You've landed yourself that dream job and are super excited about moving to that wonder city that you have dreamt of since you gave the first interview. You're bags are packed, your going away parties have been attended and all that remains is boarding that flight... but wait you still don't have any insurance cover.
The last thing you want, when you move to a new country for a new job are teething problems. All the excitement can fizz away in a second when faced with difficulties right in the beginning A work abroad insurance plan protects you against such unforeseen mishaps.
Such a policy is based on the type of profession. If you are going for a 'white collar job', then no problem, that is most likely to come under automatic coverage. However, in the case of any out of the ordinary professions, there may be extra surcharges that you might be required to pay. The surcharge will depend on the extent and intensity of the work that is a part of your job.
There are a couple of things, which you will need to consider at the time of taking out a work abroad insurance plan. You should ensure that you are protected against any injury that may occur at your workplace.
Protection against cancellations of any kind is also an important benefit that should be taken into account while selecting an insurance coverage. You should be reimbursed for any cancellations due to the death, sickness or injuries to you or to a close relative. Similarly, cancellations or delays to your flight caused by bad weather conditions should also be covered.
Another coverage benefit is against cancellations against any deposits that you may have paid in advance for future accommodation. Some coverage plans even include any theft or fire damage to your rented property too.
Medical expenses and protection in case of any injury or accident are a big part of such work abroad insurance plans. Medical services can run quite a hefty bill in some countries and this coverage guarantees that you will be provided adequate medical care wherever you are, instead of you being forced to return to your home country.
It's important to remember that, in case you have a pre-existing medical problem, you have to make sure that you declare it to your insurance company at the time of taking the insurance policy. Failure to do so will result in your cover becoming void in case of any medical emergency that may have been triggered due to your pre-existing medical problem.
There are various plans available and it's a good idea to take some time to pick one that most fits your needs. There's no excuse for not doing so as details of almost all kinds of insurance plans are easily available online. Websites let you can compare between different levels of insurance covers and some will even give you an accurate calculation of the premium that you'll be required to pay. To read more on work abroad insurance plans visit http://www.duinsure.com/travel_insurance/working_abroad_insurance