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Living and Working in South Africa

International companies have been operating in South Africa for a number of years now. The 'Rainbow Nation' is famous for its diversity, and its vibrant cities, spectacular landscape and striking differences can surprise expats. There is more to South Africa than you might expect for skilled professionals who may want to live and work there.

South Africa has been strengthening both its economy and international ties with the rest of the world ever since the abolition of apartheid. It is the wealthiest country in Africa, by African standards.

During the past two decades, many skilled South Africans have left the country to work abroad, which opens many possibilities for expats. Their most important economic sectors include IT, automotive and communications, as well as mining, banking and services.

Here are some top tips for those of you who are working in South Africa or considering relocating there to work and experience life in this country.

Business tips

• Decisions tend to be made at the top;
• Expect high levels of bureaucracy;
• The level of sophistication, management style and corporate structure tend to vary enormously depending on the type of company;
• It might be difficult to build racially and ethnically diverse teams;
• The common business language is English, which is usually spoken to a high standard;
• Policies to promote black talent are in force in the work place;
• South Africans tend to stress long-term relationships;
• A work permit in South Africa is necessary for all occupations;
• Business code tends to be formal.

Living in South Africa

• Do your research. South Africans expect you to have a good knowledge of the political and historical situation. 
• Locals are fairly welcoming and there are many opportunities to meet other expats;
• The country has no national health plans and health costs are steep. So, international health insurance is a must.
• The cost of living in South Africa is relatively cheap. 
• Visit the 'Dragon Mountains' or Drakensberg for spectacular views and rock art.
• Take a wine route.  
• Don't miss live music and their architecture.
• Try their delicious biltong and bobotie. 

Have you got any other tips? Then, please share them with us!

Thanks for reading this post.
The Medibroker Team





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Living and Working in Japan

Living and working in the Land of the Rising Sun can be both a unique and daunting experience for expats. This beautiful country, which combines an ancient culture with Western influences, is still attracting business despite the economic crisis.

Japan's location and the fact that it is an island nation have deeply marked the country's development. Around 98% of the population are ethnically Japanese, although Japan has one of the largest expat communities in the world. Around three million expats live in Japan, which makes roughly 1.9% of a total population of 128 million people.

Expatriates contribute to the third largest economy in the world by nominal GDP. The impact of the earthquake in 2011 was small and limited to certain sectors, such as agricultural produce. However, the crisis is still present, although Japan is still attracting expats who may want to do business there.

Many skilled expats work in specialist positions in the automotive sector, construction, medical or environmental technology or industrial translators. Other sectors are IT or electronics. Many other expats hold positions in the diplomatic service, foreign correspondents or have been transferred to within their own companies.

The local customs and the overwhelming bureaucracy can be barriers to both living and working in Japan, together with the fact that everything often works according to different, unwritten rules. Fear not! There are ways to get round these difficulties. Let's take a look at some hints and tips to help you make your stay in Japan a profitable and stress-free experience.

Working in Japan

• Learn Japanese. It will ease your transition;
• A heightened sense of formality is present in the business world;
• Be aware of hierarchy in the workplace;
• Team work, harmony, compromise and self-discipline are stressed;
• Decisions are rarely made in a meeting;
• Do not underestimate the importance of building relationships with both senior and junior colleagues;
• Building contacts in the local business community is key;
• Silence is considered a virtue. At a business meeting, silence may be used to reflect on what has been mentioned.
  

Living in Japan

• Japanese use fresh vegetables and ingredients in their cuisine;
• A typical Japanese meal is usually made up of various smaller dishes;
• Many kinds of Western cuisine are also popular;
• Gift-giving is encouraged in Japanese culture and used to build up relationships both in business and in life.
• Expats can enjoy public healthcare, but the high price tag and other aspects make it easier for expats to take out an international medical insurance policy before going to Japan.
• Explore Japan's country side and temples.
• Check out the ice sculpture festival in Sapporo. 
• Visit the ancient former capital of Nara.
• Check Naoshima's contemporary art museums.

Have you got any other tips? Please let us know!

Thank you for reading this blog post.
The Medibroker Team


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Living in Russia as an Expat

Expats living in Russia can experience a unique blend of traditional culture and Western influences. The Russian Federation, as it was called after 1991 when the Soviet Union ceased to exist, is the largest country in the world. It spans nine time zones and two continents.

The energy sector has traditionally been a magnet for expats who wanted to gain further working experience or doing business there. Russia is the second largest producer and exporter of natural gas in the world and the largest producer of oil, surpassing Saudi Arabia. The country also has deposits of coal, timber and various other minerals. Other strong sectors are finance and construction.

Russia has made significant progress during the past decade in modernising its economy, which is reflected in the number of Western businesses which are now headquartered in Russia, mostly in cities such as Moscow and St Petersburg. While many junior or mid positions are now starting to be filled with locals, many senior and specialist roles are still held by the expat workforce. 

There are many stereotypes about the country which can be seen as a barrier to living and working in Russia. However, business people based there tend to downplay those ideas. Nowadays, Russia is shifting towards capitalism and many believe that cities such as Moscow are a far cry from the 1990s. The concept of innovation is welcome in Russia and they tend to be open to new ideas in business.

Here are some hints and tips which you might find useful if you're an expat living and working in Russia or are looking to relocate there. Have you got any others? What's your experience?

In business

• Russians tend to work long hours;
• Learning Russian will be useful in business and would ease your transition;
• Russians may have knowledge of a foreign language and a good idea about the West. But, don't assume that their level of fluency in English or that their idea of Western culture is good;
• Networking and finding partners is key to do business in Russia;
• A business meeting is a serious occasion and should not be treated lightly. Body language in business meetings is minimal.
• It is important to dress smartly and to try to appear as a decision-maker, so that Russians don't lose any interest;
• Allow time for Russians to answer. Expect some silence before you get a reply to your question;
• Russians tend to be more direct than we are in the West.

In life

• It is illegal to film on the metro;
• Russians can be very hospitable, and it's customary to bring flowers or wine if you're invited for dinner;
• Don't forget to bring your international health insurance with you to avoid any issues that you might have;
• Smiling is not as usual a habit as it is in the West;
• Explore! You might find fascinating their varied landscape, rich traditions, art and architecture;
• Visit Lake Baikal;
• Try their pelmeni, beet soup and other delicious recipes from their traditional cuisine.

Thanks for reading this blog post.

The Medibroker Team

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Doing Business in Argentina - Hints and Tips

Argentina offers one of the best places to live in Latin America. This may be a bold statement, but expats living in Buenos Aires or other major cities enjoy a high-quality lifestyle which is relatively cheap and safe, compared to other cities in neighbouring countries like Brazil or Uruguay.

Therere were nearly two million foreign-born people living in Argentina out of a population of over 40 million, according to the 2010 census.

These may be some of the reasons why Argentina is increasing attracting big number of expats who may want to do business, as well as experiencing life there.

Here are some hints and tips. Have you got any? Feel free to add your tips!

• Argentina is a unique market, different to other markets in Latin America;
• Learning Spanish will open many doors in business, as well easing your integration;
• Personal relationships play a big role in business;
• Latin Americans tend to be sensitive to the way non-Latin Americans do business in their countries.
• Experience the great outdoors. Argentina has a spectacular and varied landscape, such as the Patagonia (pictured).
• Slow down! Time keeping in business may be a bit different in Argentina, which means that it may take more time there to do the same things. This doesn't necessarily mean it's bad for your business.
• Healthcare is good across the board, but access to adequate facilities and to a high standard level of care may be too pricey for uninsured expats.
• Try and experience the many cultural activities. Buenos Aires is well-known for its thriving night life.
• Argentinians enjoy their food, ie, barbecued beef, meat or cheese empanadas, alfajores, etc. Their cuisine has been influenced by the diverse cultures that have made up the country over time, eg, Spanish, Italian, French, other Latin American countries, etc.

Thank you for reading this post.

The Medibroker Team

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We Have Been Shortlisted for an Industry Award!

We are delighted to share the news that Medibroker have been shortlisted for the best individual international private medical intermediary of year award.
                        

This is a prestigious industry award that seeks to recognise advisory and consulting excellence across Britain's insurance intermediary community. According to Health Insurance Daily, there have been a record number of entries this year, also the strongest set of submissions in recent years.

We are indeed up against some important names in the international health insurance industry. Medibroker took up top honours in 2012, and we hope that the quality of our advice and customer service brings us further success in 2013.

It's an honour to be shortlisted. Fingers crossed!

Thank you for reading this post.

The Medibroker Team

Living and Working in Chile

Chile is a beautifully diverse country located on the South American West coast, which keeps attracting foreign investors and expats eager to trade in the positive business environment there. Let's take a look at some facts and tips for expats looking to live and work in Chile

The word diverse doesn't do justice to the array of different features nature has laid out in this country. It spans 4,300 Km, from the driest desert in the world to massive glacial fields, and in between expats can find beaches, geysers, lakes and volcanoes. It is no surprise that Chile considers itself the country of poets. This landscape has inspired two literary Nobel prize winners.

Despite its remote location, expats working in Chile contribute to the fifth largest South American economy. Having a reputation for economic stability, Chile has managed to survive both the global financial crisis and a series of natural disasters back in 2010. In fact, the Chilean economy grew by 5% in 2012 and has received the strongest sovereign bond rating in South America.

So, it comes as no surprise that large multinationals, such as HP or Yahoo, are present in the country. For expats looking to relocate to Chile might be beneficial to look for employment in one of these business giants or in similar institutions as a first port of call.

Working in Chile

• Expats will need a work permit, which can only be achieved via a signed job contract.
• Being able to speak Spanish will open the door to more employment opportunities.
• Connections are paramount in the business environment in Chile. Convivial meetings over dinner can aid the networking process.
• They have one of the longest working weeks in the world. Many residents put in above the 45-hour work week required by law.
• Be prepared for everything to move a little slower in Chile than in other countries when it comes to answering e-mails and returning phone calls.

Living in Chile

• Arriving expats do not normally report problems of culture shock.
• Chile has one of the lowest levels of corruption in Latin America.
• Expats will appreciate Chilean's warmth and local cuisine. 
• Chileans lead very active life styles and enjoy interacting with friends and family. 
• The majority of the population identifies as Catholic. Religious diversity is respected and protected.
• The Chilean healthcare system is one of the best developed in the area, which also comes with a high price tag.
• Tipping is customary in restaurants only. A tip in family-run restaurants will be appreciated.
• Vegetarians will have it easier there.
• Don't forget to try their cheese empanadas!

Have you got any tips? Your comments are warmly appreciated.

Thank you for reading this blog.

The Medibroker Team

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Expat Life in Saudi Arabia

Saudi Arabia holds a quarter of the world's oil reserves,. The wealth that comes along with oil has unsurprisingly attracted numerous multinational companies and expatriates in recent years.

Nearly 80% of the over 26 million residents concentrate in cities, being the Kingdom dominated by desert! There are roughly 5.5 million expats living in the Kingdom, most of whom are manual labourers from South East Asia. The number of Europeans and North Americans living in the country is estimated at 300,000.

Oil accounts for around 45% of the country's GDP (90% of their export gains). This is partly the reason why Saudi Arabia is one of the few high-income countries with a strong industrial sector. The tertiary sector is the second most important economy sector in the country. Power generation, telecoms and the petrochemical industry have been given particular attention in the last few years.

There are many job opportunities if expats have specific expertise and a high level of experience. Many expats work in the engineering, healthcare, IT and finance sectors. It is rare to go to Saudi Arabia without a job offer. In fact, a job offer is a pre-requisite to be given a work permit, and can only be requested by the company that sponsors expat workers. At the same time, sponsors are responsible for expats, their well-being and good behaviour.

Expat Life in Saudi Arabia

• Islam impacts every single aspect of life and has moulded one of the most traditional societies in the world. This means that expats need to be willing to accept a new set of values, which include gender segregation in most public places and the need to dress appropriately.
• Music and dance are important aspects of cultural life. There is a lack of cinemas and theatres in accordance to Islam, but there are festivals, such as the Al Janadryah.
• There are opportunities to socialise with other expats.
• There are not many religious sites in Saudi Arabia, as the form of Islam that is practised there is salafism.

Is there anything else that we haven't covered? Then, please let us know!

Thanks for reading our blog.
The Medibroker Team

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Living and Working in Mexico as an Expat

André Breton called Mexico the surrealist country par excellence, given the modern art and culture which coexists with the Aztec pyramids and magnificent scenery. This is the contradicting impression that the growing number of expatriates in Mexico usually get when travelling from the lively cities to the peaceful countryside.

There certainly is more to Mexico than holiday areas. They country's GDP is estimated to grow by 3.5% in 2013, having grown by 3.8% last year. A high percentage of Mexico's trade falls under free trade agreements, such as NAFTA.

Despite this growth, the country still faces many challenges. There is a need for big improvements in areas such as the energy sector, healthcare and infrastructure. This may be one of the reasons why expats with specialist skills are welcome. Some of the main industries in Mexico are: oil and gas, chemicals and pharma, consumer durables, electronics and mining.

Hints and tips

Here are some hints and tips for professionals who wish to live and work in Mexico.

1. Try and learn Spanish. It will ease your experience there.
2. Most companies will be highly hierarchical in structure and instructions to subordinates are given in a direct manner.
3. Personal relationships are at the heart of business dealings.
4. Junior employees are not expected to deal with senior managers.
5. Agendas may not always be followed at business meetings when produced.
6. Family names are often used in business circles, as well as formal titles.
7. It is important to dress smart both in business and social situations.

Mayan ruins of Tulum

What else to do

Mexicans like to enjoy life after working hard.

• Festivals happen all year round, many of them being related to religion.
• The breath taking nature is highly protected.
• Check the pyramids, not all of them are the same.
• Mexican music is not only mariachis!

Is there anything that you would add? Please let us know!

Thanks for reading our blog.
The Medibroker Team


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Tips for Professional Expats in Kenya

Kenya is a beautiful and diverse country which keeps attracting international companies, due to the work opportunities available in the oil industry and other industry sectors. Despite being a developing country, Kenya is slowly improving its prospects.

In fact, professional expats in Kenya contribute to the biggest economy in the area. In 2011, the country's economy grew by 5.1%, and its projected growth rates are around 6% in the near future.

There is a large number of expatriates working for non-profit agencies. Many expats work in big international companies, usually supplementing local labour with specialised skills. Other thriving industries are tourism and flower export. New infrastructure products may also provide opportunities for expats in Kenya.

Why live in Kenya?

Kenya has a lot to offer to professional expats. Here are some reasons to consider a move there.

• Working in Kenya allows professional expats to participate in East Africa's economic growth. It will add new skills and reinforce your current ones. 
• Specialised skills are welcome.
• Good international schools.
• It is a cosmopolitan country.
• World-class restaurants and entertainment.
• Kenya is a global hub for travel and a gateway to other African countries.
• Their welcoming people, diversity and unique culture. Foodies will find something to suit their taste, such as kale stew or cornmeal mush.
• The gorgeous landscape and national parks. 

What to take into account?

Here are a few hints and tips to ease your move and help expats make the most of their Kenyan experience.

• English is the official language. Swahili and Kiswahili are widely spoken.
• There is a well-established expat community. A good place to start is the notice boards in the malls once in the country.
• The working week is usually 45 hours.
• The fiscal year runs from 1st January until 31st December. Taxes vary from 10% to 30%.
• The medical standards in Kenya reveal the huge differences in population. Most expats are usually covered by their employer. However, expats are advised to check with a specialist broker before leaving for Kenya, so that they can obtain advice on the best international health cover while living there.
• As Kenya is popular with tourists, facilities are up to Western standards.

Can you think of any others?


Thanks for reading our blog.
The Medibroker Team


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Professional Expats Living and Working in Abu Dhabi

Abu Dhabi, Arabic for the 'Father of Gazelles', is the capital and the second largest city in UAE. Located in an island in the North-Eastern part of the Arabian Gulf, it is a popular choice for professional expatriates and a good alternative to Dubai in terms of employment opportunities.

In fact, this small emirate has one of the largest expat populations in the world. More than 1 million expats out of a population of just 2.5 million live there. It is interesting to note that, according to the UAE government, there were only 211,000 people living in this city in 1975.


Like in the rest of UAE, people in Abu Dhabi are proud of their traditions, despite the modernisation. So, it offers expats a variety of experiences, which expats might enjoy such as camel races pictured above.

With Abu Dhabi holding 9% of the world's oil reserves, it is no surprise that the majority of expats in Abu Dhabi work in the oil and gas industry. Although their economy relies mostly on natural resources, other sectors are becoming increasingly important. Finance, real estate, business services, construction and tourism are all growing sectors and help to make Abu Dhabi the strongest contributor to the UAE's total GDP.

Let's take a look at what Abu Dhabi has to offer to professional expats who are looking to relocate or are already living there, and some tips to make their life easier.

• It has one of the lowest unemployment rates in the world. 
• Many positions require expats with specialised knowledge and good language skills.
• A number of international groups have their headquarters in the area.
• For expats looking for work, job websites and the local Reception Office are a good point to start when doing their job search.
• Different government entities offer recruitment opportunities on their websites. For example, the Ministry of Presidential Affairs (in Arabic, though). 

Some hints and tips

• The city and the social life are heavily influenced by Muslim traditions and it is very conservative.
• Smoking is banned in public areas.
• Expats should avoid wearing revealing clothes.
• Always wear sun lotion to protect yourself from strong sunlight.
• Although healthcare in Abu Dhabi is regarded as good, it is also very expensive.
• There is a slower pace of life to Dubai.
• The volume of expat clubs make adjusting to expat life in Abu Dhabi easier than in some countries.

Have you got any tips or feel we haven't covered everything? Then, please let us know!

Thanks for reading this blog.

The Medibroker Team


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Self-Care Day

Healthcare is one of the main aspects that can prevent expats from making the most of their stay abroad. The stress of daily life, together with the added pressure of life in another country and culture, can affect expatriates' health badly and even lead to non-communicable (NCDs) diseases, such as cancer or diabetes.

In fact, non-communicable diseases currently lead to 63% of the annual deaths worldwide, and they are recognised as a major health challenge. Yet, NCDs are preventable through self-care. The importance of self-care is such that the International Self-Care movement launched in China in 2012 and went global this year, celebrating 24th July as the International Self-Care Day.

This movement aims at encouraging individual responsibility for health and raising awareness of the steps to achieve well-being. It also calls on public authorities to recognise the role of self-care in reducing the socio-economic burden of diseases, which is currently estimated at $30 trillion over the next 20 years.

So, looking after ourselves has become essential. Expats can avoid up to 80% of chances to have a stroke, heart disease and type-2 diabetes through self-care. Anything unexpected can still happen. But, some simple hints and tips can help you look after yourself.

1. Think of your mental, as well as physical well-being.
   Think of self-care as a holistic concept.
   
2. Enjoy those activities that can make you feel your best.
   Join a local club or any other activity that can take your mind off things and make you learn or practise a skill. Sometimes, a bit of time on your own can help you re-focus.
   
3. Engage with others in your host country.
   Surround yourself with nice people. Making friends with both locals and other expats can help you feel at ease in your new country, even if you've been there for a while.
   
4. Check yourself from time to time. 
   Am I eating well? Do I need a break? Avoid alcohol, cook regularly, etc. Not always easy, is it?
   
5. Exercise regularly.
   Just a 10-minute walk can boost your immune system and help fighting against anything from simple colds to any NCD mentioned above. 

Although expats would still need to be covered while living and working abroad, a bit of self-care can go a long way!

Thanks for reading our blog.

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5 Reasons to Use a Specialist Health Insurance Broker

In the digital age, comparison websites may seem to be the best place to look for the best deal in a variety of products, such as plane tickets. Even insurers have ventured in this area, with products such as car and home insurance being available for comparison.

When it comes to private medical insurance though, comparison sites have not yet overtaken the private medical insurance sector. This week, we explain the main reasons why expats and UK residents may find easier to use a health specialist broker.

1. Ease

Using a specialist broker can make it easy for expats and UK residents. The sheer complexity of the product on offer is one of the main reasons why comparison sites do not currently provide much value in this area. 

Insurers do not have the same level of cover across the same countries. They are also likely to consider each client differently given their medical history or any that they might have pre-existing conditions. The complexities multiply even further when it comes to corporate cover and group schemes. Insurers may offer discounts and special deals to win the day. 

2. Speed

Given the wide level of choice available, finding the right private health insurance product can be time-consuming and frustrating. Since specialist brokers are used to the intricacies of private medical insurance and know the market, they are able to offer impartial, one-to-one advice based on clients' specific needs in much shorter time.

3. Customer service

Brokers place a huge importance on customer care. They do not only provide assistance to find the most suitable policy, they also offer help with paperwork as part of their service. This is specially useful when expats are based somewhere remote.

4. Less financial risk

The complexity of the product may also lead to the poor, but common decision of not buying any insurance or not taking out the most suitable policy. With the costs of healthcare on the increase globally, this would not be the best option for expats.

Take the position of a resident in any country around the world who has enjoyed free social security and is starting work abroad as an expat. They may not know the actual costs of medical treatment abroad. For example, in Hong Kong a fractured ankle can cost you £12,000. So, the search is well-worth it.

Also, it is worth pointing out that private health insurance is becoming compulsory for expatriates in some countries around the world.

5. Peace of mind

It can be hard for expats living and working away from home. Knowing that you are covered for any health related issues can ease the burden of living abroad. 

This is particularly important in the case of any unexpected events, such as road accidents, which are common in developing countries. Pollution-related health issues are also common in some countries.

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5 Tips to Living in Hong Kong as an Expat

Hong Kong is one of the most vibrant expat destinations at the moment. According to figures released by the Security Bureau, there was a 21% increase in the number of migrants in 2012 as compared to 2011. Many foreigners who relocate to Hong Kong do so for business reasons, mostly in its thriving banking and finance sector.

Here are five tips and things to take into account about Hong Kong, so that expats can make the most of their living and working there. Have any other tips? Then, share them with us.

• The city is densely crowded

So, don't be annoyed if people bump into you. Hong Kong has over seven million residents living in a small space. 

• Shortcuts

Knowing the shortcuts is vital in the rush hour or when its raining, as going from point A to point B may not be as straight forward as it may seem, according to expats currently living there.

• The Feng Shui concept 

It is taken seriously in everything from arranging furniture to making big decisions. So take this into account in business meetings!

• Good dining out

As most apartments are small and there are so many expats living in Honk Kong, there are many dining options ranging from traditional Chinese cuisine to Western food. Dim Sum is a speciality. Don't forget to wave your arm on the air if you want to be served in a restaurant, though.

• Pollution levels are very high

Pollution was seen as an issue by many companies in recruiting and retaining international talent, since it can produce some health issues. In case expats need to seek medical advice, they should know that Hong Kong's standard of healthcare is excellent, but it is also the second most expensive healthcare system in the world.

• Nature

Easy access to nature is one of the best things about Hong Kong. Go hiking to Lamma Island, Lantau or venture to Sai Kung for secluded beaches.














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Tips to Fight Culture Shock

Culture shock is one of the most common issues expats experience when they relocate. This obviously varies from person to person, but also according to a number of other variables, such as guest country, knowledge of the new culture, work and living conditions, etc. To help with this, we give a few hints and tips below which might be useful for expatriates and professionals.


What is culture shock?

It can be defined as the difficulties in adjusting to a different country and culture. All expats experience cultural shock to some extent, although not everyone goes through it in the same way. In fact, it is possible to experience it more than once.

• Some expats struggle during their first few weeks, until they start getting an understanding of their host country, make friends and start to settle down.
• For some others, the emotional roller coaster is greater after they stop finding everything fascinating and wonderful. That's when adjustment problems arise, such as language issues, loneliness, etc.
• Other expats have only experienced this after relocating several times to different countries, which might be surprising. 

What are the symptoms?

Loneliness, avoiding others, refusal to learn the language, having negative judgement and stereotypes about guest country, continuous health worries, concerns about being exploited or injured, etc.

Have you ever experienced any of this?

At a corporate level, the expatriate the rate of expats that cannot overcome culture shock is extremely high. Some sources quote a 40% rate.

Hints and tips

So, as culture shock can turn every cultural transition into a real struggle for expats, let's take a look at a few hints and tips to help you fight it back. Please feel free to share any other tips that might be useful to others!

1. Get the basics right.
   Before you relocate, find out as much as you can about your guest culture, the area where you are going to live, means of transport, business hours, any supermarkets nearby, etc.
2. Meet new people.
   It can be tiresome and frustrating. You have your friends and family back at home, but it is useful and fun having someone to talk to from time to time.
3. Don't avoid locals.
   Locals can be as afraid of getting it wrong as you might be! Local can help you adjust quicker and in a more fun way.
4. Learn the new language.
   It'll always be easier if you learn the local language, even if it's just to get by. Locals will be more appreciative and it'll be more satisfying for you.
5. Keep in regular touch with your family and friends back at home.
   This can help you with being less lonely.
6. Take care of yourself.
   Exercise regularly, eat well, enjoy as much as you can and smile a lot.
7. Give yourself time to adjust.
   The emotional roller coaster that expatriates experience is normal. It takes some time and effort to adjust to a new country and culture. So, be patient with yourself! 

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Living in Shanghai as a Professional Expat

Although cities like Hong Kong and Beijing seem to take the limelight, Shanghai is quickly becoming a leading international centre, attracting so many expats in recent times. In fact, it is considered to be mainland China's nightlife capital. According to Chinese officials, there was a 6.7% increase in the number of foreign residents at the end of 2012.

Companies would certainly brief professionals before their move. But, expats may still find it an exciting and, even, daunting experience. Here are some tips to help expatriates when relocating to Shanghai.

• Learn Mandarin.
  While most businesses have English-speaking staff, it goes without saying that learning Mandarin or the local dialect will ease your stay in Shanghai and allow you to settle quicker.
• Hierarchy in the workplace.
  Respect and relationship building, which they call guanxi, is more important in China than in Western countries. Many businesses operate a very hierarchical system.
• Take many business cards.Don't be surprised if the locals exchange business cards at lightning speed even before they shake hands at a meeting.
• Wheather.
  Humidity in Shanghai can be as high as 90%, whilst temperatures from late June to September can rise to 35C.
  
  In winter time, warm clothes are a must. Temperatures can be chilly and reminiscent of the cold winters in Central Europe. However, temperatures from May until the first weeks in June and in autumn are the best in the year.
• Food and drink.
  It is advisable to drink boiled or bottled water, and to avoid unwashed food items, especially in the summertime.
• Health and wellbeing.
  Pneumonia and influenza are common problems in winter, especially as houses and offices are badly insulated. Also, expats should have their immunisations are up-to-date before travelling.
  In the event that expats needed any medical attention, language and costs can be a problem.
  
  Although there are English-speaking staff in local hospitals, local expats have reported big language barriers. Also, doctor's fees and medication are charged separately, even at the foreign clinics, where out-patient services are charged at a higher price than the ordinary surgeries. Hence, the importance of seeking advice on international medical insurance.
  
  Also, it is interesting to know that an introduction to the right doctor in China can save time. especially if it is a referral from a Western clinic.
• Tipping
  Tipping is not customary in China, and tips are often not accepted. But, the idea is catching on. Fine dining restaurants and international hotels, might add a percentage to the total bill, though.

Have you got any tips or share any experiences?

Thank you for reading.

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5 Top Tips for Professional Expats

Today's professional expats focus on living an experience in their guest country, unlike other . Since relocating to a new country may not be the easiest thing to do, we thought we might list a few hints and tips to ease the strain of moving away from friends and family.
generations of expats

Got any others? Please feel free to add them to the list by commenting on this post.

• Try and learn the local language.
  Learning the local language before relocating can save expats some time and ease their settling in that country. Locals usually appreciate foreigners' efforts to speak their language beyond 'please' or 'thank you'.

• Be curious.
  Learn about the history of the country you are staying anything that can make your stay easier, such as dress code or observe how locals interact, etc.

• Research, research, research.
  OK, so your job takes you to Dubai, with so many luxury hotels, tax allowances and sunny weather this may be the perfect destination. However, did you know that you'd only be allowed to see a doctor for free in case of emergencies?

• Join a club.
  Increasing your social network is can be both satisfying and useful. For example, both locals and expats can show you how to sort out those situations that you might take for granted in your home country, ie, opening a bank account, etc.

• Be flexible.
  Accept that things can sometimes not go according to plan, so that you can make the best of any situation.

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