Do I need health insurance if where I live has free, public healthcare?

Even if you live in a country with free, public healthcare like the UK, New Zealand, or Italy, having health insurance can still be important. Here’s why:

1. Access to healthcare for non-citizens: Public healthcare systems in these countries are primarily funded by national insurance contributions from taxpayers. While they provide services to citizens, they may have limitations or restrictions for individuals who are not citizens of the country. In such cases, having international health insurance makes sure that you have access to medical services and treatment when needed.
2. Additional benefits: International health insurance gives additional advantages beyond basic healthcare coverage. For example, it can provide access to doctors who speak your language, making communication easier and more comfortable during medical appointments. Health insurance may include services such as medical evacuation or repatriation if urgent treatment is not available where you reside. These benefits can be crucial in ensuring your well-being and peace of mind, especially when living away from your home country.

Health insurance protects you against unexpected medical expenses and ensures that you receive timely and appropriate medical care. It offers a safety net and comprehensive support beyond what may be available through the public healthcare system.