Guide

Oman – Health Insurance

Health insurance in Oman is on a clear path toward becoming compulsory for all private sector workers and foreign residents through the government’s Dhamani scheme, which took effect in January 2023 and is currently being introduced in stages. The majority

Netherlands – Health Insurance

For virtually everyone living in the Netherlands — expats included — health insurance is a legal requirement. The Dutch system operates as a distinctive hybrid: residents select a government-regulated basic policy, known as the basisverzekering, from a private insurer of

New Zealand – Health Insurance

New Zealand operates a publicly funded healthcare system that is either free or subsidised for those who qualify, but eligibility hinges on your visa category and residency status — it is not an automatic entitlement for everyone. Expats who hold

Morocco – Health Insurance

Morocco’s healthcare landscape is structured around two parallel systems: a state-run social insurance framework and a private sector. Through the Assurance Maladie Obligatoire (AMO) programme, health insurance is compulsory for all formally employed workers, whether Moroccan or foreign. That said,

Mexico – Health Insurance

While health insurance is not a legal requirement for expats living in Mexico, going without it carries real risk. Mexico’s healthcare system is built largely around a social insurance framework — centred on the IMSS — which employed expats with

Monaco – Health Insurance

All residents and workers in Monaco — expats included — are legally required to hold health insurance. The Principality runs a contributory social insurance framework known as the Caisses Sociales de Monaco (CSM), which employed expatriates join automatically upon starting

Luxembourg – Health Insurance

Health insurance is compulsory for anyone who lives or works in Luxembourg, expats included. The Grand Duchy operates through a statutory social insurance framework administered by the Caisse Nationale de Santé (CNS), which provides coverage to the overwhelming majority of

Malaysia – Health Insurance

Health insurance requirements in Malaysia differ depending on your visa category and employment status — there is no single rule that applies to all expatriates. Foreign employees must be enrolled in the government-mandated Foreign Workers Hospitalisation and Surgical Scheme (SKHPPA/FWHS),

Malta – Health Insurance

Health insurance in Malta occupies a unique position where an established public healthcare system intersects with firm legal requirements for many categories of expat. The island operates a national health service funded largely through taxation and social security contributions, delivering

Kuwait – Health Insurance

All expatriates living in Kuwait are legally required to hold health insurance — this obligation has been tied to residency permits for many years, and the framework was considerably strengthened from December 2025. The state coordinates a government-backed insurance arrangement